I fell behind on mortgage. I called US Bank to work out, they told me to send XXXX and I would pay a little additional each payment. Sent that amount, they returned payment to me claiming they received it late and it was not certified. I called them, they told me me I could do again but needed to pay more {$4100.00} certified, told them I would send when I got paid on XXXX XXXX, overnighted to them. It was a weekend so they received on the XXXX. Was told - sorry you needed to have it here by the XXXX - we sent to foreclosure. Now they say in order to reinstate need {$9600.00} only. 
