Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Signed and Sealed under Affirmation, True to the best of our knowledge and belief. 

To : Federal Trade Commission, Consumer Financial Protection Bureau From : XXXX XXXX RE : Violators ; US BANK HOME MORTGAGE/ ACCOUNT NO. XXXX By and through XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX This is a complaint of federal violations ; Pursuant to the Federal Trade Commission Act, Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 619 Obtaining information under false pretenses, And The Consumer Financial Protection Act of 2010 ( XXXX ) ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203. 

Bank : US BANK HOME MORTGAGE/ ACCOUNT NO. XXXX By and through XXXX XXXX ; Have committed the following numerous violations ; XXXX XXXX and XXXX XXXX have not given any prior consent for the aforementioned debt collector to communicate, violation of XXXX. Communication in connection with debt collection ( a ) [ Communication with the consumer generally and ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ] US BANK HOME MORTGAGE/ ACCOUNT NO. XXXX By and through XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX are abusing their power 's through said Attorney Firm. 
XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section XXXX ( XXXX ) or XXXX ( XXXX ) XXXX of this title. 
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX are using false or misleading representations. 1. ) Threatening the sale of property. 2. ) Law Firm has not produced any lawful valid representation/ delegation of authority from US BANK HOME MORTGAGE. 3. ) US BANK HOME MORTGAGE, has acquiesced pursuant to collateral estoppel as debtor to XXXX XXXX and XXXX XXXX for the past ( 5 ) Five years XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of -- [ ( A ) the character, amount, or legal status of any debt ; or ] ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court

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