US BANK US BANK CORP DECEPTIVE LOAN ACCELERATION ST LOUIS, Missouri

I will try to make this short ,but something that can be easily understood.We have lived in our home now for almost 6 years.I was in the finance bis. for almost 10. 

During the fourth year in our home the market went south and I had requested a modification from the lender,which was completed many months later.

After making 3 payments under the new terms of the loan it was (sold)purchased by US Bank.

Several months later I recieved a notice that the payment would be going up 100 dollars a month due to a escrow shortage. I was a little confused because my taxes and insurance had not gone up. So I called and asked the servicer US Bank about the issue and was told that the escrows were short when the loan transferred and that it was my problem not theres?

 I let that slide and told them that it made absolutley no since that I would go threw a loan modification just to have my payment go up an extra $100.00 a month?It has since gone up again? I have continued to  make the new payments however I have been late more so than current but never 90 days late. I always talk with the servicer when they call and have been very honest regarding our financial situation.

Currently my wife has had a garnishment order to remove $500.00 every two weeks from her paycheck and that along with the normal cost of living has put us behind on many things but we continue to pay when we can.

I went to  make the December payment on the 27th of January over the phone and was told they cant take partial payments.It was Decembers full installment. The other option was to have my wife call in since she is the primary on the note to discuss payment arrangements and to fill out a loan modification

form. Once the paperwork was filled out they would review it and let us know if they would take the Decembers payment over the next 30 days to see if we qualify. 

We have a loan modification allready and if I promised to pay on a certain day I wouldnt even know if the money would be there based on the fact she is salaried and I am commisioned. It appears to me that they are accelerating the loan to foreclose. Why wouldnt the lender take decembers payment and allow me to pay the January payment in the next couple of weeks????

I was told they are trying to help us? How by refusing to take my money for a past due payment.

Yes I know about the acceleration clause in the mortgage ,but never ever thought that a lender would exercise the right when someone is actually trying to make payments and having been only 58 days past due!!!!

This is what I think. The loan is based at a really low rate for the next 30 years. We can be current at times and late on others. Its not making them money its driving them nuts so they figure it would be better to take it back sell it at a loss and hope they get to finance the next sucker home buyer that comes back around!

I had it happen on a car loan 5 year note with 1 year remaining initial loan 28k owed less than 9k was 54 days past due never been late before . They came and took it!!!Called them to pay the past due and they wanted new income documentation.Sent that to them and they said no I couldnt have it back because I didnt qualify now.That was a credit union!Who can help me with this disgusting bank.

I fear this is going to be the next big thing banks will start doing!!!