Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: MN

Complaint narrative:
Subject : Violations of RESPA Regulation X, Minnesota Statute 582.043, and Procedural Bad Faith in Loss Mitigation. I am filing this complaint for systemic failures and illegal " Dual Tracking '' by U.S. Bank regarding my mortgage [ Loan # XXXX ]. The bank has violated the following : Federal RESPA Regulation X ( 12 CFR 1024.41 ) : Illegal dual tracking by proceeding with foreclosure while a loss mitigation application was acknowledged as " complete ''. Minnesota Statute 582.043 : Violation of the state " Dual Tracking '' law, which requires a servicer to halt a foreclosure sale and evaluate an application received up to 7 business days before a sale. FHA Handbook 4000.1 : Failure to follow the mandatory FHA Loss Mitigation Waterfall and demanding documentation for an unemployment hardship where HUD guidelines explicitly state none is required. 12 CFR 1024.38 : Failure to maintain policies and procedures to provide a borrower with accurate and timely information and accessible documents. II. Timeline of Procedural Bad Faith XX/XX/XXXXXXXX  : Enrolled in initial forbearance XX/XX/XXXXXXXX  : Contacted U.S. Bank to report that my hardship ( unemployment/medical ) was not resolved and requested an extension. A representative instructed me to " call back in a week, '' intentionally allowing my protections to expire. XX/XX/XXXXXXXX  : Called back as instructed. 
I was informed the account was moved to " active foreclosure '' the previous day ( XX/XX/XXXX ), effectively using the bank-instructed delay to initiate legal action. XX/XX/XXXXXXXX  : U.S. Bank issued a formal " Foreclosure attorney assignment '' notice to XXXX, XXXX, XXXX. XX/XX/XXXXXXXX  : U.S. Bank received my full loss mitigation application. XX/XX/XXXXXXXX  : U.S. Bank sent a formal written acknowledgment stating my application was " complete ''. Despite this " complete '' status, the bank is continuing " foreclosure review '' as of XX/XX/XXXX. XX/XX/XXXXXXXX  ( Procedural Fraud ) : A representative named XXXX employee ID number XXXX and fraudulently enrolled me in a " Partial Claim '' without my consent or a review of my financials while I was driving and unable to discuss terms I was not able to continue the call for I was driving when I called to talk about my options. They told me that its already in processing all in review for approval. No additional information needed. What is contradicting to all the communication and letters from law firms and US Bank stating differently. III.

Digital Obstruction & Lack of Information U.S. 
Bank has seized my online portal access due to the " active foreclosure '' status. However, they continue to send automated emails ( XX/XX/XXXXXXXX  ) telling me to " log in '' to upload documents, such as pay stubs, that are not required for my hardship type. When I contacted the law firm ( XXXX, XXXX, XXXX XXXX, they refused to provide information and told me to request it in writing, despite U.S. Banks XX/XX/XXXX letter stating the firm was the primary contact for reinstatement figures. IV. Requested Resolution 1.

Immediate Stay of Foreclosure : U.S. Bank must withdraw the file from the law firm immediately as a " complete '' application is pending. 2. Portal Restoration : Restore my digital access immediately so I can view and respond to legitimate requests. 3.

FHA Compliance : Evaluate me for a Forbearance Extension under the FHA Waterfall, adhering to the standard that no financial documentation is required for unemployment hardships. 4. Written Evidence : I require a written statement from the bank and the law firm confirming that all foreclosure activity has been halted. I also requested a complete review of how this partial claim was enrolled when I did not give authorization or consent to move forward with a partial claim I was unaware and did not authorize this. The representative fragile submitted my partial claim.

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 monetary relief