Consumer complaint received 2022-08-12
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This 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 ) XXXX 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 ( XXXX ). 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 Department XXXX XXXX XXXX XXXX, KY XXXX cc : XXXX Department of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by US Bank XXXX on US Bank correspondence sent to XXXX XXXX, is an account number that is unknown to XXXX XXXX ( see attached US Bank Correspondence ) pages 3 & 6. 
The account number referenced above by US Bank correspondence sent to XXXX XXXX was also presented to XXXX XXXX and another third party on XX/XX/XXXX and XX/XX/XXXX ( see attached US Bank Correspondence pages 3 & 6 ).

The account number referenced above by US Bank correspondence, was presented to XXXX XXXX, another third party, and was recorded in a public record system on XX/XX/XXXX, specifically referencing a second mortgage that is also unknown to XXXX XXXX ( see attached US Bank document provided to both parties and date stamped as being recorded into a public record recording system on XX/XX/XXXX at XXXX ) pages 3,4 & 5. 

XXXX XXXX has no knowledge of this account number : no original mortgage documents in her possession ( as US Bank stated in their XX/XX/XXXX that they have in their possession page 6 ) that were authenticated by XXXX XXXX. 
no knowledge of any legal association to, responsibility or accountability for this account number and any mortgage debt or second mortgage debt as specifically referenced on the XX/XX/XXXX US Bank Correspondence page 3 ). 

XXXX XXXX and other third parties have continuously received conflicting material information from US Bank and its agents, associating her to this account number, a mortgage, and a ( second ) mortgage in some type of way/shape/form creating a dispute requiring legal intervention. 

This material correspondence has brought about confusion that requires clarification. 

Therefore, XXXX XXXX is sending you this qualified written request pursuant to 12 U.S.C. 2605 ( e ). She requests ALL original material documentation with her signature purporting to be an execution or attestation of this account number, with a mortgage ( and/or second mortgage ) with US Bank National Association ( see TILA Sample Forms pages 10, 11, 12 ). 

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, USPS sent, and/or verbal communication to Ms XXXX or any other party/entity regarding Ms.Jackson AND this account number/ 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