Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MS)

XXXX XXXX, XXXX U.S. Bank National Association XXXX XXXX XXXX XXXX, OH XXXX Attention : Escalation Center Re : XXXX XXXX XXXX XXXX, XXXX, TN XXXX # FHA # XXXX Dear U.S. Bank : This is a letter of formal complaint regarding the foreclosure proceedings as indicated in a letter sent on XXXX XXXX, XXXX from U.S. Bank. 
This development, and the manner in which it has been handled, is not appropriate and violates my rights. My first indication of being referred to foreclosure came in a letter dated XXXX XXXX, XXXX. After months of communicating with U.S. Bank 's Relationship Manager, XXXX XXXX and others, my file was in the " Short Sale '' process. 
Based upon XXXX XXXX 's information on XXXX XXXX, XXXX, she stated that the processor said due to the new Tennessee XXXX guidelines that changed today XXXX/XXXX/XXXX, there is no denial. Since, XXXX, XXXX, I have attempted to sale the property numerous times unsuccessfully to finally FIND A BUYER WHO WAS READY, WILLING AND ABLE to purchase the property as a " short sale '' in XXXX, XXXX. 
In the short sale process, I was asked to submit various documentation. I submitted the information to U.S. Bank, and indicated that I was the sole person on the loan. Therefore, my husband information will not be included, per his request. Afterwhich, the bank continued to state that I was missing documents, etc. even though I had submitted the information as requested. 
As of XXXX XXXX, XXXX, XXXX XXXX indicated that all the documentation was submitted, she had talked with the processor numerous times, and that she would be out of the office until XXXX XXXX, XXXX. However on XXXX XXXX, XXXX another U.S. Bank employee by the name XXXX XXXX contacted me. He exhibited unprofessional behavior in the entire call, and indicated the following : As of XXXX XXXX of this year, we are requesting a signed XXXX unaltered tax return with all pages ( the one we have received the social security number is altered and not acceptable ), since there is not schedule C also provide the XXXX tax returns with schedule C if that is the case for that year. 
The next day, I received a letter from U.S. Bank stating that " it is necessary to initiate foreclosure action. The account has been referred to our attorney to begin legal proceedings immediately. '' Afterwhich, I received a letter from a lawyer stating they had received instructions from U.S. Bank to foreclose the mortgage on XXXX, XXXX, TN XXXX. 
For U.S. Bank to foreclose on my property when I had 1 ) found a willing and able buyer 2 ) cooperated with them through the years and especially since XXXX, XXXX until now 3 ) U.S. Bank indicated that the Tennessee Housing guidelines changed, there is no denial 4 ) not received an answered from them either verbally or written, about the information I submitted directly from the Internal Revenue Service 5 ) U.S. Bank kept asking for more information and the information given was inaccurate 6 ) sent me a letter without my knowledge and assumation that we were in the " short sale '' process directly reflects upon the comprising principles of U.S. Bank National Bank and the lack of value towards customer relationships. 

Sincerely, XXXX XXXX XXXX ( XXXX )