Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NJ

Complaint narrative:
The bank received full payment for the obligation via investor funds, insurance claims, or government backed securities, yet continued to misrepresent the balance as due and owing. 

XXXX XXXX, 2023 - Revocation of Signature, Revocation of POA, Fiduciary Appointment, Validation of Debt, copy of XXXX XX/XX/XXXX, XXXX OF TRUTH, second copy of previous, XX/XX/XXXX, XXXX copy of previous, RESPA QUALIFIED WRITTEN REQUEST, TILA REQUEST, DISPUTE OF DEBT AND DEBT VALIDATION LETTER, Notice of Intent Fee Schedule XX/XX/XXXX, XXXXSame as above with Conditional Acceptance, Affidavit of Trademark/Copyright, Affidavit of Power of Attorney in Fact XX/XX/XXXX, XXXX Same as previous with XXXX Conditional Acceptance/Opportunity to Cure XXXX XXXX, XXXX as above with XXXX Conditional Acceptance/Default XX/XX/XXXX, XXXX, Rescind, Cancel Note, Affidavit of Title XXXX XXXX XXXX XXXX XXXX Durable POA XXXX. XXXX, XXXXNotice of Claim to Interest, XX/XX/XXXX, XXXX Notice of Claim to Interest/Opportunity to Cure XX/XX/XXXX XXXX XXXX Notice of Claim to Interest/Default XXXX XXXX XXXX XXXX General Executor Letter , Certificate of Assumed Name, Cancellation of all Prior Powers of Attorney, Deed of Reconveyance, XXXX XXXX, XXXX Intent to Sue The mortgage was paid before you made the first payment that's right the debt also the United States of America ; that's 12 USC 95 A. The bank didnt loan the money. The lender got it from the Federal Reserve the Federal Reserve gave U.S. Bank a credit and then they brokered the loan to me. 

There are broken chains of title. Request status to do an in depth analysis of all mortgage documents AKA forensic audit in your possession to investigate and identify many other areas that are likely to provide information. 

On the secondary stock market where mortgage-backed securities are being sold, the mortgage and the promissory note can not be separated. If they are separated which is what happened in the securitization when it's being sold on the secondary market, that makes the mortgage is void. 

THIS CASE CONCERNS A FRAUDULENT BANKING SCHEME IN WHICH MORTGAGE COMPANY ENGAGED IN DECEPTIVE FINANCIAL PRACTICES BY MISREPRESENTING THE NATURE OF A PURPORTED LOAN, UNLAWFULLY MONETIZING THE PROMISSORY NOTE, AND FAILING TO CREDIT XXXX XXXX FOR FUNDS LEGALLY OWED UNDER BANKING REGULATIONS. 

KNOWINGLY CONCEALED MATERIAL FINANCIAL TRANSACTIONS, INCLUDING THE CONVERSION OF THE PROMISSORY NOTE INTO A BANK ASSET AND THE CORRESPONDING DEPOSIT LIABILITY HELD IN XXXX XXXX NAME. 

DESPITE BEING PAID IN FULL THROUGH SECURITIZATION AND OFF BALANCE SHEET ACTIVITIES, CONTINUED TO COLLECT ON A DEBT THEY NO LONGER HAVE LEGAL STANDINGS TO ENFORCE IN VIOLATION OF 12 U.S.C. 503, 12 U.S.C. 1847, AND 18 U.S.C. 1005. 

XXXX OF THE BANK IS RESPONSIBLE FOR OVERSEEING FRAUDULENT TRANSACTIONS. 

U.S. BANK 'S LAW FIRM IS THE LEGAL REPRESENTATIVE IS ATTEMPTING UNLAWFUL ENFORCEMENT ON A NONEXISTENT LOAN. 

THIS CONSTITUTES FRAUDULENT DOUBLE DIPPING AND UNJUST ENRICHMENT, IN VIOLATION OF 12 U.S.C. 503 AND 18 U.S.C. 1005.

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