Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, US Bancorp sent me a legal notice stating that they were going to foreclose on my home. However, the problem is that I have already paid my mortgage off in full. They are breaking 31 USC 5118 by attaching a " Gold Clause '' to a note. The letter below was sent to US Bancorp proving the laws they are breaking. 

US Bancorp XXXX XXXX XXXX XXXX XXXX  XXXX US Attention : Chief Accountable Public Officer Via Certified Mail : XXXX XXXX XXXX XXXX XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer , Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/XXXX there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by US Bancorp as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences US Bancorps violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from US Bancorp within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by U S Bancorp ( 15 USC 1666 XXXX b ) ( 1 ) ).

2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by US Bancorp in substitution thereof per 15 USC 1642.

3. Statements fail to reflect proper payment made to US Bancorp by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ). 

This notice is based upon the attached documentary evidence. 

Trustee/Attorney requests following documentary evidence to support US Bancorps claims that You extended credit to obligor, and that any presumed assignment of future payment rights to US Bancorp under any power of attorney, whether express or implied is not void. 

It Is So Ordered. It Is So Ordered. It Is So Ordered. 

/s/, Trustee By : __________________________, Attorney/Heir In fidelity. 
Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in XXXX in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : US Bancorp 270 XXXX XXXX XXXX MN XXXX XXXX Attention XXXX Chief Accountable Public Officer VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXffiant In XXXX. 

US Bancorp receive this legal notice from me via USPS XXXX Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Bancorp is currently extorting me for a payment they have already received. Please assist.

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