Consumer complaint received 2015-05-01
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc. with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank to yield any potential wrong doing on U.S. Bank 's behalf. 

On XX/XX/XXXX XXXX XXXX went on to give me the reason for why my loan modification was being denied by stating that it was the testimony given to them by XXXX that I was not occupying " the '' residence. As a result, per their guidelines, applicants must be occupying the residence at the time of modification for it to be approved. Nevertheless, when I provided U.S. Bank with contradictory evidence that proved otherwise XXXX XXXX stated she would have her manager to review this a give me a call back. When I called back and spoke with XXXX XXXX, I stated to her : " Something is not adding up. There is something about this loan you are not telling me. '' I stated to her : " Fool me once shame on you. But fool me twice shame on me. '' The reason I stated this was because this was the XXXX time U.S. Bank informed me that my home was sold at auction! Afterwards, I informed XXXX XXXX that I was going to go home and take pictures of my residence with my neighbors and prove U.S. Bank and XXXX 's to be frauds and hung up the phone. This is the moment by which I believe XXXX XXXX sprung into action and alerted her superiors of our conversation ; by which management within U.S. Bank commissioned XXXX to empty out my home, change the locks, and terminate electricity in an all-out effort to impede my defense of taking pictures that would prove I was occupying XXXX XXXX XXXX. 

During our conversation, on XX/XX/XXXX, I emailed XXXX XXXX my XXXX XXXX utility statement issue by XXXX on XXXX XXXX. Given the proper mail time, due to the holiday, my XXXX XXXX XXXX XXXX statement did not arrive until the week of XXXX XXXX, when U.S. Bank was slated to go to court and stop the foreclosure because I was told my application was complete and was eligible for loan modification! Therefore, when I provided her with this document ( see pdf : XXXX XXXX of XXXX ( XXXX MB ) from case number XXXX ), on XX/XX/XXXX @ approximately XXXX EDT XXXX XXXX stated that there was nothing U.S. Bank can do since " the '' home was sold at auction on XX/XX/XXXX. Nevertheless, on XX/XX/XXXX @ XXXX XXXX XXXX with U.S. Bank stated that my loan modification was still being processed ( see pdf : XXXX via case number XXXX ). If what XXXX XXXX told me was an accurate and true statement how is it that on XX/XX/XXXX I was told by XXXX that my loan modification was still being processed? If I was informed on XX/XX/XXXX, well over a year time span by which XXXX XXXX stated that there was nothing else that can be done in regards to my loan modification, I would like U.S. Bank to explain to me in detail why my loan modification was improperly declined in XX/XX/XXXX ; moreover why U.S. Bank believes their actions does not constitute misrepresentation, fraud, and breach of contract to the Settlement Agreement U.S. Bank signed and agreed to uphold by offering XXXX dollars in loan modification to " eligible '' applicants?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation