Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: NE

Complaint narrative:
CC : XXXX XXXX. of Housing and Urban Development Federal Housing Administration XXXX XXXX -- Due to the requirement of payment to exercise my right to petition for redress of grievances, I am utilizing official government complaint channels as my method of legally verifiable communication. Attached please find my Qualified Written Request under RESPA. 

" Borrower Correspondence '' XX/XX/year> US Bank Home Mortgage XXXX : Qualified Written Request under RESPA Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Borrower : XXXX XXXX Dear Sir or Madam : This is a Qualified Written Request ( QWR ) under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ). 

I am writing regarding the servicing of the above-referenced mortgage loan and request the following information and documentation : XXXX. LOSS MITIGATION EVALUATION DOCUMENTATION a. Complete timeline of all loss mitigation reviews conducted on my loan b. All worksheets, calculations, and determinations made regarding my eligibility for : - Principal reduction under FHA guidelines - XXXX loan modification with partial claim - XXXX loan modification with partial claim - Combination modification options XXXX Documentation showing compliance with FHA loss mitigation waterfall XXXX required under current XXXX XXXX servicing guidelines XXXX Any communications with XXXX XXXX regarding my loan 's loss mitigation evaluation XXXX. DOCUMENTATION REQUIREMENTS CLARIFICATION On XX/XX/year>, I received XXXX letters from your office, both dated XX/XX/year>, requesting a document described as " Contact your Relationship XXXX. '' XXXX letter specified a XXXX deadline ; the other did not. 

I request : a. Official source, form number, or regulatory citation for this document b. Explanation of how to obtain this document XXXX Clarification on which deadline applies d. Explanation for why XXXX different letters with different terms were sent on the same date e. All internal policies, procedures, or guidelines that reference this documentation requirement XXXX. SERVICING AGREEMENT AND INVESTOR GUIDELINES a. Copy of the pooling and servicing agreement between US Bank and XXXX XXXX XXXX my loan b. All investor guidelines currently applicable to my loan c. Documentation of any investor approval or denial of loss mitigation options for my loan d. Identity and contact information for the investor or party with authority to approve loss mitigation XXXX. PAYMENT HISTORY AND ACCOUNTING a. Complete payment history from loan origination to present b. Itemized accounting of all fees, charges, and costs added to my loan XXXX Explanation of how payments have been applied d. Current escrow analysis XXXX. CORRESPONDENCE AND COMMUNICATIONS a. Copies of all letters, notices, and written communications sent to me regarding loss mitigation. 
b. Notes or records of all telephone communications regarding my loan XXXX Identity and contact information for any " Relationship XXXX '' assigned to my account XXXX. PAYOFF STATEMENT a. Please provide a payoff statement with a payoff date with 30 days deadline within XXXX business days DISPUTE AND ERROR NOTIFICATION I dispute the following and assert these constitute errors under RESPA : XXXX. Failure to properly evaluate my loan for all available loss mitigation options under FHA guidelines, specifically principal reduction provisions XXXX. Request for non-existent documentation ( " Contact your Relationship Manager '' ) that appears designed to delay or obstruct loss mitigation XXXX. Inconsistent communication regarding documentation requirements ( XXXX letters, same date, different terms ) XXXX. Failure to provide clear information about loss mitigation status and investor approval/denial I request investigation and correction of these errors, including : - Proper evaluation of my loan under current FHA loss mitigation waterfall - Withdrawal of request for non-existent documentation - Clear written explanation of actual documentation requirements, if any - Determination of loss mitigation options with investor approval/denial status REQUESTED RESPONSE Please provide : XXXX. All requested documentation listed above XXXX. Written explanation of loss mitigation evaluation and determination XXXX. Correction of identified errors XXXX. Clear statement of what, if any, documentation is required from me to proceed with loss mitigation XXXX. Complete record of my entire mortgage file Please send all responses to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX

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