Consumer complaint received 2022-08-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. 
The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. 
Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX XXXX XXXX XXXX, MN XXXX cc : U.S. Department of Justice 950 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by XXXX Bank XXXX XXXX all US Bank XXXX XXXX to XXXX XXXX, is an account number that is also unknown to XXXX XXXX. This account number was referenced for correspondence sent to XXXX XXXX XXXX XX/XX/XXXX asxa Notice f rom US Bank National stating there was a Notice, Transfer, Sale, Assignment of Mortgage for this account number on XX/XX/XXXX by US Bank National . 

Assignment of Mortgage The Basics When your original lender transfers your mortgage account and their interests in it to a new lender, thats called an assignment of mortgage. To do this, your lender must use an assignment of mortgage document. This document ensures the loan is legally transferred to the new owner. Its common for mortgage lenders to sell the mortgages to other lenders. Most lenders assign the mortgages they originate to other lenders or mortgage buyers. 

Who is the original lender for account number When was this account sold to US Bank National? 
Who sold the account on XX/XX/XXXX. 
Who was the purchaser of this account on XX/XX/XXXX ( see attached Notice of Assignment of Mortgage ). 

XXXX XXXX looks forward to your response within 20 days from the date of this letter. 

UNLESS the specific documentation requested is provided to XXXX XXXX, any and all further written correspondence sent by USPS, by an attorney, or by any other party/entity regarding XXXX AND this account number and/or mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 

Very truly yours, XXXX XXXX XXXX

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