Consumer complaint received 2025-12-30 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: MN

Complaint narrative:
Iam the borrower on an XXXXinsured mortgage serviced by U.S. Bank XXXX I fell behind during XXXX and received Homeowner Assistance Fund ( HAF ) support that was applied to my account in XX/XX/XXXX. 

Despite that payment assistance, U.S. Bank foreclosed and purchased my home at sheriffs sale on XX/XX/XXXX. On XX/XX/XXXX, a court vacated and rescinded the sale, restoring the loan and title to pre-sale status. 

After the sale was vacated, U.S. Bank continued to treat my account as if it remained in foreclosure and did NOT restart FHA loss-mitigation from the beginning. Instead, they : sent partial-claim documents with incorrect dates refused to correct and reissue them when I said I would sign corrected versions later marked me not eligible due to missing documentation assigned a Single Point of Contact who is unreachable continued billing foreclosure-related activity and failed to provide prior servicing and call-record history I have been left without a workable path to resolve my loan. 

Co-Borrower Issue ( Context ) My former co-borrower has not lived in the home since XXXX and executed a quit-claim deed transferring ownership to me in XXXX. He later became incarcerated. 

Despite this, U.S. Bank continued to require him to participate in loss-mitigation and refinance, which made assistance impossible. I am the only resident and responsible party on the property. 

XXXX Funds I repeatedly requested a clear accounting showing exactly where XXXX funds were applied including whether any was applied toward foreclosure-related legal costs. 

I have not received a transparent answer. 

XXXX XXXX XXXX was force-placed even though coverage existed. I am being billed by both the servicer and my own insurer. I requested : the reason force-placed insurance was applied how this will be corrected and whether fees will be reversed I have not received a clear response. 

XXXX & XXXX Problems When I call for assistance : I am told to contact foreclosure attorneys attorneys refuse to speak with me because they do not represent me escalation access is denied I am told records prior to XXXX do not exist representatives are sometimes rude calls have been terminated I can not reach the people who are responding to my complaints in writing. 

I have submitted multiple complaints, but U.S. Bank repeatedly responds that the issues are already addressed, when they are not. 

FHA Loss-Mitigation Failure After the foreclosure sale was vacated, FHA requires XXXX full restart of loss-mitigation review. 

Instead : I received defective paperwork corrections were refused I was later coded incomplete no full review was restarted foreclosure-related activity continued This is not borrower refusal to cooperate. 
This is servicer failure to properly complete FHA mitigation after a vacated sale. 

Affordability Impact Because of the delay and repeated handling failures, my delinquency has continued to age. I ask sincerely : How am I expected to resolve my mortgage now, when the process has been prolonged for years without proper FHA review through no fault of my own? 

If proper assistance had been provided earlier, this situation would have been resolved long ago. 

Current Status Sale was vacated FHA mitigation has not been properly restarted Force-placed insurance remains unresolved Records are withheld Complaints are closed without resolution There is still no workable modification path This has caused severe stress and instability for my family. 

What I Am Requesting I respectfully request CFPB assistance to require U.S. Bank to : XXXX XXXX FHA loss-mitigation review from the beginning Reissue corrected partial-claim or modification documents Provide full servicing records, including XXXX Provide a clear accounting of XXXX funds Correct any improper force-placed insurance handling Provide a functional Single Point of Contact I am willing to cooperate fully. 
I simply want a lawful and affordable FHA resolution without further delay. 

What This Is NOT This is not refusal to pay. 

This is a request for : transparency proper FHA servicing and a fair chance to resolve my mortgage and an explanation into why they did this to me? 

after a vacated foreclosure sale. 

Desired Outcome Proper FHA review Correct documentation Fair resolution Real communication Stability So I can move forward responsibly.

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