Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
OUR COMPLAINT On XX/XX/XXXX Affidavit of Revocation of Power of Attorney Revoking any and all organizations or company or institution has no authority for our XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as on our Social Security numbers. Without wet ink signatures from the living breathing representation 's of those Entities '. Dept Validation : Alleged Amount : {$350000.00} This is a claim and demand for DEBT VALIDATION, and offer to perform upon the preceding conditions : This offer of performance is made in good faith, to settle the attached complaint of alleged debt upon the condition RESPONDEAT INFERIOR validates the alleged debt and complies with the following stipulations herein within twenty-one ( XXXX ) days of receipt of this claim : XXXX ) RESPONDEAT INFERIOR completes, in entirety, the attached Debt Collector Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and XXXX ) RESPONDEAT INFERIOR, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant ; and XXXX ) RESPONDEAT INFERIOR produces all relative commercial instruments, including but not limited to applications, assigns, agreements, and/or contracts, which contain exchange of benefit ( s ) or consideration, and/or contain the verified signature of claimant ; and 4 ) RESPONDEAT INFERIOR provides, verified copies of all assigns, negotiations, securities and/or transfers of rights, title ( s ) and/or interest ( s ) and the like, sworn by wet-ink signature signed under the penalty of perjury that the foregoing copies are true, correct, and not misleading which unambiguously delineates that RESPONDEAT INFERIOR is the current owner, assignee, holder, holder in due course, and/or entitlement holder of the alleged debt including all supporting documentary evidence as proof ; and 5 ) RESPONDEAT INFERIOR produces all relative commercial instruments and/or notices, declarations, publications, which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations, liabilities, costs, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions ; and 6 ) RESPONDEAT INFERIOR provides proofs by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, RESPONDEAT INFERIOR did not engage in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller 's identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or use or threat violence, or other means to harm the reputation, or property of claimant ; therefore On XXXX XXXX Conditions for Acceptance : XXXX. Proof of Claim : Please provide a certified copy of the original promissory note bearing my wet-ink signature. XXXX. Chain of Title : Submit documentation showing the full chain of title and lawful assignment of the mortgage from the original lender to your institution. 3. Authority to Collect : Provide evidence that your institution has the legal standing to collect on this debt. 4. Accounting Ledger : A complete accounting of all debits, credits, interest, and fees applied to the account since inception. XXXX. Proof of Consideration : Demonstrate that lawful money ( legal tender ) was actually loaned to me, not credit created through bookkeeping entries. 6. Disclosure of Securitization : Confirm whether this mortgage has been securitized, and if so, provide the name of the trust and trustee. Please respond within ten ( 10 ) business days of receipt of this letter. If you are unable to provide the requested documentation, I will consider the matter settled and closed. There has been no response to request other than threats of foreclosure of our property. I will follow-up with notices to the SSA and all state and local authorities to show that I am indeed PERFORMING. Just want truth of the lending practices that are not being honored per the Fair Lending Laws and Regulations and Consumer laws that protect our rights.

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