Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am filing this complaint regarding serious mortgage servicing errors, misapplication of payments, Improper fees and charges, FAILURE TO CORRECT, FAILURE TO PROVIDE DOCUMENTATION, refusal of reinstatement tender, escalating and inconsistent reinstatement quotes, and proceeding with foreclosure while a formal DISPUTE AND Notice of Error remains unresolved. 

I have maintained documented payment records and provided them for XXXX, XXXX, and XXXX, including electronic withdrawals, branch receipts, and copies of cleared checks. Payments were made consistently and, in some instances, paid XXXX month in advance. 

In XX/XX/XXXX, the servicer alleged default. However, subsequent internal adjustments to previously misapplied payments reflected that the alleged default was removed, but not disclosed to us and a partial claim was still executed. After execution of a partial claim in XXXX, the account continued to show a past-due balance despite ongoing payments. Property inspection fees and other charges were added repeatedly within days of each other. LATE FEE ACCRUED EVEN THOUGH INCLUDED IN LATE PAYMENTS On XX/XX/XXXX, the servicer completed an electronic withdrawal from my account and, on XX/XX/XXXX, initiated foreclosure proceedings for an alleged new default. Reinstatement amounts escalated rapidly and inconsistently as follows : XX/XX/XXXX {$5500.00} XX/XX/XXXX {$7700.00} XX/XX/XXXX {$7700.00} XXXX XXXXXX/XX/XXXX {$10000.00} XX/XX/XXXX {$13000.00} On XX/XX/XXXX, I attempted to tender {$7700.00} to cure the alleged default AND CONTINUE THE DISPUTE IN GOOD FAITH. The servicer refused to accept payment. 

ON XX/XX/XXXX I requested a complete, itemized payment history and accounting, and was told it would be provided within XXXX  days. It was never provided. 

On XX/XX/XXXX, I submitted a formal Notice of Error under RESPA and Regulation X disputing : The existence of default Misapplication of payments Escalating reinstatement amounts Improper fees and charges Failure to provide payment history XXXX tracking confirms delivery on XX/XX/XXXX. NO RESPONSE Despite the pending Notice of Error and unresolved accounting dispute, a trustees sale of my home is scheduled for XX/XX/XXXX. 

The servicer is proceeding with foreclosure while : A formal Notice of Error remains unresolved A complete loan history has not been provided Reinstatement amounts increased DUE TO SERVICER DELAY AND REFUSAL TO RESOLVE Tender of cure funds was refused and reinstatement costs are continuing to increase while servicer delays resolution. 

I request that the CFPB require the servicer to : Provide in writing a complete, itemized loan payment and funds received history from XXXX to present, where and when the payments and funds were applied, corrections made and the date they were made. overpayment and advanced payments received and applied, fees waived or reversed, where that money was applied and when it was applied, Provide in writing a detailed breakdown of all fees, inspections, property preservations, advances, and itemize corporate recoverable advances and charges as well as dates and amounts recovered. 

Explain in writing the basis for the XXXX partial claim, where the money was applied when it was applied, how much was applied, and how much was recovered to date. 

Explain in writing the denial of reinstatement quoted by loss mitigation {$7700.00} on XX/XX/XXXX, decline payment, yet escalation of reinstatement amounts quoted on XX/XX/XXXX {$10000.00} Suspend foreclosure activity and provide a notice in writing until the servicing dispute is fully resolved. 
Provide the direct contact information for a person authorized to resolve these issues, as well as their direct supervisor 's contact information. 

This complaint concerns mortgage servicing INaccuracy, failure to properly respond to a Notice of Error, refusal to accept a reinstatement tender, and proceeding with foreclosure despite documented payments tendered and a documented dispute.

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