Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: FL

Complaint narrative:
P Formal Response and Correction of Record Account XXXX Dear Customer Advocacy Team, I am responding to your letter regarding Account No. XXXX, in which you state : Regarding your reference to the Servicemembers Civil Relief Act ( SCRA ), please note that SCRA protections apply to XXXX XXXX XXXX, not XXXXXXXX XXXX. The statute ( 50 U.S.C. 39014043 ) does not provide coverage for individuals who are not currently serving on XXXX XXXX. We respectfully decline your request for compensation. 
While I appreciate the detailed timeline you provided concerning the XXXX forbearance, loss mitigation review, trial period plan, and loan modification, your response contains a material factual error regarding my SCRA eligibility. At the time of the servicing actions, requests for assistance, and modification review referenced in your letter, I was XXXX XXXX XXXX XXXX XXXX  I also held XXXX XXXX  status concurrently. These statuses are not mutually exclusive, and under the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ), XXXX XXXX is the controlling factor for SCRA eligibility . Therefore, the statement that SCRA protections did not apply is factually incorrect. 
Because this factual error appears to have formed the basis of your denial, any determination that my account was not subject to SCRA review is invalid and must be reconsidered. Moreover, your prior response does not address whether all servicing actions taken during my XXXX  periodincluding capitalization of delinquent interest and escrow, loan modification structuring, or other financial impactswere reviewed for compliance with SCRA protections and applicable federal servicing standards. It also does not confirm whether any adverse or retaliatory actions occurred in connection with my requests for assistance or assertion of federally protected rights. 
Accordingly, I request the following : Immediate re-review of my account for full compliance with the Servicemembers Civil Relief Act during my period of XXXX XXXX 
Written acknowledgment that my XXXX  status was misstated in your prior response. 
A detailed explanation of all servicing actions taken during the applicable period, including the calculation of capitalized amounts, revised payment terms, and any financial or credit impacts. 
Written confirmation that no adverse or retaliatory actions were taken in connection with my assertion of federally protected rights or requests for relief. 
Legal Addendum : The SCRA ( 50 U.S.C. 39113925 ) explicitly limits interest rates, provides protection from adverse actions, and requires creditors to avoid penalizing servicemembers for exercising their rights. Failure to correctly identify my XXXX status and provide SCRA protections constitutes a violation of these statutory obligations. 
This correspondence is submitted to correct the record, respond directly to your stated position, and preserve my rights. I request that all further communications regarding this matter be provided in writing. I can provide the XXXX XXXX orders Sincerely, 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