Mortgage -- Closing on a mortgage -- Complaint #16256929
Complaint Overview
Complaint ID: 16256929
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-Issue: Changes in loan terms during or after closing
State: Minnesota
ZIP Code: XXXXX
Date Received: 2025-09-29T12:00:00-05:00
Date Sent to Company: 2025-09-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
b"Subject: Complaint Against U.S. Bank National Association Request for Case Number and Receipt Confirmation\n\nTo: Consumer Financial Protection Bureau (CFPB)\nFrom: XXXX XXXX XXXXDear Consumer Financial Protection Bureau (CFPB),\nI am contacting your office to report suspected violations by U.S. Bank National Association (U.S. Bank) and its agents, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in handling my mortgage (Accounts #XXXX XXXX XXXX Property: XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. These include failures to validate debt under the Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA), and potential fraud, racketeering (RICO), and improper foreclosure practices. Your agencys authority over consumer financial protection is critical. I seek investigation and enforcement to halt unlawful actions. Please assign a case number upon receipt, confirm receipt of this submission, and inform me of any further requirements.\n\nBackground and Timeline Summary:\n\XXXX XXXX XXXX Signed mortgage with XXXX XXXX XXXX XXXX No full disclosure or equal consideration evidenced. Certified mail to Fairway: #XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Certified mail to U.S. Bank CEO XXXX XXXX XXXXMN): #XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Conditional Acceptance, Offer to Perform, and Affidavit for Debt Validation. Requested XXXX ledgers, balance sheets, securitization, and standing proof. Received inadequate copies.\nXXXX XXXX XXXX Certified mail to U.S. Bank (MN): #XXXX XXXX XXXX XXXX XXXX XXXX - Second Request Notice. Reiterated demands; insufficient responses.\XXXX XXXX Filed/served Verified Complaint in XXXX XXXX. Court (#XXXX) and to U.S. Bank via sheriff.\XXXX XXXX XXXX U.S. District Court (#XXXX) dismissed with prejudiceXXXX XXXX XXXX Filed IRS 1099-A/B forms; hand-delivered/faxed Revocation of Power of Attorney to XXXX XXXX XXXX and U.S. Bank's XXXX (witness: XXXX XXXX).\XXXX XXXX XXXX Protested XXXX XXXX auction; proceeded despite invalid debt claims.\nXXXX XXXX XXXX: Filed police report (#XXXX) with Dep. XXXX XXXX for theft; reported to FBI (Agent XXXX XXXX) for theftXXXX XXXX.XXXX XXXX XXXX Certified mail to U.S. Bank CFO/Trust Dept. (MN): #XXXX XXXX XXXX XXXX XXXX XXXX - Request for mortgage info; inadequate response.\XXXX XXXX XXXX Certified mail to U.S. Bank Head of Legal XXXX XXXX XXXX (OH): #XXXX XXXX XXXX XXXX XXXX XXXX - Notice of Settlement and Lien Release Demand. Received copies only.\nXXXX XXXX XXXX: Delivered docs to County Recorder/Sheriff (witness: XXXX XXXX); recorder refused; sheriff followed statutes over law. Mailed Cease & Desist/RICO Notice to XXXXXXXX XXXX XXXX: XXXX sent Notice of Foreclosure and Cash for Keys offer.\XXXX XXXX XXXX: Filed XXXX XXXX XXXX to stay XXXX XXXX eviction hearing (#XXXX). Motions for extension sent to court/trustees.\n\nDespite requests since XXXX U.S. Bank has not provided verifiable debt validation (e.g., original wet-ink note, full accounting, standing). This led to improper auction, eviction threats, and credit/emotional harm. I filed IRS forms as abandoned/sold and revoked POAs. Included is my latest Debt Validation Letter (XXXX XXXX XXXX), invoking TILA, demanding proof and cessation, with case numbers on the cover sheet.\n\nRelated Complaint Numbers:\n\nFTC: XXXXUS Securities and Exchange Commission: XXXXOCC: Will submit when created (within 2 days)\nOhio AG: XXXXOhio Consumer Affairs: Awaiting created case number (emailed)\nMN AG: XXXXMN Department of Commerce: XXXX XXXXn\nDesired Resolution:\n\nImmediate halt to all collection, foreclosure, and eviction activities on my property.\nRequire U.S. Bank to provide TILA-compliant validation (original note, XXXX accounting, standing proof).\nOrder correction of my credit reports with all major bureaus (XXXX XXXX XXXX by deleting negative entries related to this account within 30 days, with confirmation.\nCompensation for damages, including $XXXX per FDCPA violation, actual damages under FCRA/RESPA/TILA (e.g., legal fees, emotional distress, lost time), and punitive damages for willful non-compliance, totaling at least $50,000.\nImpose penalties on U.S. Bank for violations, and refer any criminal findings (e.g., fraud, RICO) to appropriate authorities like the FBI or U.S. Attorney.\nA mediated settlement agreement releasing any liens on my property and confirming no further obligations.\n\nPlease investigate these violations, assign a case number, confirm receipt, and inform me of any further requirements. I reserve all rights and am available for evidence review.\nSincerely,\n /s/ XXXX XXXX XXXXn By: XXXX XXXX XXXX agent\n For: XXXX XXXX XXXX XXXX\n All Rights Reserved, Without Prejudice."
Frequently Asked Questions
What is Complaint #16256929 about?
Complaint #16256929 was filed against U.S. Bancorp regarding Mortgage specifically about Closing on a mortgage. It was received by the CFPB on 2025-09-29T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.