Consumer complaint received 2015-06-07
Company: U.S. BANCORP
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My complaint is against XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) for use of deceptive practices to collect an alleged debt. US Bank was the XXXX owner, then XXXX XXXX XXXX, then XXXX and finally sold to XXXX XXXX. I received a letter from XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX trying to collect an alleged debt. I disputed both times. XXXX XXXX filed a lawsuit XXXX/XXXX/XXXX with unauthenticated, robo-signed, missing and defective documents and won summary judgment XXXX/XXXX/XXXX. I hired a lawyer ( XXXX XXXX ) who got the judgment vacated ( XXXX/XXXX/XXXX ) due to lack of standing, missing and defective documents. 
XXXX XXXX, XXXX, XXXX XXXX filed a XXXX motion for summary judgment against me with the same unauthenticated documents, robo-signed documents, missing and defective documents. 
After researching, I found that the signature on Bill of Sale by US Bank appears to be robo-signed. " XXXX XXXX XXXX '' VP of Loss and Prevention signature is on the Bill of Sale between US Bank and XXXX XXXX XXXX , XXXX. This Bill of Sale is IDENTICAL to Bill of Sales in other cases ( Court documents can be supplied on request ). XXXX XXXX XXXX 's signature on the US Bank 's Bill of Sale supplied by XXXX XXXX does not match his signature on a Forward Flow Assets Agreement between US Bank and XXXX XXXX, XXXX. The robo-signing of U.S. Bank 's Bill of Sales have resulted in inaccurate court affidavits and pleadingsXXXX XXXX XXXX representing XXXX XXXX XXXX , XXXX signed the Bill of Sale between XXXX XXXX XXXX , XXXX and XXXX. XXXX XXXX XXXX signed as Vice President of XXXX and actually is and was President and Secretary of XXXX. 
XXXX XXXX XXXX of XXXX & XXXX representing XXXX XXXX XXXX signed Bill of Sale between XXXX and XXXX XXXX. XXXX XXXX also has signed as VP of Sales and Marking for XXXX XXXX XXXX. Her signature is different on every document that I obtained ( documents can be supplied on request ). 
XXXX submitted an unauthenticated Affidavit of Debt from US Bank by XXXX XXXX XXXX XXXX that does n't meet XXXX State laws. Also, the Affiant, XXXX XXXX XXXX, does not describe how he has personal knowledge of the company 's daily operations. He does n't describe why there are XXXX credit card statements and what happen to the rest. He does n't describe how he has personal knowledge when payments are sent to XXXX XXXX, XXXX and inquiries are mailed to XXXX, XXXX. Also. He ca n't authenticate the amount of the debt and how it was calculated. He ca n't provide documentation of the amount of the last payment as required by XXXX Law. Also, he can not provide last statement which shows what is owed on the alleged debt. The unauthenticated Affidavit of Debt is inadmissible and XXXX XXXX knowingly continues to submit it the court. 
Also, XXXX XXXX ' Affiant states he has personal knowledge of how US Bank maintain its business record. In fact, XXXX ' Affiant has never worked for US Bank and does n't know how US Bank keeps its business records. 
XXXX XXXX have brought a lawsuit against me XXXX violating Federal and State laws to prove Chain of Title by using defective affidavits, robo-signed affidavits and forged signatures. 

I will submit documentation of robo-signing, and forged signatures by certified US mail upon request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation