Consumer complaint received 2016-05-20
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to lodge a formal complaint against my servicer, U.S. Bank & their attorneys, XXXX XXXX XXXX, XXXX. 
I received the attached Fair Debt Initial Communications Letter from XXXX XXXX XXXX, XXXX on XXXX XXXX, 2016. It clearly states that I have 30 days from receipt of their notice to dispute the validity of the debt or any portion thereof. It further states that if they do not receive a dispute from me, they will assume the debt is valid. I wholeheartedly dispute their debt allegations & have submitted a validation/verification letter to their attorney, XXXX & XXXX for further explanation. Please note I did not receive a Notice of Default unless that is what htis First Communications letter is purports to be. 
Then, on XXXX XXXX, 2016, one ( 1 ) day later, I receive a Notice of Sale scheduled for XXXX, 2016. Clearly, they assumed the debt was legitimate within a day as they elected to send a Notice of Sale prior to the 30 days passing. They never gave me the opportunity to respond. 
Additionally, over the last two months, I have submitted my Loan Mod Package for consideration 4 times & my mortgage assistant representative keeps telling me via email that they have not received it which I do not believe as I have mailed, faxed & emailed it. And, even though I am eligible for a mod, they keep refusing to give me one. They have added a ridiculous amount of fees to my account over the years without explanation. And now, after all this time, I see that my mortgage amount has decreased. I am not certain why they increased it so much in the first place. Also, there are many accounting errors in my file that they refuse to address. I assume someone made them finally take a look at it. 
I am totally perplexed as to how U.S. Bank & their representatives continue to deny modifications, claim to have lost paperwork & request it over & over again ; conduct all kinds of questionable as well as illegal practices ( i.e. foreclosing on homes that are not the party in interest ; using fraudulent mortgage assignments ; XXXX loans that never were timely placed in a trust ; refusing to disclose the trust name to a homeowner at several written requests ; refusing to respond to question on QWR ; TIL violations, etc. ) & get away with a slap on the hand. I have plenty of documentation to back up every allegation I have asserted & more. 
I respectfully ask that someone of authority have a real look into these matters & that U.S. Bank & their representatives follow the rules & laws implemented. After all, since they are attempting to conduct a non-judicial FC based on a Power of Attorney signed without me having representation, the fact that they are not the party in interest as required in Georgia to conduct a non-judicial FC ; the Mortgage Assignment clearly is fraudulent ; XXXX XXXX XXXX issues, etc., they should be duty-bound to proceed within the rules & not be allowed to continuing stealing homes that have no legal right to. 
Their repeated actions seem to have no viable consequences for them.

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