Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have attempted multiple times to fix the issues I'm having with US BANK. US BANK XXXX XXXX XXXX and also trust fraud against me. I had given the company my social and my electronic signature in order to extend them credit from my cestui que trust to give me my credit. The company took adverse action against me and did not act in their judiciary duty as Trustee. When I granted them access and made them trustees the company always has to act in my best interest and to deny me my own credit wasn't in my best interest. Also, I was told multiple times that my securitized application with be on file for 7 years so the company can continue to profit without my consent and not give me any benefit. It is unauthorized use of my credit since I had used my social security card for this consumer transaction and didn't benefit at all, but US BANK is benefiting off the securitize application. This is an unfair bill of exchange, and my consumer rights are being violated. I'm requesting the advancement to file arbitration for security fraud and trust fraud and many USC violations. 15 USC 1602 - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 USC 1602 - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. According to Federal Reserve section 16 part 1, Only the board of Governors of the Federal Reserve can deny someone and this is for all member banks and national banks. Committing XXXX XXXX is a Heavy penalty and has no statute of limitation on it. I have proved US BANK is violating me and has stated it/explained it to my case worker XXXX but she continues to ignore the laws and don't care to hear the laws that govern consumers and protect consumers. I have already revoked any POA and filed an updated one with the IRS XXXX form. Also, discriminatory practices were taken against me to help deny me credit I'm entitled to. If US BANK needs me to explain further and quote more federal laws, I can and I can explain in more detail about the infringement on my federally protected consumer rights. I request the advancement fee for arbitration so I can file for security fraud and trust fraud and consumer rights violations.

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