US Bank Balloon payment refinance issues Eagan Minnesota

I own a piece of property in washington state, I have had it for almost 9 years. I have never missed a payment on anything. This loan has been on a balloon "system" the entire length of the loan. It comes to maturity every 3 years.  I have extended the loan 2 other times with no problem. It was so easy I never thought twice about it. I started receiving the letters telling me that my balloon payment was coming up and was due in October ( never stated the date ). One letter states do not call prior to 60 days before maturity, so I waited until September 1st and called and was told US Bank does not grant extensions on these types of loans anymore and I would have to refinance.

Well, they sent me to loss mitigation and I have been sending in page after page after page of paperwork. The file never seems to be complete because they continue to ask for more documentation. It cost me $365 to get an M1 form from my tax person because ours only had the M2 section filled out and that was not good enough for them. I have been threatened with forclosure and was told loss mitigation was my only option. I continued to make payments for Oct and Nov but Nov was sent back to me stating I did not have the full amount and they reported to the credit agencies that I am 60 days late on my payments. My credit score has dropped by 105 points so far.    I try to call Deborah Smith 1-855-698-7627 ext 4183122 and she usually calls me back after 48-72 hours later.

Come to find out we never should have been sent to loss mitigation because I have not missed any payments but was told that is the only option for me. Why did they send me paperwork stating do not call prior to 60 days if they knew a refinance was going to take longer than that!!!! I have called every number I can think of at US Bank and get no where. I was told I misinterperted the letter and should have called alot sooner to refinance. No one will help, my credit is in the toilet.    The kicker today was the letter I got stating I had a facially complete packet but they need 4 more items. I am at the end of my rope. I get shuffled around or no phone calls at all. I spoke to someone on friday and he said he would call me on monday and tell me what happened to my October payment they kept. I can not be the only one this is happening to.