She says she never missed a payment — then lost her home anyway
U.S. Bank Home Mortgage is facing a federal lawsuit accusing it of foreclosing on a Nebraska home without following basic servicing rules.
The case, filed on April 8, 2026, in the United States District Court for the District of Nebraska, was brought by Gloria Hill, a former Douglas County homeowner who says she never missed a payment — and yet lost her home anyway.
According to the filing, Hill purchased a property at 14622 Mormon Street in Bennington, Nebraska, in January 2019 and took out a mortgage of approximately $181,550 with U.S. Bank. She alleges she kept up with her payments. But starting in December 2019, the bank and its assigned trustee, Edward E. Brink, began claiming she was behind — sending what she describes as harassing communications, including late payment notices.
What makes this case stand out for mortgage professionals is what Hill says did not happen. She alleges the bank never contacted her by phone to discuss loss mitigation options, something federal servicing rules require within 36 days of a missed payment. She also claims she was never notified in writing about alternatives to foreclosure and never received a Notice of Default. Most notably, she says she was never put on legal notice of the foreclosure sale itself.
Despite all of that, the property was sold at foreclosure on or about January 16, 2020, to 100 Year Homes, Inc. A transfer statement attached to the filing lists the property's market value at $200,000 and identifies the transaction as a foreclosure under a trustee deed. By January 28, 2020, 100 Year Homes had already filed a forcible detainer action against Hill in Douglas County Court. She was evicted by around May of 2020. The property changed hands again on June 4, 2020, when 100 Year Homes sold it to Emeka Igbokwe.
Hill is now pushing back with four claims: quiet title against Igbokwe, intentional infliction of emotional distress against all defendants, declaratory relief under the Declaratory Judgment Act, and wrongful foreclosure and eviction against U.S. Bank and 100 Year Homes. She argues the defendants failed to comply with the Nebraska Trust Deeds Act and federal servicing requirements, and is seeking between $75,000 and $400,000 in damages. She has also demanded a jury trial.
No court has ruled on the merits of this case. Hill is representing herself, and the defendants have not yet responded. These are allegations at this stage, not findings.
Still, for anyone in the mortgage servicing space, this filing reads like a cautionary tale. The federal rules requiring early borrower outreach, written loss mitigation notices, and a 120-day waiting period before foreclosure exist for a reason — and cases like this one are what follow when borrowers say those steps were skipped.
The filing also highlights a ripple effect that goes well beyond the servicer. When a foreclosure is challenged after the fact, everyone in the chain — from the purchaser at auction to the next buyer — can get pulled into court. That is exactly what happened to Igbokwe here.
The case is Hill v. U.S. Bank Home Mortgage, et al., No. 8:26-cv-00152, in the United States District Court for the District of Nebraska.
