Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the agent on behalf of XXXX XXXXXXXX XXXX. I have the capacity to contract but I am facing significant issues with Elan Financial Services who is owned by U.S.Bank.Elan Financial Services has been negligently violating a number of my rights under the United States Constitution.I 've expressed to them that all bills are the obligation of the United States which is shown in the United States Constitution Article 1 section ( 10 ), Article IV. I've also expressed that the Federal Reserve Act Section 16 also states that bills are the obligation of the United States. As well as 18 usc 8 stating that bills are in fact the obligation of the United States.Additionally 15 U.S.C. 1601 lets me know the informed use of credit which protects consumers from unfaircredit billing and credit card practices.I 've also expressed that the Bill of Exchange Act 1882 states that all bills are billsof exchange and gives a step by step guide on how to endorse bills.

Elan Financial Services received my first notice on XX/XX/2023 which was my claim of credits notice. I also gave specific instructions for the CFO to apply the principals balance to the principals account for each and every billing cycle for set off.Elan Financial Services received in the notice my letter of instructions, endorsed bill, durable power of attorney, and a copy of the Federal Reserve Act Section 16 showing their violations. After Elan Financial Services received my first notice I got a response letter dated XX/XX/2023 stating that my endorsed bill/ negotiable instrument had no meaning and that I am still liable to pay my account. 
As a result of non compliance I sent my second notice that was received on XX/XX/2023 which was the Opportunity to Cure. This notice contained all of the contents that were in the first notice along with Federal Reserve Act Section 29 which emphasized tier two. I waited five business days and did not receive any response or set-off to my account.

Again, after non compliance I sent Elan Financial Services a third notice which was my Notice of Default packet which contained all the contents that were in the Opportunity to Cure notice along with Federal Reserve Act Section 29 with tier three emphasized. I waited another five business days once they received my final notice and I still did not get a response or set-off to my account.

At this point Elan Financial Services is blatantly ignoring my clear direct instructions as the original creditor to this account and agent of the principal. I have done everything in my power to handle this matter civilly but Elan Financial Services refuses to accept my endorsed bill/ negotiable instrument to satisfy the principals account. 
As a result I am being extorted and I have not been able to fulfill my agent duties and obligations to XXXX XXXXXXXX XXXX I the agent am submitting this complaint in efforts to rectify this situation which is a direct attack on the U.S. Constitution and receive a full set off for XXXXXXXX XXXX  account for each and every billing cycle.

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