Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank, US Bancorp and XXXX XXXX XXXX, XXXX XXXX did not credit my accounts from the dividend payments that made off my Treasury Coupon. You US Bank, US Bancorp, US BANK XXXX, XXXX. and US BANK XXXX XXXX XXXX, XXXX acts as US BANCORP transfer agent and registrar, dividends paying agent.

US Bancorp/US Bank N.A closed my accounts by having my accounts over their limits and businesses accounts that are overdraft. The account numbers are XXXX and XXXX. US Bancorp and XXXX as US Bancorp transfer agent & registrar and dividend paying agent, US BANK XXXX XXXX they claim the reason why in a letter, but if Corporation can not speak why are US Bancorp / US Bank N.A sending or responding without a name who is responding. If they believe what they say why hide? CORPORATIONS CAN NOT SPEAK ANY CORRESPONDENCES " WITHOUT A NAME OF WHO IS RESPONDING WILL NOT BE ACCEPTED '' US Bancorp / US Bank N.A. I am requesting you, US Bancorp / US Bank N.A to provide All Documentary evidence on the Public and the Private side according to the GAAP the accounting principles generally accepted GAAP... On XX/XX/XXXX I sent in my payment to US Bancorp / US Bank N.A they closed my account by not processing my dividends payment and denied me access to my open-ended credit plan pursuant to 15 U.S. Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than XXXX installments or for which the payment of a finance charge is or may be required, and ( XXXX ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. My security gave consideration and secured payment, which now was stolen by US Bancorp / US Bank N.A and US BANCORP XXXX XXXX XXXX had violated the law of the United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( mail Fraud ) by returning my security through USPS without registered but US Bancorp / US Bank N.A and US Bank XXXX XXXX not return the payment I sent them a Notice of Default under 12 USC 504 ( a ) and was ignored with no respond. When they did respond it wasn't about the Notice and without a name who was responding this is so dishonorable as a director, US Bancorp / US Bank N.A, US Bank Trust N.A and US Bank XXXX XXXX XXXX my secured payment has been. 
recorded by US Bancorp, US Bank N.A and their Trustees as a book entry with the Treasury for their own personal gain. and XXXX acts as US Bancorp / US Bank N.A , Transfer agent and registrar & dividends paying agent which is collateralized by receivables generated by revolving consumers and small business credit card accounts owned by US Bancorp / US Bank N.A. I received no benefit for providing my security to US Bank N.A, which they provided to XXXX acts as US Bancorp transfer & registrar and dividends paying agent which US Bank Trust N.A and US Bank XXXX XXXX XXXX is collateralized by receivables generated by revolving consumers and small business credit card accounts owned by US Bank N.A and no remedy to solve this matter which also violates their agreement with the SEC pursuant to Securities Exchange Act of 1934 and 240.10b-5 Employment of manipulative and deceptive devices. It shall be unlawful for any person, directly or indirectly, by the use.

of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.

Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card.

and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ).

Under U.C.C. Sec 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. US Bancorp / US Bank N.A and their Trustees is double dipped by allowing fees to be repeatedly charged for the same transaction. Over a period of multiple years, US Bank N.A / US Bancorp generated substantial additional revenue by illegally charging multiple fees. My account with US Bank N.A was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful, it has caused severe harm to my reputation, my character, my mode of living and to my family! ... I need the following late payments Deleted off my Accts # XXXX, XXXX and to remove all over drafts and return all certificate of indebtedness back into accounts XXXX, XXXX. 15 USC 1666b ( a ) Time to make payments - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. A Security includes various investment, such as Bank Notes, Corporate Stocks, Municipal Bonda, Investment contracts among others if someone is involved with one of these Securities and accused of cheating, stealing, or lying in an attempt to gain a financial advantage, they could be charged. Under 18 U.S.C. 1348 Federal Securities Fraud US Bancorp / US Bank N.A and their Trustees Ignore my dispute and Notice I sent under 12 USC 504 up today they had 6 days to respond they have not as today.15 USC 1666b ( a ) Time to make payments - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late .... US BANK XXXX XXXX XXXX at XXXX XXXX XXXX XXXX / XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Bearer Payment as President said the payment, I sent, is not a bill statement or a bond or a coupon and can not be redeemed by US Bank XXXX XXXX XXXX US BANK XXXX XXXX XXXX like my instruction letter said that you received. EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum Be It Known : There must be assignment of rights interest, rents and credits on account. All future remittance on account will be grant same titles and interest of credits need to be redirected to the rightful owner and I am now revoking your rights to All my Security Interest and Proceeds and the rights to close my account and the rights to any insurance. I have included copies of the notice, and they respond some are highlighted.

US Bancorp / US Bank N.A have a fake credit card account open under my business and call it a central bill accounting the end account number is XXXX which is another way for US Bank N.A I am filing a Fraud report US Bank N.A has open a fraudulent account under my business

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