Consumer complaint received 2023-12-29
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
ON XXXX XXXX  I SIGNED OFF ON NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS WITH XXXX XXXX XXXXXXXX AND XXXXXXXX XXXX XXXX XXXX  THEY HAVE MULTIPLE NAMES. U.S. BANK WRONGFULLY FORECLOSED ON THIS PROPERTY FRAUDULENTLY AND FORGED DOCUMENTS WITH MY SIGNATURE DATE OF THE DOCUMENTS SHOW XX/XX/XXXX. I HAVE THE ORIGINAL DOCUMENTS AS WELL. MY SIGNATURE WAS TAKEN THROUGH AN ANALYSIS AND IT SHOW U.S. BANK CREATED A PDF SIGNATURE TO PLACE ON MORTGAGE DOCUMENTS. I HAVE NEVER AS LONG AS I HAVE BEEN SIGNING DOCUMENTS INCLUDE MY MIDDLE INITIAL. ON THE ORIGINAL DOCUMENTS MY MIDDLE INITIAL IS NOT PRESENT. ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX AND LXXXX LISTED THIS HOME AS A LOST MORTGAGE. THEREFORE U.S. BANK HAS NEVER HAD THE DOCUMENTS I HAVE IN POSSESSION BECAUSE THIS LOAN WAS PART OF THE {$200.00} XXXX DOLLAR LAW SUIT U.S. BANK WAS MADE TO PAY CONSUMERS FOR FRAUDING FHA/HUD. MY LOAN WAS DEFINITELY PART OF THIS SCHEMEXXXX I HAVE GIVEN AMPLE AMOUNT CHANCES TO U.S BANK TO MAKE THIS RIGHT AT THIS POINT AND THIS WILL BE THE LAST AND FINAL TIME. U. XXXX BANK HAS RESPONDED WITH THE SAME INFORMATION STATING THEY HAVE NEVER RECEIVED A PAYMENT FROM BANKRUPTCY. THROUGH MY XXXX  XXXX. U.S. BANK STATES XXXX THEY HAVE NEVER RECEIVED A PAYMENT AND APPLIED ALL FUNDS FROM THE SAVE THE DREAM PROGRAM TO THOSE STATED YEARS. U.S. BANKS BANKRUPTCY DEPARTMENT ACKNOWLEDGED THE BANKRUPTCY AND SENT A LETTER STATING SUCH THIS LETTER IS ALSO IN MY POSSESSION.WHEN SAVE THE DREAM REACH OUT TO U.S BANK WHICH EVER ENTITY THESE DOCUMENTS WENT TO THEY ADVISED THE PROGRAM OF A FALSIFIED DELIQUENT AMOUNT AND AN UNPAID PRINCIPAL OF {$80000.00}. U. S. BANK THEN WAITED 8 MONTHS TO COMPLETE THE MODIFICATION AFTER RECEIVING THE FUNDS XX/XX/XXXXXXXX  REASON BEING THEY DID NOT HAVE THE ORIGINAL LOAN DOCUMENTS FROM XXXX XXXX XXXX AND XXXX  SIGNED BY MYSELF XX/XX/XXXX. XXXX XXXX XXXX AND XXXX AND U. S. BANK WAS COMMITTING FRAUD AND PUTTING CONSUMERS IN UPSIDE DOWN LOANS. ON MY ORIGINAL DOCUEMENTATION IT STATES FINANCE AMOUNT OF XXXX AND I WOULD HAVE PAID A TOTAL OF XXXX SHOWING FINANCE CHARGE OF {$92000.00}. BOTH XXXX XXXX  XXXX AND U.S. BANK NEW I WOULD HAVE NEVER GONE FOR THIS. XXXX XXXX XXXXXXXX AND XXXX WAS ALREADY IN TROUBLE AND BARRED FROM ALL GOVERNMENT ENTITIES AND STILL IS BARRED AND NO LONGER IN EXISTENCE. XXXX XXXX XXXXXXXX AND XXXX IS NOT A SUBSIDIARY OF U. S. BANK THEREFORE A PROMISSORY NOTE WAS NEVER SIGNED BY MYSELF WITH U.S. BANK SO THEY FALSIFIED DOCUMENTS TO HURRY UP AND TAKE OUR HOME AND LEAVE US HOMELESS WITH THE LOAN MODIFICATION THAT I WAS FORCED TO SIGN IN XXXX  THEN. U.S BANK NEVER FILED FORECLOSUE ON ORIGINAL LOAN DOCUMENTS BECAUSE I WILL REITERATE IT IS LISTED WITH THE COURTS AS A LOST MORTGAGE, I HAVE EVERY DOCUMENT FROM XXXX FOR THIS HOME WITH MY ORIGINAL SIGNATURE ON THEM. GOING BACK TO THE SAVE THE DREAM PROGRAM. IF YOU STATED UNPAID PRINCIPAL WAS {$80000.00} HOW IS IT REMOTELY POSSIBLE FOR A MODIFICATION TO BE DONE AND IT SHOW THAT UNPAID PRINCIPAL IS NOW {$84000.00}. WHATS MORE MY ORIGINAL AMOUNT OF INTEREST ON THE ORIGINAL LOAN SHOW 6.157 % THEN IT SHOW 5.5 % NOW IT SHOW 3.62 %. CONTACTED FHA AND THEY ADVISED ME TO PULL FOIA AND NO DOCUMENTS ARE FOUND FOR THIS SUPPOSE TO BE FHA/HUD HOME.THE FHA XXXXOCUMENTS THAT HAS BEEN SENT TO MY EMAIL ARE FALSIFIED THROUGH U.S. BANK FROM A REPRESENTATIVE AT U. S. BANK SENT THE DOCUMENTS TO ME. THE DOCUMENT DID NOT COME FROM FHA. I HAVE NOW INVOLVED THE FDIC, OCC, AND ARE NOW IN CONTACT WITH THE ATTORNEY 'S THAT HANDLED THE {$2.00} XXXX LAWSUIT. U.S. BANK REFUSE TO MAKE THIS RIGHT I HAVE UPLOADED DOCUMENTS THAT PROVE THEY HAVE WRONGED ME BUT THEY REFUSE TO REVIEW THESE DOCUMENTS AND INSIST THAT I KEEP SENDING THE SAME INFORMATION THAT HAS BEEN SENT TO THEM OVER AND OVER AGAIN. I HAVE SENT PROOF OF PAYMENT THROUGH BANKRUPTCY AND THEY REFUSE TO RECOGNIZE THE PAYMENTS TO STEAL A HOME THAT NEVER BELONGED TO THEM. I SHOULD NOT HAVE NOT PAID THIS BANK NOTHING NOR WENT THROUGH THE BANKRUPTCY TO SAVE THE HOME BECAUSE THEY NEVER HAD RIGHTS TO THIS HOME AT ALL THAT'S WHY THEY FILED FORECLOSURE WITH MODIFICATION DOCUMENTS QUICKLY BECAUSE THE JUDGE HAS ALLOWED U.S BANK TO SCAM AND TAKE THE HOME WITH LAWYERS THAT RESIDE IN FLORIDA. THE XXXX XXXX IS IN THE PROCESS OF RECEIVING COMPLAINTS ON ALL ATTORNEYS THAT WAS PART OF THIS DISCRIMINATIVE/WRONGFUL FORECLOSURE INCLUDING MY ATTORNEY. U.S. BANK STATED I OWED OVER {$130000.00} ON THIS HOME PER THE SHERIFF 'S DEPARTMENT AND THEY BOUGHT THE HOME FOR {$100.00} YOU HAVE TO HAVE A HORRIBLE SOUL TO TAKE A SINGLE XXXX MOTHER THROUGH THIS TYPE OF TRIUMPH. I WILL NOT STOP. IVE SENT THIS STORY TO THE NEWS AS WELL. I HAVE GONE BACK ON THE AMOUNT OF MONEY I HAVE SPENT ON ATTORNEYS AND PAYING A BANK THAT NEVER HAD RIGHTS TO A HOME THAT THE COURTS ALLOWED THEM TO SCAM AND TAKE XXXX XXXX XXXX WILL HAVE A COMPLAINT AS WELL WITH THE SUPREME COURT. NO ATTORNEY 'S OR COURTS SHOULD HAVE BEEN PART OF THIS. THIS BANK HAS COMMITTED FRAUD BEYOND THE POINT OF NO RETURN HOWEVER WEHAVE 6 WAYS TO SUNDAY AS XXXX XXXX SAY. I'M ONE THAT KEEP TAXES BACK TO XXXX. AND HAVE PROOF OF THE FORGERY PROOF OF THE UPSIDE DOWN MORTGAGE AND WHEN PRESIDENT OBAMA PUT THIS PLACE IT WAS SET IN STONE AND NOT TO BE IGNORED, I WAS ONE THAT WAS NAIVE AND WANTED SAVE MY HOME.THE BEST PART OF THIS ENTIRE ORDEAL WAS U. S BANKS ATTORNEY STATED IN THE BANKRUPTCY DOCUMENTS WHICH WE HAVE THAT I WAS 13 PAYMENTS BEHIND ON THE MORTGAGE FROM XXXXXXXX  MY FIRST PAYMENT WAS DUE XX/XX/XXXXXXXX  HOW IS THAT EVER POSSIBLE U.S BANK HAS PROVED INCOMPETENCE IN MANY AREAS AND UNFORTUNATELY, I WILL NOT STOP. SHERIFFS STATES EVICITON STARTS ON OR AFTER XX/XX/XXXXXXXX  THAT IS FINE BUT THIS WILL NOT GO AWAY UNTIL THIS BANK ADMITS TO WRONGFULLNESS ON A LAW-ABIDING CITIZEN. U. S. BANK NEED TO PRODUCE THE ORIGNAL LOAN I SIGNED DATED XX/XX/XXXXXXXX  NOTHING WAS EVER SIGNED BY ME ON XX/XX/XXXX. THAT BEING SAID THE 3 BOXES OF DOCUMENTS IN MY POSSESSION DOESN'T LIE AND THIS BANK HAS NO RIGHT TO EVER SAY THEY NEVER RECEIVED PAYMENT FROM BANKRUPTCY THESE ARE GOVERNMENT FILES WHICH I AM ALSO XXXX XXXX XXXX XXXX, AND THEY SPEAK VOLUME. U.S. BANK FILED A FORECLOSURE ON THIS PROPERTY AND STATED THEY HAVE NEVER RECEIVED A PAYMENT BUT FROM THE XXXX THE DREAM PROGRAM. MY RECEIPTS DON'T LIE. THIS BANK IS PREDJUDICE TOWARDS XXXX AND THEY HAVE PROVED THAT WITH WHAT THEY HAVE DONE. NOT TO MENTION THIS SAME HOME WERE IN WAS BOUGHT OUT OF FORECLOSURE FOR {$22000.00} SOMETHING IS WRONG AND THAT CONSUMER WAS UNDER U.S. BANK AS WELL AND HAS A LOT TO DEVULDGE. I ADVISE U. S BANK PAY ATTENTION TO THIS COMPLAINT AND NOT SEND THE SAME DOCUMENTS THEY SENT FROM THE FIRST COMPLAINT BECAUSE THAT IS DECEITFUL AND A VIOLATION OF MY FIFTH AMENDMENT RIGHT. I MUST ADD I AS WELL AM RECEIVING A STATING EVERY MONTH AND THE MATH IS NOT MATHING. SOMEONE FROM THIS BANK SENT ME A DOCUMENT THAT MULTIPLE ERRORS WERE MADE ON MY ACCOUNT AND THEY WERE IN THE PROCESS OF CORRECTING THEM AS WELL. BACK ON A STATEMENT I RECEIVED XX/XX/XXXXXXXX  IT SHOW UNPAID AMOUNT {$25000.00} CONTRACTUAL AMOUNT SHOW {$25000.00} BUT NOT ONE OF THESE STATEMENTS SHOW THE MODIFICATION EVERY LAST STATEMENT SHOW OUTSTANDING PRINCIPAL XXXX THE AMOUNT U.S. BANK CLAIM I FINANCED THE HOME FOR. WHAT'S MORE I NO WITHOUT A DOUBT U.S. BANK NEVER OWNED THIS LOAN BECAUSE IT DOES NOT APPEAR ON MY CREDIT REPORT AND THE FORECLOSURE BETTER NOT EVER SHOW UP OR ANOTHER LAWSUIT WILL BE FILED AND EVERYONE, I'M WORKING WITH WILL SEE TO IT. THIS IS MY LIFE THAT THIS BANK IS MESSING WITH AND XXXX XXXX AND BEEN IN AND OUT THE HOSPITAL BECAUSE OF THIS BANK FOR THE FOULNESS THEY HAVE COMMITTED I NOW HAVE TO HAVE XXXX IN XXXX BECAUSE OF THE STRESS THAT THIS BANK HAS TAKEN MY FAMILY THROUGH PAIN AND SUFFERING IS AT THE POINT OF NO RETURN THE NOTICES PUT ON MY DOOR HAS CAUSED MANY AILMENTS I'VE NEVER HAD IN MY LIFE.LACK OF SLEEP SITTING UP WORRIED ABOUT MY GIRLS I RAISED ON MY ON SINGLE PARENT THAT IS XXXX SINGLE AND XXXX  TAKING FROM SOMEONE THAT HAS NOTHING GOING TO PANTRIES TO FEED MY FAMILY BECAUSE OF THE MONEY I'VE HAD TO PAY TO KEEP A ROOF OVER OUR HEAD HOLES IN MY SHOES BECAUSE MY GIRLS COME FIRST A XXXX TREE WITHOUT GIFTS HOPING WE HAVE A ROOF BECAUSE ATTORNEYS COST WHOLE PAY CHECK GOING TO BANKRUPTCY AND THIS BANK HAS THE NERVE TO SAY THEY NEVER RECEIVED NOT ONE PAYMENT. SENDING THIS COMPLAINT TO THE NEWS AS WELL. 

CPFB YOUR NEEDED FOR THIS COMPLAINT AND NOT TO JUST SEND TO THIS CROOKED BANK. WHEN THEY WERE FRAUDING FROM XXXXXXXX  OR MOR AND THIS LOAN IN DEFINITELY PART OF THE {$200.00} XXXX CASE OFFICE OF PUBLIC AFFAIRS DOESN'T LIE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation