Consumer complaint received 2018-07-30
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
US Bank unilaterally changed a credit line into TWO mortgage loan notes, then attempted to foreclose on my domicile multiple times. The full complaint has been previously submitted and responded to by the Consumer Advocacy Specialist at the US Bank, however, the response avoided the main issue : which is the unlawful exparte judgment, the unlawful doubling of the loan during the HAMP application, auctioning off my domicile after a bankruptcy was filed, changing the payoff amount arbitrarily, counteracting their own paperwork. 

I must have the original note. There is no signed mortgage. How can they attempt to foreclose on a home without a mortgage. 

The credit line is the only paperwork that is signed and lawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX, Consumer Advocacy Specialist Case number # XXXX XX/XX/XXXX Dear XXXX XXXX, I am in receipt of your letter dated XX/XX/XXXX Your letter fails to address the following : 1 : You had an exparte judgment, which is unlawful. This is a judgment ofXX/XX/XXXX. 
2 : US Bank did NOT inform me about any hearing for a judgment. This is unlawful.

3 : The judgment has been vacated by an Affidavit of Truth and by a Writ of Error. US Bank refuses to accept the vacated judgment.

4 : There was no note other than a credit line number XXXX which you admit in your letter. The other mortgages were manufactured by the bank for their own purposes.

5 : US Bank returned my regular monthly payment check for no reason given.

6 : After the rejection of my monthly payment I applied for the HAMP program.

7 : The loan amount was doubled in the HAMP program. In your letter you have made NO mention of the unlawful activity of the doubling of the HAMP program.

Consequent to the unlawful activity of the HAMP program, I was forced to declare bankruptcy to protect my home.

There was only one true bankruptcy. The first two were dismissed because of inaccurate paperwork.

The third was dismissed due to misfiling.

Please provide proof of the following : A : Provide proof of a denial of the Writ of Error to vacate the judgment of XX/XX/XXXX B : Provide copies of any notifications sent to me regarding any hearing for any judgment before XX/XX/XXXX.C : Provide proof that my being able to file in court is lawful and remains unchallenged. 
D : Provide proof of any original note regarding my loan.

E : Provide an Asset Balance Sheet regarding my property.

F : Answer the subpoena issued to you before my bankruptcy was filed in the first instance.

G : Provide paperwork to show the change of the credit line created by US Bank, transferring the credit line into a promissory note. This must show my signatures on the transfer or pay off For your information : The Loss Mitigation program is the very same that was started in XXXX, but due to the inefficiency of your bank and its departments there were at least 4 application refiled because the applications were lost or so I was informed. 
The reason for the extension of any servicing of the credit line is not because of me, but because of the inefficiency of your bank and its various departments. 
You admit in your letter that the credit line was changed by the US Bank, who paid off the credit line! Who gave the authority for that to happen? 
You claim in your letter At no time throughout the history of this Mortgage Loan have there been any handling or servicing issues. Yet you admit the credit line was changed to a mortgage loan.

Regarding your comment about the incomplete applications : All previous applications were lost by Relationship Managers who were changed.

Please review the number of Relationship Managers on my case. The inefficiency is appalling.

Finally, you are in error about the wrong address. During a hearing with Judge XXXX the correct address was given in court by me and was logged in court records. 
Yet : : DESPITE the correct information the debt collectors continued to send notification to the wrong address, attempt to auction my home without sending me notification, attempt to have a hearing with Judge XXXX, without sending me notification, due to which Judge XXXX was recused. 
Please correct the statement regarding the {$88000.00} sent to you after the sale of my condo in XXXX : The payment was interbank and not by me. I do not personally handle such large sums of money. 
That US Bank can not find it is further proof of inefficiency on the part of US Bank. 
Currently, the Loss Mitigation department is working with me on my application. 
I hold US Bank responsible for : * Attempting to auction off my home while I am under the HAMP /Loss Mitigation program. This is against Federal Law.

* Actually auctioning off my home after bankruptcy was filed. This is against Federal Law.Can you imagine the enormous pressure and anguish created on me by the US Bank for these repeated unlawful attempts of auctioning my domicile? People are peering into my windows and trampling through my garden and ringing my doorbell looking to buy my domicile. Is this bullying and harassment by the debt collectors authorized by US Bank? Either the US Bank or the debt collectors or both are to be held accountable for this bullying and harassment.

Each and every unlawful auction attempt is accountable for by US Bank.

In closing, the legal counsel you mention are debt collectors. You had hear that announcement on their recording of their office answering machine yourself. Debt collectors are not allowed to foreclose on a home. They have purchased the debt of the bank, the US Bank in this case. 
Please provunilateralylide the responses demanded in this letter within 14 days. 
Signed, 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