After our bankruptcy was discharged money that was in a suspense account through US Bank was applied directly to principal instead of being applied to principal and interest. This has caused me to be 3 months behind on my mortgage per there accounting. We have contacted them on several occasions to no avail. We are receiving threatening collection calls and we can not seem to get a supervisor or manager on the phone. We have spent more than XXXX hours in a Branch Managers office with him recognizing there is an error and trying to assist us via phone to again no avail. They say they will look into it but no one seems to know what is going on and we continue to receive collection calls. We make a payment early on the XXXX of the month before it is due and XXXX on the due date. US Bank is now telling us that our loan is not a mortgage loan but a simple interest loan and they are incurring additional interest on the loan. The loan document say it is a mortgage loan and no one with US Bank can instruct us where in our loan documents that they can change it from a mortgage loan to a simple interest loan. 
