Consumer complaint received 2018-02-27
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
False claims brought to the State court in violation of Consumer Financial Protection Bureau against a Certified Consumer, tax underreporting, tax evasion and illegal insider trading by multiple parties. 

Continued harassment, stalking and abuse by unauthorized debt collectors impersonating the original creditor, issuer a certified consumer by multiple parties in a complex abusive debt collection and breach of privacy scheme. 

Certified claims sent by the United States Postal Service against a certified consumer and XXXX XXXX XXXX continue to trespass against the rights of private consumers at the request / due to intentional actions by XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX. by the unauthorized conversion of consumer property, unauthorized claims against the original creditor for the rights, titles and interest of exclusive private property ( for personal, family and household ) of the XXXX XXXX XXXX. These known parties have without consent traded for profit the personal information using private credits from financial transaction devices, executed by and held in the name of the certified consumer. 

On XX/XX/XXXX written demand was made for the taxpayer identification number for each co-conspirer in every alias that each is operating under including XXXX XXXX XXXX XXXX AND the eighteen 18 listed associates / partners of XXXX, XXXX XXXX XXXXXXXX XXXX. operating under multiple alias ' for each act against consumers that violates judicial processes, evidences tax underreporting, tax evasion and the lack of proof that multiple foreign agents have registered in the United States as required by law or received the required authorization by the Department of State to bring the false charge, without a sworn affidavit, without an injured party to a non-judicial district using the State court system as a tool for illegal debt collection and extortion actions against known certified consumers. 

None of the parties are operating pursuant to their corporate charters, and all are operating ultra vires outside their legal and lawful authorities to cause significant injury and attempted murder by the continued unauthorized acts against multiple senior 's committing elder abuse, contributing to the near death and continued long-term hospitalization of one of the consumers that continue to be harassed and abused by the unauthorized debt collection practices by the multiple parties. 

Demands for proof of authority, proof of claim, proof of taxpayer status have been denied by the multiple trespassers that continue to breach the privacy, peace and continue to make threats of XXXX causing terror and fear. 

The abusive debt collection scheme is based on the securitization of debt, the unauthorized sale of the securitized debt, continued privacy violations, false claims to the Securities and Exchange Commission, false claims to the Department of the Treasury, impersonation of the original creditor by the unauthorized use of multiple financial transaction devices. 

The abusive debt collection scheme includes the securitization of the original loan application, securitization of the false charges in State of California Superior Court - a pattern abusive debt collection action evidenced by a public records search of the many false claims brought by XXXX, XXXX XXXX XXXXXXXX XXXX  without delegation of authority and each in a name other than the name the STATE OF CALIFORNIA issued BAR credentials to practice. 

The names on each lawsuit do not match the names each impersonator is practicing by the use of non-judicial district, non-district courts against certified consumers to obtain false judgments to extort property from certified consumers is a proven practice evidencing the racketeering and conspiracy between multiple parties that have failed to register to do business or being charges in the local county, failed to file charges in the name that they have been authorized to practice and use of the mails to commit wire fraud. 

The debt, property of the originator, has been securitized without the consent of the consumer ; the personally identifiable information has been transferred / sold and monetized without consent and multiple accounts ( the original loan and the false court case are currently actively being traded under separate CUSIPS ) without authorization, disclosure or consent by the original creditor. 

Multiple parties continue to conspire and commit criminal acts against multiple certified consumers not limited to tax under reporting, money laundering, extortion of private property and the continued transmission of XXXX threats of debtors prison for failure to convey private property to prevent further injury by the complex financial racket. 

Public records evidence tax under reporting and lack of proper assessment not limited to mail fraud, securities fraud and the collection of debt certified by the Securities and Exchange Commission as being securitized, certified by U.S. Bancorp Chief Executive Officer pursuant to Rule 13a-14 ( a ) under the Securities Exchange Act of XXXX and Certification by U.S. Bancorp 's Chief Financial Officer pursuant to Rule 13a-14 ( a ) under the Securities Exchange Act of XXXX in violation of XXXX XXXX requirements. The bank executives as United States Treasury withholding agents have also certified the debt. 

The debt, property of the creator has been stolen and is in the possession of a criminal enterprise that on the public record acknowledges possession of stolen trust estate property without evidencing how each came to lawful possession and how each is making claims as the beneficiary, beneficial owner or having authorization by the original creditor for the unauthorized debt collection actions. 

The debt collectors do not have consent by the original creditor for the collection of the debt. 
The original creditor did not and does not consent to the financial transaction devices being securitized. 

The original creditor does not and has not consented to any of the unauthorized acts by the co-conspirators against natural rights of the certified consumers that have been injured by the unauthorized acts of criminal conversion against multiple certified consumers.

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