I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. 
!. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome. 
