Consumer complaint received 2018-07-28
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Attention XXXX XXXX XXXX XXXX, Based on your letter ( attached ), stating that you are the trustee for the Trust that owns the mortgage and note on my property. I have taken the initiative to request answers under a microscope. 
I have discovered ( referencing my property XXXX XXXX XXXX, XXXX, PA XXXX ) that there was not ever a loan because the money advanced by investors was subject to a set of documents supporting a bond in which I was not the payor and where I never signed. I was subjected to a set of documents that failed to disclose the real party or the real terms of the entire transaction aka- a black letter requirement of the truth in lending laws. 
The real purpose of this transaction was an investment scheme wherein the intermediaries took everything-the money & properties. 
Without my consent, I was converted from a borrower to a securities issuer and your investors were converted from being a part owner in a valid REMIC pool to being the alleged buyer of the security issued by my signature. 
The right of recession and damages arouse not only from TILA but from the SEC rules and regulations. 
Moreover, while researching I just realized that I actually entered into an undisclosed investment contract, NOT a loan. 
Youre ( XXXX XXXX XXXX XXXX and all banks affiliated ) securitization was and is an investment contract. 
I pray that the Pennsylvania Office of Attorney General request you ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX  ) to produce a real copy of the XXXX form which was filed with the IRS, and the XXXX including the XXXX. These documents will prove that I am the creator. The profits made from the investment mortgage note, belongs to me. 
The Lender only lent their name to the mortgage loan transaction. The lender NEVER lent me the funds. It was an undisclosed third party who in fact provided the funds for me. 
Simply, I was tricked into thinking I was the borrower of a loan, when in fact I was a seller of a mortgage note into an investment Trust. The Investment trust never had a right to the mortgage Note. 
Please Note My Request For Detailed Information : I am requesting from Mr. XXXX XXXX |Mr.  XXXX XXXX XXXX both with XXXX XXXX XXXX XXXX & Ms. XXXX XXXX with XXXX XXXX XXXX, XXXX to forward copies ( via CFPB portal ) of the originators Power of Attorney and the chain of ALL mortgage assignments recorded and for the sake of XXXX XXXX with XXXX XXXX XXXX , XXXX. unrecorded assignments. 
Secondly, I am requesting copies of the Power of Attorney on file representing ALL mortgage assignments from the original originator. 
Thirdly, I am requesting information of who originated my mortgage? 
Fourth, please help me understand based on your letter attached, why isnt XXXX XXXX XXXX, XXXX affiliated with US Bank in any way but authorized to make decisions and take actions of foreclosure? 
In conclusion, please supply a properly dated trail of assignments to show that the originators legal right to collect and foreclose on my property has been passed from one organization to the next, to the current mortgage servicer who you stated in the attachment is XXXX XXXX XXXX, XXXX.? 
I look forward to your response ( via CFPB portal ) as soon as possible.

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