Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
SUPERVISOR XXXX XXXX please take action. CFPB Complaint Procedural NonCompliance, Deliberate Stalling, and Avoidance of Portal Requirements Complaint Narrative ( Aggressive LegalTone Version ) I am filing this complaint to report what appears to be a deliberate pattern of procedural noncompliance by U.S. Bank in its handling of multiple CFPB complaints related to the Estate of XXXX XXXX. This complaint is not about the underlying servicing dispute. It is about the companys ongoing refusal to comply with the CFPBs required method of response, its attempts to move communication outside the federal record, and its continued stalling tactics, which have prevented any progress since XX/XX/year>. Under the CFPBs complainthandling requirements, companies must provide full, substantive responses directly in the CFPB portal, including documentation, timelines, and explanations addressing each issue raised. A mailed letter does not satisfy this requirement and prevents the CFPB from reviewing the companys response. It also prevents the consumer from receiving a complete, federally documented record. Despite these requirements, U.S. Bank has repeatedly : Sent mailed letters instead of posting responses in the portal Filed interim responses that contain no substance and no documentation Avoided answering the issues raised in any of the complaints Attempted to shift communication to voicemailonly phone numbers Failed to provide any email contact or written communication that satisfies federal recordkeeping Ignored the fact that this matter has been ongoing since XXXX, with no plan, no action, and no resolution This conduct appears intentional. It is clear the bank is using the CFPB interimresponse mechanism to stall, delay accountability, and avoid creating a federally reviewable record. I have explained this pattern in multiple prior CFPB complaints, yet the bank continues to go around the bush to avoid answering directly in the portal. I have called the number provided ( XXXX ) XXXX times. It rings once and goes straight to an automatic voicemail for XXXX. No one has returned my calls. No email address has been provided. No portal documentation has been uploaded. No substantive response has been given. This is not a goodfaith attempt to resolve anything. Given the number of complaints filed, the length of time this has been ongoing, and the banks repeated refusal to comply with the CFPBs response requirements, I am requesting : 1. Immediate supervisory review of U.S. Banks handling of all prior complaints. 2. A determination of whether the company is intentionally avoiding the CFPB portal to evade federal oversight. 3. A requirement that U.S. Bank provide a full, substantive response in the portal, including documentation, timelines, and explanations addressing each issue raised. 4. A review of whether the companys repeated mailed letters and interim responses constitute a pattern of noncompliance with CFPB complainthandling rules. This matter has been ongoing since XXXX, and U.S. Bank has taken no action and provided no plan. Their conduct undermines the integrity of the CFPB complaint process and prevents meaningful federal review. I have sent XXXX RESPAbased demand letter to U.S. Bank

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