Consumer complaint received 2016-04-01
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank is allowing a borrowers home to go sale due to their negligence and mis-information. 
Here is the time line of events : XXXX/XXXX/XXXX file submitted to US Bank via fax to XXXX by assigned advocate XXXX XXXX XXXX I { XXXX XXXX } advised the assigned avocate to have the borrower sign the XXXX and complete the US Bank XXXX XXXX and XXXX form XXXX/XXXX/XXXX the member contacted XXXX and stated that US Bank also requested the signed XXXX form and a few other documents XXXX/XXXX/XXXX as the servicer manager that handles the Non contracted services I called US Bank to confirm exactly what the status of the file is ... ... .. 
I called US Bank at XXXX and I spoke with XXXX in the MAP department and she advised me that the following documents are still needed no later than XXXX/XXXX/XXXX or the sale date may not be postponed. 1 ) Last 30 days of copies of paystubs ... ... ... ... .need clear and legible copies 2 ) Need the XXXX version on the XXXX ( please complete sections XXXX and line XXXX must include your servicer 's address & phone then on line XXXX put XXXX and check box XXXX then on line XXXX put XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX and sign & date, include your phone number and also check the box right above your signature 3 ) Need the monthly expense sheet completed ( see attached form ) Please fax these needed documents to XXXX or email them to : XXXXXXXXXXXX and INCLUDE THE LOAN NUMBER ON EACH & EVERY PAGE. 
XXXX Borrower faxed the signed XXXX, paystubs, XXXX and the monthly expense sheet to XXXX and recived a fax onfirmation for XXXX pages XXXX/XXXX/XXXX Borrower realized that she did not sign the XXXX and faxed that in with a signature to XXXX received a fax confirmation for XXXX pages XXXX member called and wanted us to confirm with US Bank if they received her documents ... ... ... I called US Bank at XXXX and I spoke with XXXX in the MAP department and he advised me that the borrower sent in documents on XXXX/XXXX/XXXX but that they were still incomplete and the request to PP sale will not be made at this time. I advised the advocate wo that she can reach out to member and advise her that she must work on PLAN B to get the sale stopped at this time. 
XXXX XXXX I called US Bank XXXX XXXX to speak with the MAP rep XXXX and I was directed to her voice mail where I left a detailed message asking her why did she request the sale to be PP when all documents were faxed in by XXXX/XXXX/XXXX as they requested. I am calling right back to see if I can speak with someone else and let them know that we will be filing a complaint with the CFPB if they do not request the sale date to be postponed. 
XXXX I spoke with member and she is very upset with US Bank because she did provide all of the needed documents that they requested by XXXX/XXXX/XXXX and she left several messages with her MAP rep with no return call ... ... ... ... I advised the member to please send me the documents that she sent to US Bank on Friday and I will fight with US Bank to get the sale stopped because she had until XXXX/XXXX/XXXX to provide the needed documents ... ... ... ... .I also advised the member to call her rep and threaten to file a complaint with the CFPB because this is not RIGHT!! 
XXXX I called US Bank at XXXX to speak with the MAP rep XXXX and I was directed to her voice mail where I left a detailed message asking her why did she request the sale to be XXXX when all documents were faxed in by XXXX/XXXX/XXXX as they requested. I am calling right back to see if I can speak with someone else and let them know that we will be filing a complaint with the CFPB if they do not request the sale date to be postponed. 
XXXX I called US Bank again at XXXX and I spoke with XXXX in the MAP department and she looked at the file and she checked the loan notes with the manager which also stated that package was incomplete and that the borrower forget to sign t

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 non-monetary relief