Consumer complaint received 2017-09-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : 'XXXX , XXXX ( CFPB ) ' ; 'XXXX, XXXX ( CFPB ) ' ; XXXX, XXXX ( CFPB ) ' ; XXXX Cc : Congressman XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 'XXXX, XXXX   XXXX ' ; 'XXXX XXXX XXXX ' ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 'XXXX XXXX ' ; XXXX XXXX XXXX Subject : RE : Union Banks XX/XX/XXXX IRS XXXX Form accounting showing Union BankXXXX monthly Grand Theft and IRS Fraud with payment notices prepared by XXXX XXXX XXXX California State Bar # XXXX XX/XX/XXXX Consumer Financial Protection Bureau complaint numbers : # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX E-mail : XXXX Phone : XXXX Facsimile : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX RE : XX/XX/XXXX response from XXXX XXXX Consumer Financial Protection Bureau complaint numbers : # XXXX : Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX , XXXX XXXX . From the XX/XX/XXXX Consumer Financial Protection Bureau complaint Union Bank has given its exact date of its XXXX XXXX SBA Loan rescission to be XX/XX/XXXX from  two Amortization Schedules created by Union Banks Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX against Union Banks XX/XX/XXXX Payment Notice and Union Banks   XX/XX/XXXX online accounting. 1 ) How is it legal for Union Bank to allow its Attorneys to change Union Banks Loan Accounting Documents with ones created by Union Banks Attorneys, against what Union Bank had reported to the IRS in XX/XX/XXXX to XX/XX/XXXX in IRS XXXX? Please see that Union Bank answers this question! 
Union Bank after its Office of the Presidents Consumer Financial Protection Bureau XX/XX/XXXX letter has admitted that Union Bank has two Sets of Books. Ones created by Union Bank and ones created by Union Banks Attorneys, with Union Bank using its attorneys accounting instead of Union Banks computerized accounting into XX/XX/XXXX! 
2 ) Again, How is this legal in our United States Banking system to allow Union Banks Attorneys to change Loan documents against what Union Bank has reported to the IRS in year end XXXX never changed by Union Bank? Please see Union Banks XX/XX/XXXX letter attached, regarding Union Banks claimed Rescission. 

3 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for Union Banks exact Date of its now claimed rescission and any notice given by Union Bank against Union Banks XX/XX/XXXX Payment Notice and XX/XX/XXXX online accounting? Union Bank  has Stated XX/XX/XXXX : XXXX XXXX : We have previously provided you with the amortization schedule for your loan that was generated after the rescission of the Forbearance Agreement.! Showing Union Banks two sets of books and accounting fraud to the Comptroller of the Currency Administrator of National Banks and the Consumer Financial Protection Bureau Case # XXXX! Please review Union Banks use of restraining orders attached from XX/XX/XXXX into XX/XX/XXXX and Union Bank Amortization Schedule # 2 that Union Bank, now refers to as being accurate in Union Banks XX/XX/XXXX email against Computerized Union Bank accounting. Please see Union Banks XX/XX/XXXX accounting letter attached in Union Banks requests for a restraining order on XX/XX/XXXX. This accounting is against Union Banks Accounting to the SBA on XX/XX/XXXX and Union Bank XX/XX/XXXX Payment Notice attached showing Union Banks two sets of books. 

4 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an explanation from Union Bank as to how Union Bank can charge {$45000.00} twice as seen in Union Banks XX/XX/XXXX Loan Transaction History accounting and then charge {$57000.00} in Attorney Fees for Union Banks now claimed Rescission that was never disclosed ; prior as seen in Union Banks XX/XX/XXXX Payment Notice? 
5 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an itemized accounting of Union Banks Attorney Fees of {$57000.00} charged on FXX/XX/XXXX, on the same day Union Bank ended its loan # XXXX as reported to the IRS in Union Banks XX/XX/XXXX IRS XXXX, that Union Bank has never changed with the IRS? 
6 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an accounting from Union Bank as to why Union Bank has not changed any IRS XXXX back to XX/XX/XXXX with Union Banks XX/XX/XXXX email claiming to have done a rescission back to XX/XX/XXXX in changing Union Banks accounting against what Union Bank has reported to the IRS? 
7 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX as to how Union Bank believes it can breach a XX/XX/XXXX Forbearance and workout agreement as seen in Union Banks IRS XXXX from XX/XX/XXXX to XX/XX/XXXX and then claim a XX/XX/XXXX Rescission attempting to Correct Union Banks Breach of Contract prior and then never change any IRS XXXX back to XX/XX/XXXX per Union Banks claimed Rescission Changes? 
8 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX as to how Union Bank How can claim in its XX/XX/XXXX Loan Transaction History that its Principal Balance on XX/XX/XXXX was {$410000.00} when Union Banks online accounting attached on XX/XX/XXXX and XX/XX/XXXX showed a Principal Balance of {$420000.00} along with Union Banks IRS XXXX attached for XX/XX/XXXX and XX/XX/XXXX? 
9 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an accounting from Union Bank as to how Union Bank can file a XX/XX/XXXX IRS XXXX in XX/XX/XXXX showing Union Banks loan # XXXX as paid in full in XX/XX/XXXX with Union Banks now claimed Rescission Email on XX/XX/XXXX on loan # XXXX and then claim a Union Bank Customer # XXXX is a Union Bank Loan number in Union Banks XX/XX/XXXX letter attached written by Union Banks Attorney XXXX XXXX XXXX? 
10 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX, How is it legal for Union Bank to change a Union Bank Loan Number # XXXX filed with the IRS in XX/XX/XXXX as paid in full in XX/XX/XXXX with a customer # XXXX as seen in Union Banks XX/XX/XXXX claimed Payment Notice and XX/XX/XXXX letter prepared by Union Banks Attorney XXXX XXXX XXXX? 
11 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. From Union Banks XX/XX/XXXX claimed Payment Notice on loan # XXXX, attached and now acknowledged Rescission using Union Banks Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX Rescission accounting they prepared, against actual Union Bank Loan Documents. How could Union Bank take {$57000.00} in Attorney Fees from a SBA Loan before paying down principal and interest? I am requesting an itemized accounting through the Consumer Financial Protection Bureau complaint numbers : # XXXX of Union Banks Attorney Fees charged. 
12 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. With Union Banks now acknowledged Rescission before Union Banks XX/XX/XXXX Payment Notice created by Union Bank attached. How is Union Bank legally allowed to claim 21 payments of Principal and Interest at {$4100.00} per month totaling {$86000.00} on XX/XX/XXXX and then claim this amount of {$97000.00} on XX/XX/XXXX as principal owed and a claimed Past Due Interest amount of {$33000.00} from Union Banks now acknowledged Rescission prior to XX/XX/XXXX? 
13 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. With Union Banks now acknowledged Rescission before Union Banks XX/XX/XXXX Online Loan Accounting created by Union Bank attached. How can Union Bank claim it had  done a rescission prior using its attorneys accounting from two XX/XX/XXXX Amortization Schedules as now claimed by Union Bank on XX/XX/XXXX? 
14 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. How can Union Bank claim it was owed {$130000.00} in Principal and Interest on XX/XX/XXXX as the date of Union Bank Foreclosure of the XXXX XXXX Property and Inventory on its Loan # XXXX per Union Banks XX/XX/XXXX Payment Notice only showing {$86000.00} owed in back Principal and interest and then claim in Union Banks XX/XX/XXXX Letter attached that a Customer # XXXX is a Union Bank Loan Number against Union Banks XX/XX/XXXX IRS XXXX? 
Sincerely XXXX XXXX XXXX IRS Accounting Loan # XXXX CC XXXX XXXX XXXX District Attorney XXXX XXXX/ Assistant District Attorney XXXX XXXX XXXX County of XXXX XXXX XXXX Government Center 4th Floor XXXX XXXX XXXX , Ca XXXX CC XXXX XXXX XXXX XXXX , Congressman XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX 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