Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Request for Investigation Unauthorized Mortgage Transfer, Forged Documents, and Auction Sale Dear CFPB, I am writing to formally request an investigation into the transfer and sale of my property located at XXXX XXXX XXXX, XXXX, MA XXXX. I do not understand when or how USAA transferred the mortgage on my home to U.S. Bank, nor do I understand the basis for the subsequent auction sale of the property.

I was never notified of any mortgage transfer, assignment, or sale of servicing rights. Additionally, I recently became aware of a closing with XXXX that appears to have been reversed using my name and a forged signature. The document attached to this letter shows initials that are clearly not mine.

Given these serious irregularities, I am requesting that the CFPB investigate the following : When and how USAA transferred, sold, or assigned the mortgage on XXXX XXXX XXXX to U.S. Bank.

The basis and authorization for the auction sale of the property.

Any involvement of Attorney XXXX XXXX, XXXX XXXX, US Bank, and XXXX  in these transactions. 

All email correspondence and communications between USAA, Attorney XXXX XXXX, XXXX XXXX ( who has left the U.S., upon belief, for XXXX ), U.S. Bank, and XXXX  relating to my mortgage or property. 

I believe these actions may involve fraudulent activity, including the use of forged signatures and unauthorized transactions in my name. I request that the CFPB compel the relevant institutions to produce documentation of all transfers, communications, and authorizations related to my mortgage and property.

Please confirm receipt of this complaint and advise me of the next steps in the investigation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX email evidence includes : On Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Hi, XXXX. How are you? 

Please send me the email response from USAA to the message which is attached. 

Regards, XXXX XXXX Sent from my XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX EDT To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact XXXX XXXX XXXX  XXXX, XXXX Subject : mortgage - XXXX XXXX XXXX Hi, XXXX. Please let me know if you are available to speak tomorrow. 

Is there proof from the time of our transaction that I signed mortgage documents for XXXX XXXX XXXX? US Bank will not speak with me because they state that I am not on the mortgage, yet they are attempting to foreclose.

Please advise.

As long as I am not signing the note and mortgage, And take me off of the closing instructions, and I have no liability, XXXX said. XX/XX/XXXX XX/XX/XXXX spoke with XXXX XXXX he advised not to sign and to have XXXX go back to usaa . Better if I am not on the mortgage. he said that he is confused as to why I am listed as a borrower on the closing instructions and I should not be. They need to change that. Please tell the bank that I am not on the mortgage. XXXX also said that no lender will give us our current terms so he should go back to USAA. I have more leverage if not on the mortgage if the bank forecloses on our loan. 

XXXX is inconsistent and as a practical matter I am not signing the note, so not liable. If XXXX stopped paying the note and is in default they will foreclose.

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