Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
Copy of Lawsuit being filed v. US Bancorp CEO Responsibility The responsible-corporate-officer doctrine provides that a defendant may be guilty if he or she had, by reason of his [ or her ] position in the corporation, responsibility and authority either to prevent in the first instance, or promptly to correct, the alleged violations of law. United States v. XXXX, 421 U.S. 658, 67374 ( XXXX ). Notably, the law does not require a corporate officer to be aware of wrongdoing within the company. Instead, the officer is culpable simply because he or she had the authority either to prevent or to remedy the criminal violation A final Draft of my Civil complaint will include ; Breach of Contract Violation of the FCRA & FBRA Personal injury charge, Fraud and criminal claims against the CEO XXXX XXXX I have attached a copy of the lawsuit I will be filing against XXXX XXXX and US Bancorp if the Fraud account I informed US Bancorp about on XX/XX/XXXX is not correctly updated to XXXX, XXXX  and XXXX by the end of day Monday XX/XX/XXXX US Bancorp has deliberately updated my credit report multiple times in the last 30 days with no new information, knowing full well each time my file is updated with a early date further decreases my credit score. 

Additionally, US Bancorp knowingly and willingly furnished inaccurate information to the credit Bureaus on XX/XX/XXXX that was still under investigation for fraud. Reporting information that could reasonably be fraud is a direct violation of the Federal Credit Reporting Act ( FCRA ) and the Federal Credit Billing Act ( FCBA ). 

Summary of Facts : On XX/XX/XXXX ; I filed a dispute of an account and charges claiming fraud. 

I provided an Affidavit to support my fraud claim I even identified the individual responsible The individual responsible also contacted US Bancorp admitting to their fraud and supporting my claim This individual also provided US Bank with an affidavit to support my claim and his admittance. 
After receiving these disputes along with affidavits, US Bancorp furnished the same balance they previously furnished and the total amount that was disputed to XXXX, XXXX And XXXX on XX/XX/XXXX ( See Attached ) They did this despite US Bancorps own admission that the charges and balance is under investigation and has been since XX/XX/XXXX I have made numerous documented attempts requesting US Bancorp to update my report correctly As a direct result of US Bancorps actions and willful violations, I was denied a mortgage for {$600000.00} US Bancorp is the ONLY tradeline reporting negative information on my credit reports At this point it does not matter what US Bancorp does, even if they update the information properly they have violated the law and caused me material and financial harm. 

THERE IS A STRATEGIC PURPOSE FOR FILING IN SMALL CLAIMS : 1. No attorney can represent US Bancorp in small claims, any lay person going against me will lose and I will a {$5900.00} plus award. 
2. Alternately US Bancorp will be forced to hire a firm and file a change of venue motion to either General Civil or Federal. 
3. By doing this US. Bancorp pays all the filing fees and I get to increase my complaint to either {$25000.00} in General civil or {$600000.00} ( price of the loss of home ) 4. Additionally, I will have my family member who is a partner at XXXX XXXX XXXX represent me in general civil or Federal. 

Note : inform your Ceo XXXX XXXX he will be deposed and I will be across the table assisting my attorney. 


XXXX XXXX XXXX XXXX : Chairman and Chief Executive Officer XXXX C/C XXXX XXXX : President and Chief Operating Officer XXXX C/C XXXX XXXX XXXX : Executive Vice President, Human Resources XXXX C/C XXXX XXXX XXXX : Executive Vice President and General Counsel XXXX C/C XXXX  XXXX : Vice Chairman and Chief Risk Officer XXXX usbank.com

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