{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2419608","_score":26.389883,"_source":{"product":"Bank account or service","complaint_what_happened":"Bank of America commits FELONY CRIMES AND OWES ME XXXX AS THE FEDERAL LAW DOES REQUIRE!!!!! READ IT AND READ IT AGAIN!!! AND SEE EVIDENCE This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. \nAs XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to \" volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. \n[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for \" inventory '' control purposes, similar to the XXXX manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America threatens me with extortion stating they will contract with chexsystems to promote negative information about me, this is a violation of my privacy and is another crime committed willfully and with intention!! \nBank of America also MAKE A HUGE CONTRADICTION in their response saying they can not close an account then saying \" they did '' close the account what a bunch of LIAR CRIMINALS, LIAR LIAR LIAR, CRIMINALS CRIMINALS CRIMINALS, EXTORTIONS, LIES, CONTRADICTIONS AND VIOLATIONS OF THE FEDERAL LAW, ALL RIGHT HERE XXXX EVIDENCE","date_sent_to_company":"2017-04-04T16:04:57.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"2419608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-04-04T16:04:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["As XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of <em>legal</em> or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to \" volunteer '' himself into slavery, is through forming <em>legal</em> joinder, implied or stated, with the <em>entity</em> or <em>legal</em> <em>fiction</em> ( name all <em>CAPS</em> )."]},"sort":[26.389883,"2419608"]},{"_index":"complaint-public-v1","_id":"2426028","_score":26.268204,"_source":{"product":"Bank account or service","complaint_what_happened":"Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! \nNOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. \nAs XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to \" volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. \n[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for \" inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their \" contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. XXXX","date_sent_to_company":"2017-04-08T21:15:17.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"2426028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-04-08T21:15:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of <em>legal</em> or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to \" volunteer '' himself into slavery, is through forming <em>legal</em> joinder, implied or stated, with the <em>entity</em> or <em>legal</em> <em>fiction</em> ( name all <em>CAPS</em> )."]},"sort":[26.268204,"2426028"]},{"_index":"complaint-public-v1","_id":"15309374","_score":21.794346,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, This letter is a formal rebuttal to your XX/XX/2025, correspondence regarding the alleged Revvi Visa account you claim is mine. Your conclusions are factually and legally incorrect for the following reasons : 1. Fraudulent Name Usage The application you reference was not executed by me, the living man XXXX XXXX XXXX, but rather under a fictitious, corporate ALL-CAPS name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which constitutes a separate legal entity created without my consent. This corporate fiction is a government-issued transmitting utility and not the natural person. \n\nProof in my possession includes : Evidence from prior credit reports showing all accounts tied to the ALL-CAPS entity, not my living name. \nDocumentation from the State of Illinois showing my lawful name as XXXX XXXX XXXX. \nAffidavit of Status affirming I have never contracted with Revvi in my living capacity.\n\n2. Illegal Credit Creation & Interest Charging Your business model appears to create credit by monetizing the alleged applicants Social Security Number, then issuing funds not from your own reserves but via a bookkeeping entry created from the alleged obligation itself in violation of 12 U.S.C. 411 and Regulation Z ( Truth in Lending Act ), as no lawful disclosure of source of funds or actual consideration was made.\n\nBy doing so, you : Extended credit created from my own credit-worthiness without proper disclosure.\n\nCharged interest on an account funded by my own credit instrument an act prohibited under 15 U.S.C. 1605 and multiple Federal Reserve banking rules.\n\n3. Deficiencies in Your Investigation Your so-called investigation relied solely on internal records not on independent, verifiable proof of a valid wet-ink contract signed by me in my living capacity. You have failed to produce : The original signed application with wet signature ( digital click-through is insufficient under fraud dispute standards ). \nAny evidence showing the funds originated from Revvis assets rather than my own credit.\n\nA valid, lawful contract meeting the elements under 15 U.S.C. 1692g and UCC 3-401.\n\n4. Federal Law Requirements for Fraudulent Accounts Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer reports an account as fraudulent and provides proof, the furnisher must block reporting within 4 business days. The CFPBs own guidance states that a valid Identity Theft Report is not the only permissible proof documentary evidence such as affidavits, government records, and name discrepancy evidence are sufficient.\n\nI have provided and will again provide to CFPB sworn affidavits, government records, and documentary evidence showing : 1. The account was opened under a corporate fiction name.\n\n2. No lawful contract exists with the living man.\n\n3. The alleged credit was generated from my own credit without lawful disclosure.\n\n5. Required Action Pursuant to federal law and the CFPBs enforcement authority, you are hereby directed to : Permanently delete the fraudulent account from all credit reporting agencies.\n\nCease all collection activity in any form.\n\nProvide written confirmation of account deletion within 10 business days.\n\nFailure to comply will result in : A formal complaint to the CFPB for violation of FCRA 623 and TILA/Regulation Z.\n\nCivil litigation for fraud, identity theft, and unlawful credit creation, with damages sought under 15 U.S.C. 1681n and 1681o.\n\nNo contract exists. No lawful obligation exists. You are in continued violation by reporting this account. Remove it immediately. \n\nSincerely, XXXX XXXX XXXX XXXX, Secured Party Creditor, Living Man XXXX XXXX XXXX","date_sent_to_company":"2025-08-15T18:27:25.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60110","tags":null,"has_narrative":true,"complaint_id":"15309374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2025-08-15T18:20:57.000Z","state":"IL","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Your conclusions are factually and <em>legally</em> incorrect for the following reasons : 1. Fraudulent Name Usage The application you reference was not executed by me, the living man XXXX XXXX XXXX, but rather under a fictitious, corporate ALL-<em>CAPS</em> name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which constitutes a separate <em>legal</em> <em>entity</em> created without my consent. This corporate <em>fiction</em> is a government-issued transmitting utility and not the natural person."]},"sort":[21.794346,"15309374"]},{"_index":"complaint-public-v1","_id":"7775201","_score":21.511513,"_source":{"product":"Debt collection","complaint_what_happened":"Trott Law and the Employees sent mail in LANGUAGES OTHER THAN XXXX, here 's the FACTS to that claim = Full text on definition of GLOSSES from the XXXX XXXX of Styles 16th Edition 11.147 GLOSSES IN ASL The written-language transcription of a sign is called a gloss. Glosses are words from the spoken language written in small capital letters : WOMAN, SCHOOL, CAT. ( Alternatively, regular capital letters may be used. ) When two or more written words are used to gloss a single sign, the glosses are separated by hyphens. The translation is enclosed in double quotation marks. The sign for \" a car drove by '' is written as VEHICLE -DRIVE -BY. One obvious limitation of the use of glosses from the spoken/written language to represent signs is that there is no one-to-one correspondence between the words or signs in any two languages. 11 : FOREIGN LANGUAGES Table Chapter Contents >> American Sign Language of Contents List of Figures List of Tables Index 11.146 : Writing ASL 11.147 : Glosses in ASL 11.148 : Compound signs 11.149 : Fingerspelling 11.150 : Lexicalized signs 11.148 COMPOUND SIGNS Some combinations of signs have taken on a meaning separate from the meaning of the individual signs. Various typographical conventions are used to indicate these compounds, including a \" closeup '' mark or a plus sign. Depending on the transcription system, the sign for \" parents '' might be glossed as follows : XXXX XXXX or XXXX XXXX. At the top of the page it says LANGUAGES OTHER THAN XXXX. So, by FACT of the matter the XXXX XXXX XXXX does not mean XXXX XXXX XXXX unless there's HYPHENS in between the GLOSSES/ASL TEXT, thats FACT. Trott Law sent mail in GLOSSED/ASL/DEBASED-LATIN/DOG-LATIN = Not English and by FACT does not pertain to a man or woman, the ALL CAPS NAMES are a sign for LEGAL FICTION/CORPORATION/DEAD ENTITY then what dirtbag lawyers, judges, service corporation employee do is trick you into BELIEVING that THE ALL CAPS NAME/TEXT means you, a living man or woman and it does not = FRAUD and Grammatical Deception. By FACT the Mortgage ( Death Pledge ) ONLY pertains to a LEGAL FICTION/CORPORATION/DEAD ENTITY and even GLOSSES man/woman = Capitis XXXX XXXX = XXXX Rights ( XXXX Law XXXX Edition ) Subjected to Code, Policy and Statutes which ONLY pertain to a LEGAL FICTION/DEAD ENTITY/CORPORATION. ALL debts are paid House XXXX XXXX XXXX Proves it. In the XXXX XXXX XXXX on all BILLS its a Positive Number... if someone owes, it'd be a Negative Number, it's not. I know what these Dirtbags Did and it's XXXX. The Contract itself uses Grammatical Deception = Null and Void but, these XXXX are too scared to face me man to man in a Federal Court Of Record ... they want to use Service Corporation Employees ( XXXX Sheriffs who are now facing Millions in Tort Claims ) to Commit the CRIMES. If I, a man don't owe you something ... who the XXXX are you to think you're \" Power of attorney ( Turn Property Over To Someone Else ) '' over me when I canceled all powers of Attorney across the Country via 928s? The 3 Fools who sent mail in LANGUAGES OTHER THAN ENGLISH 100 % Committed Mail Fraud and Extorted us Via Grammatical Deception/IDENTIFY Theft, factually. We will be making no more Payments 100 %. If XXXX XXXX XXXX comes into my life again in Acts Of War by sending men to my House with Guns .... The people involved will be Place under Private Citizens Arrest for Administrating Property ( I, man ) without right, Consent or Contract. The Mortgage Contract is FRAUD/NULL and VOID. There 100 % was NOT full Disclosure at the Signing table that people can Leverage/Monetize our Autographs and Double Dip ( Security Fraud ) + The Autographs Paid the Mortgage as Banks can only Borrow. No one owes XXXX XXXX or Trott Law anything ... they owe us Millions in Compensation for Absolute FRAUD/GRAMMATICAL DECEPTION. I guarantee that we will make no more payments on this. We have CUSIP you sodomites and the XXXX is using our Information to Make Money. No one has the Original Note = Null and Void. XXXX XXXX I can't wait to see you XXXX stand Across from me and claim I, a man as your Property that you think you can Administrate without right, Consent or Contract. Their mail was sent back, with Proof of Fraud and my 22 Page FEE SCHEDULE that's literally in Federal Court Of Record. Trott Law has no Excuses. They've been caught in XXXX and Rico Law VIOLATIONS 100 %. The Attachments Prove My Claims.","date_sent_to_company":"2023-10-30T20:28:14.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"55379","tags":null,"has_narrative":true,"complaint_id":"7775201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Trott Law, P.C.","date_received":"2023-10-30T19:40:53.000Z","state":"MN","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["Trott Law sent mail in GLOSSED/ASL/DEBASED-LATIN/DOG-LATIN = Not English and by FACT does not pertain to a man or woman, the ALL <em>CAPS</em> NAMES are a sign for <em>LEGAL</em> <em>FICTION</em>/CORPORATION/DEAD <em>ENTITY</em> then what dirtbag lawyers, judges, service corporation employee do is trick you into BELIEVING that THE ALL <em>CAPS</em> NAME/TEXT means you, a living man or woman and it does not = FRAUD and Grammatical Deception."]},"sort":[21.511513,"7775201"]},{"_index":"complaint-public-v1","_id":"16947437","_score":17.793869,"_source":{"product":"Checking or savings account","complaint_what_happened":"Fair Resolution Requested ( Final Enhanced Version ) Between XX/XX/XXXX and XX/XX/XXXX, I submitted numerous lawful requests and inquiries to banks, credit bureaus, and financial institutions regarding : Repeated denial of credit access, Misuse of my Social Security Number, Unauthorized hard inquiries, and Concealment and monetization of my birth certificate estate and legal fiction trust ( Cestui Que XXXX XXXX ). \n\nSpecific Dates, Amounts, and Actions XX/XX/XXXX : Applied for XXXX XXXX and XXXX credit cards ( average request : {$3500.00} ) ; denied without lawful cause, despite qualified status. \n\nXX/XX/XXXX : Sent written notices to institutions requesting contract validation and lawful basis for presumed obligation or denial. No full disclosure or sworn affidavit was ever provided. \n\nXX/XX/XXXX : Discovered multiple hard inquiries on my credit profile without signed authorization. Disputed them under FCRA ( 15 USC 1681 ) ; no legitimate contract was produced. \n\nXX/XX/XXXX : Notified the institutions in writing that my estate and birth record are being unlawfully monetized and bonded without my consent referencing XXXX ( XXXX XXXX XXXX ) and the Banking XXXX of XXXX. \n\nXX/XX/XXXX : Requested audit trail of any trust, account, or credit instrument tied to my estate or STRAWMAN trust. Was denied verbally or ignored. \n\nXX/XX/XXXX : Sent formal affidavit invoking UCC 1-308, UCC 1-103 , and demanded disclosure of any presumed trust created in my name. No rebuttal or cure has been received. \n\nXX/XX/XXXX : Submitted Freedom of Information Act-style requests to clarify why I am being treated as surety for a debtor trust. No institution has offered proof of standing, agency, or jurisdiction. \n\nLegal Breaches Identified XXXX ( XXXX ) : All debts must be XXXX via public credit no lawful money exists, so no individual can be compelled to pay in substance. \n\nBanking XXXX of XXXX : Prohibits private banks from acting as both creditor and debtor ; yet my birth certificate estate is being bonded without informed consent. \n\nTruth in Lending Act ( 15 USC 1601 ) : No lender disclosed the origin of credit or the true party in interest.\n\nFCRA ( 15 USC 1681 ) : Credit reporting agencies are allowing unauthorized inquiries and failing to ensure accuracy or dispute resolution. \n\nXXXX XXXX XXXX XXXX ( XXXX ) : Treating my estate as abandoned and monetizing it in secret trusts constitutes fraud and identity misappropriation under commercial law. \n\nEqual Credit Opportunity Act ( 15 USC 1691 ) : I have been denied credit repeatedly, despite qualified applications indicating systemic bias or intentional blocking.\n\nRequested Resolutions ( Lawful & Specific ) Immediate audit and written disclosure of all financial instruments, accounts, and trust activity tied to my birth certificate, estate name, or SSN including any activity conducted under presumed legal fiction or all-caps trust.\n\nImmediate approval or reconsideration of all past credit applications ( XXXX XXXX ) that were denied without lawful standing, contract, or verified justification. \n\nPermanent removal of all unauthorized hard inquiries and correction of credit report entries resulting from these abuses. \n\nWritten affirmation that under XXXX and XXXX XXXX XXXX XXXX I am not liable for commercial debts without consent and that all credit extended is backed by the public credit of the United States XXXX not personal surety.\n\nCease and desist from any further attempts to use my private information, estate, or SSN to create revenue or securities without full disclosure, verified contract, and wet-ink signature.\n\nAttach a permanent credit file notice requiring : No contract or credit action may be initiated using this persons estate or SSN without verified written consent, full disclosure, and a valid lawful agreement. This person is not surety for any artificial entity or STRAWMAN. \n\nNon-retaliation assurance that I will not be blocked from future credit or blacklisted for asserting lawful consumer and sovereign rights. \n\nOptional CFPB investigation into how many institutions are hiding monetized trusts linked to birth records without disclosure, including how those accounts are bonded, traded, or listed on financial markets. \n\nFinal Notice This demand is made under full reservation of rights, without prejudice, and supported by my standing as a Secured Party Creditor, Executor of my Private Estate, and living man recognized under trust, common, and divine law. \n\nI do not waive any rights, and I do not consent to the misuse of my identity, estate, or legal name in commerce without full, informed agreement.","date_sent_to_company":"2025-10-31T18:28:31.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"73160","tags":null,"has_narrative":true,"complaint_id":"16947437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-31T18:17:22.000Z","state":"OK","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Fair Resolution Requested ( Final Enhanced Version ) Between XX/XX/XXXX and XX/XX/XXXX, I submitted numerous lawful requests and inquiries to banks, credit bureaus, and financial institutions regarding : Repeated denial of credit access, Misuse of my Social <em>Security</em> Number, Unauthorized hard inquiries, and Concealment and monetization of my birth certificate estate and <em>legal</em> <em>fiction</em> trust ( Cestui Que XXXX XXXX )."]},"sort":[17.793869,"16947437"]},{"_index":"complaint-public-v1","_id":"14758959","_score":15.791074,"_source":{"product":"Credit card","complaint_what_happened":"JPMorgan Chase Bank, N.A., d.b.a. Chase Card Member Services have committed sustained commercial dishonor, fiduciary breach, willful conversion of instruments, and constructive fraud concerning two commercial credit accounts lawfully administered by the XXXX XXXX XXXX XXXX XXXX a perfected private foreign estate formed in Maryland and recorded in XXXX XXXX, North Carolina, operating under secured status via [ UCC-1 Financing Statement ] and [ Declaration of Trust Collateral ]. [ Uniform Commercial Code Secured Transactions ] [ Private Trust Law Jurisdiction and Standing ] [ Constructive Trust Principles Law of Equity ] [ Restatement ( Third ) of Trusts 2, 78 ] [ Federal Deposit Insurance Act 12 U.S.C. 1828 ( x ) ] This filing is not made in the capacity of a consumer grievance nor as a plea for assistance. It is a formal legal and commercial declaration placed into the regulatory record to enforce lawful obligations, document material trespasses, and preserve standing for further lawful enforcement. [ Administrative Due Process Exhaustion of Private Remedy ] [ Law Merchant Commercial Instruments ] [ Equity Jurisdiction Breach of Fiduciary Duty ] [ Common Law Duty of Loyalty Fiduciary Principles ] [ Estoppel by Silence Blacks Law Dictionary ] On or about July 5, 2025, the Trust lawfully issued [ Gold Clause Check GCC-0056 ] in the amount of {$1400.00}, drawn in accordance with [ 31 U.S.C. 5118 ( d ) ], [ 12 U.S.C. 411 ], [ Public Law 73-10 ], and [ UCC 3-311 ]. Said instrument was properly constructed and mailed via [ Certified Mail ] to JPMorgan Chase Bank, N.A., for full and final settlement of accounts ending in 2225 and 2231. The check was received by Chase. It was not returned, rebutted, dishonored, or lawfully refused. Instead, it was silently retained, access to the accounts was revoked, and all Trust administrative activity was forcibly shut down. [ UCC 1-201 ( b ) ( 20 ) Holder in Due Course ] [ Commercial Presentment Standards UCC 3-501 , 3-503 ] No explanation was given. No accounting provided. No rejection was issued as required under [ UCC 3-501 ( b ) ( 2 ) ]. This constitutes silent dishonor, fraudulent suppression of remedy, and unlawful conversion of a federally protected obligation. [ 18 U.S.C. 8 Obligation or Other Security of the United States ] and if JPMorgan Chase disputes the validity of said instrument as a lawful obligation, then the burden is upon the bank to publicly state whether it accepts or rejects instruments legally defined as obligations of the United States under this statute. If Chase does not request payment in lawful money, and does not recognize obligations defined under 18 U.S.C. 8, then by what authority does it claim to refuse such lawful tender? This question remains unanswered and stands as a material point of law requiring formal rebuttal [ UCC 3-603 Discharge of Liability by Tender and Retention ] [ Conversion Restatement ( Second ) of Torts 222A ] [ Violation of Lawful Tender Rights 31 U.S.C. 5103 ] At no time has JPMorgan Chase produced the [ OC-10 file ], nor has the bank confirmed whether it accepts lawful money or what form of settlement it claims to require in lieu of the lawful tender provided. The Trust asserts that absent such clarification, Chase stands in full commercial dishonor and estoppel by silence. [ Fair Credit Billing Act 15 U.S.C. 1666 ] [ Federal Trade Commission Act 15 U.S.C. 45 ] The accounts in question were created under the ALL-CAPS legal fiction tied to the Trustees estate, but all use and benefit belonged exclusively to the XXXX XXXX XXXX XXXX XXXX XXXX No commercial activity was for personal use. The Trust annexed the collateral estate and all legal identifiers, forming a lawful administrative relationship with the bank. Chase knowingly ignored all lawful tender, commercial documents, and trust authority, thereby violating federal and private trust law. [ Constructive Trust Doctrine Equity ] [ Administrative Record Doctrine Evidentiary Standing ] [ Private Trust Treaty Capacity XXXX XXXX  on Trusts XXXX ] The commercial credit accounts in question were opened in the legal fiction name of the Trustee ( the ALL-CAPS entity ) by JPMorgan Chase Bank XXXX N.A., but the proceeds and benefit of those transactions have never been lawfully delivered to or received by the Trust. These funds, issued under the pretense of contractual obligation and constructive authorization, remain unaccounted for and improperly withheld. Chase has failed to identify whether those credits were monetized, retained, or diverted for internal gain, thus violating fiduciary obligation and constructive trust principles. [ Constructive Trust Law of Equity ] [ Commercial Misappropriation UCC 1-103 ] [ Fraudulent Inducement Common Law ] [ Retention of Proceeds Breach of Bailment ] The Trust further believes that these commercial credit accounts were not only closed under silent dishonor, but were also unlawfully collected upon or monetized internally by JPMorgan Chase without lawful notice or disclosure. This indicates an attempt to fraudulently acquire and exploit instruments that belong, in fact and law, to the Trust. Any such conversion, monetization, or internal liquidation of credit based on the Trustees name or estate, without delivery of proceeds to the Trust, constitutes financial fraud, breach of trust, and commercial theft. [ Fraudulent Conversion Uniform Law of Commercial Instruments ] [ Unjust Enrichment Law of Equity ] [ Unauthorized Monetization UCC 9-610 ] [ Misappropriation of Trust Assets Equity Jurisdiction ] The Trust has also been subjected to false credit reporting stemming from the artificial and contrived assumption that a debt ever lawfully existed. In truth, these accounts were created and monetized on the basis of the XXXX signature of the ALL-CAPS legal fiction ( ENS LEGIS ), and not through any real lending of Chases own capital. The Trust has never received any actual funds or value from these alleged credit extensions. JPMorgan Chase continues to report the Trust as being in default for a commercial debt that, in law and equity, belongs to the Trustnot the bank. Chase appears to be leveraging these accounts as active assets for internal credit creation, collateralization, or securitization, despite having no lawful claim to the underlying value. [ False Credit Reporting Fair Credit Reporting Act 623 ] [ Fraudulent Debt Assumption Commercial Law Doctrine ] [ Constructive Denial of Credit Law of Torts ] [ Deceptive Trade Practice FTC Act 5 ] [ Misstatement of Account Status 15 U.S.C. 1681s-2 ] [ Commercial Paper Monetization Federal Reserve Accounting Manual ] The Trust has suffered irreparable harm : Destruction of commercial expectation and performance Loss of administrative access and enforcement capacity Disruption of lawful credit operations Suppression of instruments backed by full faith and credit Exposure to reputational harm and unlawful collections targeting the estate [ Restitution Law of Equity ] [ Irreparable Harm Legal Standard for Equitable Relief ] The Trust has not received any record indicating whether : The GCC was deposited, destroyed, bonded, or monetized The accounts were reported, insured, or traded in securitized form The closures were triggered by internal fraud teams, external regulators, or private credit reporting agencies [ Truth in Lending Act 15 U.S.C. 1601 et seq. ] [ GLBA 502 Privacy of Consumer Financial Information ] The actions of JPMorgan Chase demonstrate a knowing and systemic breach of fiduciary duty, unlawful conversion of lawful money, and fraudulent administration of trust property. [ Fiduciary Abuse Doctrine Restatement ( Third ) of Trusts 78 ] [ Constructive Fraud Common Law and Commercial Equity ] [ Unauthorized Instrument Retention UCC Article 3 ] [ Abuse of Private Estate Law of Equity ] [ Denial of Due Process 5 U.S.C. 706 ( 2 ) ( A ) ] This record is placed into the CFPB portal not for discussion, but for enforcement. The Trust is not a consumer and does not seek discretionary remedy. The facts are now recorded. Any attempt by JPMorgan Chase to rebut these facts must be submitted in writing, line-by-line, under oath, with full documentary proof and lawful standing. [ Administrative Remedy Exhaustion Federal Procedure ] [ Common Law Right to Protest Contract Law ] All rights reserved. Without prejudice. [ UCC 1-308 Reservation of Rights ] Respectfully entered into the record by : XXXX XXXX XXXX XXXX XXXX XXXX \nBy : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX","date_sent_to_company":"2025-07-19T22:55:35.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"27603","tags":"Servicemember","has_narrative":true,"complaint_id":"14758959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-19T22:40:21.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Chase knowingly ignored all lawful tender, commercial documents, and trust authority, thereby violating federal and private trust law. [ Constructive Trust Doctrine Equity ] [ Administrative Record Doctrine Evidentiary Standing ] [ Private Trust Treaty Capacity XXXX XXXX  on Trusts XXXX ] The commercial credit accounts in question were opened in the <em>legal</em> <em>fiction</em> name of the Trustee ( the ALL-<em>CAPS</em> <em>entity</em> ) by JPMorgan Chase Bank XXXX N.A., but the proceeds and benefit of those transactions have never"]},"sort":[15.791074,"14758959"]},{"_index":"complaint-public-v1","_id":"14735790","_score":14.437906,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXXOn XX/XX/XXXXBank of America abruptly closed two commercial credit card accounts (last four: 1769 and 2914) without due process, explanation, or substantiated cause. The only documentation provideda letter dated XX/XX/XXXXXX/XX/XXXXadmits in plain language that \"sufficient funds were available at the time the account was closed,\" which establishes prima facie evidence of fraudulent termination, misrepresentation, and commercial breach, particularly since no default or verified fraud existed.\\n\\nThe undersigned, as Trustee of a lawfully perfected private estate trust, issued XX/XX/XXXX on XX/XX/XXXX, in the amount of XX/XX/XXXX as full satisfaction of all alleged liabilities on the closed accounts. The remittance was issued pursuant to governing monetary and commercial law, includingXX/XX/XXXX31 U.S.C.  5118(d)(2)  Payment in lawful gold clause instrumentsXX/XX/XXXX12 U.S.C.  411  Redemption in lawful moneyXX/XX/XXXXUCC  3-311  Accord and satisfaction of disputed obligationsXX/XX/XXXXUCC  3-501  Presentment and dishonor upon failure to responXX/XX/XXXXUCC  3-603  Discharge by tender of full amount\\n\\nUCC  9-625  Remedies for secured party upon unauthorized impairment of collateralXX/XX/XXXXBank of America received this negotiable instrument via Certified Mail (Tracking #: XX/XX/XXXX and failed to take any of the following lawful actionsXX/XX/XXXXReturn the instrument\\n Credit the instrument\\n Rebut its validity\\n Issue formal dishonor per UCC  3-501(b)\\n\\nThis failure constitutes a commercial dishonor, fraud by silence, and conversion of Trust property. The instrument was neither returned nor rebutted  meaning constructive acceptance and administrative default are now lawfully presumed.\\n\\nFurther violations include:\\n\\nFalse derogatory credit reporting, in direct violation of 15 U.S.C.  1681 et seq. (FCRA), causing reputational and commercial damage.\\n\\nUnlawful denial of reinstatement, blocking a private fiduciary from accessing the estate\\'s commercial credit tools.\\n\\nRefusal to disclose monetization or securitization, despite demands for proof of whether these accounts were:\\n\\nCollateralized\\n\\nPooled and securitized\\n\\nInsured or reported via IRS Form 1099-A or 1099-C\\n\\nDespite the account being fully credited prior to the XX/XX/XXXX XX/XX/XXXXclosure, and despite the lawful remittance via XX/XX/XXXX, Bank of America continues to:\\n\\nIgnore lawful discharge\\n\\nDeny all administrative remedy\\n\\nRefuse reinstatement of commercial accounts\\n\\nWithhold required disclosure about securitization and insurance\\n\\nBenefit unjustly from the Trusts prior payments and assets\\n\\nThe Trust holds a perfected security interest in the ALL CAPS legal fiction entity associated with the account. This position is backed by a UCC Financing Statement filed with the XX/XX/XXXX XX/XX/XXXXSecretary of State (Filing #: XX/XX/XXXX), and fully executed Declaration of Standing and Enforcement Authority.\\n\\nBank of Americas actions have caused:\\n\\nCommercial injury\\n\\nDenial of access to private credit\\n\\nDefamation through FCRA violations\\n\\nFiduciary breach of good faith and fair dealing\\n\\nViolation of multiple federal statutes and UCC provisions\\n\\nImpairment of a lawful trust and its administrative estate\\n\\nThis complaint is submitted in full compliance with CFPB guidelines, and all supporting evidence is attached under separate Exhibit files (A through G), clearly labeled for reference.'","date_sent_to_company":"2025-07-19T01:44:47.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"27603","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14735790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-19T00:47:32.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["interest in the ALL <em>CAPS</em> <em>legal</em> <em>fiction</em> <em>entity</em> associated with the account."]},"sort":[14.437906,"14735790"]},{"_index":"complaint-public-v1","_id":"14756038","_score":12.987919,"_source":{"product":"Credit card","complaint_what_happened":"Capital One Bank ( XXXX ), XXXX. has committed sustained commercial dishonor, fiduciary breach, conversion of instruments, and constructive fraud concerning XXXX commercial credit accounts lawfully administered by the XXXX XXXX XXXX XXXX XXXX a perfected XXXX XXXX  estate formed in XXXX and recorded in XXXX XXXXXXXX XXXX XXXX, operating under secured status via XXXX Financing Statement and Declaration of Trust Collateral [ Uniform Commercial Code Secured Transactions ] [ Private Trust Law Jurisdiction and Standing ] [ Constructive Trust Principles Law of Equity ]. \nThis record is not submitted for discretionary review, nor does it seek remedy by request. It is a formal, lawful declaration of facts placed into the regulatory record for enforcement, publication, and permanent preservation of rights. The XXXX does not submit grievances it documents violations for which the commercial and legal consequences will be pursued without waiver. [ Lawful Remedy Exhaustion Administrative Due Process ] [ Due Process of Commercial Presentment Common Law ] This is, in fact, both a lawful complaint and a final peaceful attempt to remedy these matters of trespass against the XXXX ; it is also a formal record of facts and enforcement. The XXXX has exhausted all private remedy. Capital One stands in dishonor, default, and violation of law. [ Law Merchant Commercial Instruments ] [ Equity Jurisdiction Breach of Fiduciary Duty ] The accounts at issue ending in XXXX, XXXX, and XXXX were held in the ALL-CAPS legal fiction ( XXXX XXXX ) tied to the Trustees name. All commercial activity was for the exclusive benefit of the XXXX. The XXXX annexed the birth certificate estate as collateral under Public Law XXXX, Law of Equity, and Commercial Affidavit Process, operating solely within the framework of Private International Trust Governance [ Constructive XXXX  Doctrine Restatement ( Third ) of Trusts ] [ Public Money XXXX Federal Reserve XXXX XXXX XXXX Secured Party Status UCC Article XXXX ]. \nBeginning in late XXXX and continuing through XXXX, the Trust issued multiple lawful remittances, each properly constructed in compliance with Uniform Commercial Code, Truth in Lending Act, Fair Credit Billing Act, Federal Postal Regulations, and Common Law of Contracts [ Holder in Due Course Doctrine UCC XXXX ] [ Legal Tender Statutes XXXX XXXX XXXX XXXX [ Commercial Dispute Settlement Principles UCC XXXX XXXX. \nEach instrument was remitted with supporting affidavits, trust documentation, and certified mailing, as required under XXXX XXXX XXXX Manual XXXX [ Private Postmaster Protocol XXXX Regulations ] [ Certified Mail Process Evidentiary Delivery ] [ Commercial Mail Delivery Standards Uniform Mail Protocols ]. \nNone of the Gold Clause Checks were returned. \nNone were rebutted. \nNone were lawfully dishonored. \nEvery single instrument including the final tender XXXX issued XX/XX/XXXX was received, retained, and ignored. This constitutes silent acquiescence, acceptance by estoppel, and fiduciary breach [ Law of Agency Commercial Principal Liability ] [ Commercial Acceptance and XXXX XXXX XXXX ] [ Estoppel by Silence XXXX XXXX XXXX ] [ Accord and Satisfaction UCC XXXX XXXX. \nThe XXXX has not received any formal statement from Capital One as to whether this instrument was : Cashed, deposited, converted, destroyed, or retained without authority Used to satisfy internal accounting or funding mechanisms Forwarded to any fiduciary, legal, or banking counterparties The XXXX demands full disclosure and verification of what actions were taken if any regarding the final tender instrument ( XXXX ), and whether its value was secretly applied, deposited, or dishonored without lawful notice. \nFollowing these remittances, Capital One proceeded to unilaterally close all three commercial accounts without lawful notice, without cause, and without legal justification. No correspondence was issued. No dispute was acknowledged. The bank deliberately withheld resolution and suppressed the lawful instruments [ Fraud by Omission Restatement of XXXX XXXX ] [ Administrative Interference Violation of XXXX XXXX ] [ Failure to Cure Violation of XXXX and XXXX XXXX ]. \nAs a direct result, the XXXX has been damaged and trespassed upon. The injuries are irreparable, including but not limited to : Loss of commercial credit and revolving access Interference with Trust operations and fiduciary obligations Destruction of prior agreement and commercial expectation Exposure to reputational damage, false delinquency, and administrative obstruction Capital One has never disclosed whether : The accounts were bonded, securitized, or monetized behind the scenes [ XXXX XXXX SEC XXXX XXXX ] [ Unauthorized Negotiation UCC Article XXXX ] The Trustees estate was used in any Treasury claim, insurance claim, or collateral sale [ Unauthorized Use of Trust Assets Fiduciary Abuse Doctrine ] [ Unjust Enrichment Commercial Equity ] The closures were coordinated with outside third parties, regulatory authorities, or government securities programs [ XXXX Disclosure Violations XXXX XXXX ] [ Commercial Agency Breach Agency Law ] This is commercial coercion. This is fraud by silence. This is conversion of lawful instruments [ Trespass to Chattels Financial Instrument ] [ Conversion by Bank XXXX XXXX ] [ Breach of Trust Private Estate Governance ]. \nLet this complaint stand as a final attempt at peaceful and lawful enforcement. \nAll three commercial credit accounts were opened by Capital One in the ALL-CAPS legal fiction name derived from the Trustees estate XXXX XXXX XXXX XXXX full disclosure, informed consent, or lawful fiduciary contracting. These accounts were created using the XXXX 's secured identifiers and estate data, placing liability and use upon the constructive trust entity ( the ALL-CAPS name ), while offering no lawful contracting opportunity to the actual beneficiary or Trustee. \nThe accounts were used exclusively for lawful trust activity, not for personal consumer use. \nApproximate balances as of early XXXX, before remittance : Account ending in XXXX Approx. {$650.00} Account ending in XXXX Approx. {$420.00} Account ending in XXXX Approx. {$320.00} Each of these accounts was remitted in full via lawful instrument XXXX on XX/XX/XXXX, after multiple private attempts at remedy dating back to late XXXX. Capital One failed to respond, failed to disclose, and forcibly closed all three accounts under silent dishonor, triggering enforcement action. \nThe Trust now asserts the following violations on the record : Commercial Dishonor [ Uniform Commercial Code XXXX : Presentment, XXXX : Dishonor, XXXX : Discharge ] Constructive Fraud [ Law of Equity Duty of Full Disclosure and Loyalty ] Conversion [ Common Law Wrongful Possession or Use of Another 's Property ] Fiduciary Breach [ Restatement of XXXX XXXXXXXX : Duty of Loyalty and Prudence ] Estoppel by Silence [ Maxims of Equity He Who Remains Silent Consents ] Denial of Remedy [ Truth in Lending Act 15 USC 1666 : Procedural Safeguards ] [ Fair Credit Billing Act 12 CFR Part 226 : Creditor Duties ] The Trusts commercial standing has been damaged. Administrative rights have been obstructed. The closure of revolving credit lines has interfered with lawful trust operations, requiring this public record of enforcement, protest, and reservation of all rights under Uniform Commercial Code, Private Equity Law, and Lawful Remedy Exhaustion [ Reservation of Rights XXXX XXXX ] [ Commercial Enforcement Administrative Record ] [ Good Faith Obligation UCC XXXX XXXX. \nAll rights reserved. Without prejudice. UCC 1-308. \nEntered into the record for permanent enforcement. \nFAIR AND LAWFUL RESOLUTION DEMANDED The XXXX demands immediate reinstatement of all three commercial credit accounts, expungement of all derogatory records and misapplied delinquencies, restoration of commercial credit access, and full correction of the administrative record. \nCapital One must disclose the status and handling of the final remittance instrument ( XXXX ) and confirm whether it was retained, deposited, destroyed, or converted without lawful notice or authority. \nIf the instrument was monetized, negotiated, or bonded, Capital One must name all third-party financial beneficiaries, internal departments, and regulatory actors involved. \nThe XXXX demands certification in writing that no further account closures, securitization, monetization, data sharing, or unauthorized estate collateralization will be performed under XXXX of law. \nFailure to comply shall result in further enforcement, XXXX filing, and pursuit of criminal referral under [ XXXX XXXX ], [ 31 U.S.C. 5118 ], [ XXXX ], [ FCRA ], [ XXXX XXXX XXXX ], and [ XXXX ]. \nThe XXXX respectfully reserves all rights and requests full disclosure and verified chain-of-custody documentation for all three accounts and the remitted instrument. In particular, the XXXX demands complete disclosure of the XXXX file and all associated internal communications, audit trails, and metadata related to the remittance, closure, and any backend processing of the XXXX accounts. \nRestitution is hereby demanded in the minimum amount of {$25000.00} for administrative interference, commercial injury, and operational loss sustained by the XXXX. Additionally, the XXXX demands reinstatement of commercial credit lines, each increased to a minimum of {$50000.00} to restore parity, standing, and rightful commercial capacity. \nThis request is made in good faith to exhaust peaceful and lawful remedy prior to pursuing any further necessary action. Should Capital One wish to rebut any statement made herein, such rebuttal must be made line-by-line and under oath, in full view of the record and in light of the dishonor and fiduciary breach displayed up to the date of this writing. \nRespectfully submitted on behalf of : XXXX XXXX XXXX XXXX XXXX. \nBy : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX rights reserved Without prejudice UCC XXXX","date_sent_to_company":"2025-07-19T17:46:57.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"27603","tags":"Servicemember","has_narrative":true,"complaint_id":"14756038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-19T17:37:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["All three commercial credit accounts were opened by Capital One in the ALL-<em>CAPS</em> <em>legal</em> <em>fiction</em> name derived from the Trustees estate XXXX XXXX XXXX XXXX full disclosure, informed consent, or lawful fiduciary contracting. These accounts were created using the XXXX 's secured identifiers and estate data, placing liability and use upon the constructive trust <em>entity</em> ( the ALL-<em>CAPS</em> name ), while offering no lawful contracting opportunity to the actual beneficiary or Trustee."]},"sort":[12.987919,"14756038"]},{"_index":"complaint-public-v1","_id":"14664839","_score":10.241301,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX XXXX XXXX XXXX, a living XXXX  American national, foreign principal, XXXX XXXX and Executrix of the XXXX XXXX XXXX XXXX XXXX, file this formal complaint against XXXX XXXX XXXX, XXXX, acting as attorney and purported representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), for unlawful and fraudulent debt collection activities and harassment against the private trust estate. \n\nThe HOA and/or its agents, under the direction of attorney XXXX XXXX XXXX have engaged in the following unlawful acts : Filing false and unverified claims of debt and liens against the trust estate property, despite lack of privity of contract or consent to HOA governance, assessments, or jurisdiction. \nCreating alleged debt underlying the lien and foreclosure actions by using the ALL ) CAPS NAME ESTATE ( XXXX XXXX XXXX ), without my knowledge, consent, or full disclosure. \nThe HOA ( XXXX XXXX XXXX XXXX, subcontracted throught XXXX and managed by XXXX XXXX ) and the builder ( XXXX  and successor XXXX ) fraudulently created an adhesion contract by filing a lien and notice of lis pendens without ever producin g or providing a signedm valid and lawful contract. \nIdentity theift and unlawful conversion of the XXXXXXXX XXXX XXXX estate for unjust enrichment, using the ALL CAPS name as a fiction / persona to generate securities in the estate without authority or power of attorney, The Alleged Loan was discharged at Closing : At closing, the purported loan was dishcharged and settled per : 12 U.S.C. 95A ( 2 ) : All obligations against the United States and its subdivisions are acquitted and discharged. \nHouse Joint Resolution 192 ( June 5, 1933 ) : Lawful money no longer exists to extinguish debt - all debts are discharged in equity through negotiable instruments created on the estate, Therefore, there is no lawful outstanding debt attached to the property - and any claim otherwise is fraudulent, predicated on the estate 's credit without consideration. \n\nNo Consent or Agreement with the HOA I never signed or entered into a binding, lawful contract with the HOA or any of its agents. \nThe HOA 's own filings fail to produce any enforceable, wet-ink agreement binding me, as the living woman or as XXXX XXXX XXXX XXXXXXXX XXXX XXXX to their corporate rules. \nThe HOA and its counsel acted ultra vires ( beyond authority ) by fabricating a \" debt '' and filing liens and lis pendens unlawfully. \n\nSovereign Status and Treaty Protection I am a sovereign XXXX  American national, recognized under : Treaty of Peace and Friendship ( 1836 ) between the XXXX XXXX and the United States of North American Article IV of the Articles of Confederation guranteeing free ingres, egress, and protections for foreign nations. \nVienna Convention on Consular Relations ( 1963 ) - Article 36 : Right to consular assistance and jurisdiction. \nUN Declaration on the Rights of Indigenous Peoples ( UNDRIP ) Articles 3,8, 26, 28, and 40.\n\nAs such, I am not subject to the jurisdiction of the municipal corporate courts or their agents unless consent is proven- which has not been and can not be. \nPursuing liens, foreclosure, and hearings against my foreign private estate despite my jurisdictional averments and treaty-based objections. \nAttempting to collect a debt not owed. My estate is a foreign, non-taxable, and the lien is unlawful. \nMaking false statements and representations. Misrepresenting their authority, standing, and my status. \nTook negative legal action by initiated known fraud hearings, foreclosure filings, and unlawful inspection attempts. \nAttempting to collect a debt allegedly owed that is not supported by lawful contract or jurisdiction, and attempting to extract payments outside treaty and trust protections through attempted fraudulent conveyance. \nImpersonation of a governmental official. Administrative clerks d/b/a Judges, HOA agents, and others are acting under color of law as if they have lawful judicial or governmental authority, when they do not- this is a clear color of law violation and impersonation of lawful officials.\n\nColor of law violations : 18 U.S.C. 241, 242 ; Fraudulent presentment / fraudulent conveyance, fraudulent tax assessment / unjust enrichment Denial of treaty rights and due process, genocide through denationalization Wrongful lien, false accounting, and fraudulent de Knowingly attempting to convert the property through color of law and intimidation tactics, despite being notified of the trusts foreign status and indigenous title protection. \nSending notices and filings purporting to levy assessments, while instructing me to remit payments to XXXX XXXX private escrow account an improper and unethical practice. \nIgnoring treaty obligations, federal law, and the protections of a private trust estate, including allodial and aboriginal title immunity from municipal encumbrances. \nHarassing the estate with process servers, fraudulent inspections, and unauthorized presentments, with the intent to coerce and extort payment of a fabricated debt. \nNo lawful debt exists ; the alleged default is a product of fraud and improper accounting. '' I am filing this complaint in my capacity as the XXXX XXXX and lawful XXXX  of my private trust estate, XXXX XXXX XXXX XXXX XXXX, on behalf of the indigenous XXXX XXXX XXXX known as XXXX XXXX XXXX and variants thereof, to address ongoing fraudulent, abusive, and unlawful actions by XXXX XXXX  XXXX XXXX XXXX, its officers XXXX agents, and affiliates, as well as the HOA and its counsel XXXX \nThese actors are knowingly engaged in a pattern of fraud, securities violations, misrepresentation, and identity conversion, attempting to foreclose and liquidate trust estate property without lawful authority, in violation of international treaty obligations, indigenous sovereignty protections, and consumer protection statutes. \nSpecifically : XXXX and its agents falsely presented themselves as lawful fiduciaries of the estate while failing to disclose the fraud at origination and the fact that the loan was already XXXXscharged via issuance of credit per 12 U.S.C. 95a ( 2 ) and HJR-192 ( 1933 ).\n\nThe actors failed to disclose the joinder of unrelated parties into my trust estate ( HOA and others ) and failed to present a W-9, OID, or tax reporting of these transactionsconstituting unreported income and tax fraud, further reported on IRS Form 3949-A and Form 211.\n\nThey initiated foreclosure proceedings and HOA lien actions without treaty authority or proof of standing, in violation of the Treaty of Peace and Friendship ( 1836 ) and the UN Declaration on the Rights of Indigenous Peoples, Articles 8 and 26. \nThey continued to attempt to collect, inspect, and convert the property even after I entered into the public record my Averment of Jurisdiction and Notice of Non-Consent ( XX/XX/XXXX ) and Unified Judicial Notice ( XX/XX/XXXX ) under docket XXXX. \nThese actions constitute harassment, fraud, fraudulent conveyance, color of law violations under 18 U.S.C. 241,242,1201, and breach of fiduciary duty by purporting to act for the trust estate without consent. \nI have documented and submitted to the public record over two dozen judicial notices, affidavits, tort claims, and IRS filings to revoke their presumed authority and demand lawful proof of standing, agency, and bonding. \nI hereby demand CFPBs intervention and full investigation of the above entities and their agents for violations of the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation Z, Regulation X, and related statutes, along with violations of treaty and indigenous rights protections acknowledged under U.S. law. \nSupporting exhibits and public record references are available upon request and are being concurrently served on the violators and lodged with the court under consular seal. \nThese actions constitute harassment, fraudulent collection of a non-existent debt, and violation of the FDCPA, 15 U.S.C. 1692 et seq., and state and federal fair business and consumer protection laws.\n\nThis filing stands as formal notice and declaration that : I reject and rebut any presumed contract with the HOA or their agents. \nI reject and rebut any alleged debt claimed against me personally or against my private XXXX XXXX. \nI affirm that the debgt was created through fraud, identity theft, and unlawful conversion of my estate. \nI hereby demand immediate investigation, cessation of all actions, collection efforts, and removal of any and all false liens or claims from the record, and acknowledgment of full discharge. I reserve all rights under UCC 1-308, Article III of the Constitution, the Treaty of Peace and Friendship, and all applicable law of nations.","date_sent_to_company":"2025-07-21T14:41:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"33579","tags":"Servicemember","has_narrative":true,"complaint_id":"14664839","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Mankin Law Group","date_received":"2025-07-15T21:19:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Identity theift and unlawful conversion of the XXXXXXXX XXXX XXXX estate for unjust enrichment, using the ALL <em>CAPS</em> name as a <em>fiction</em> / persona to generate <em>securities</em> in the estate without authority or power of attorney, The Alleged Loan was discharged at Closing : At closing, the purported loan was dishcharged and settled per : 12 U.S.C. 95A ( 2 ) : All obligations against the United States and its subdivisions are acquitted and discharged."]},"sort":[10.241301,"14664839"]},{"_index":"complaint-public-v1","_id":"14370742","_score":9.01659,"_source":{"product":"Credit card","complaint_what_happened":"Affidavit : XXXX, Orders, Clarification and Statement ofValue and Consideration XX/XX/XXXX From : XXXX XXXX XXXX, Attorney-in-factOn behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX ) XXXX XXXX To : XXXX XXXX : XXXX XXXX Escalations XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Mail # Regarding account ending # XXXX and any attachedor connected accounts, applications, reorganization agreements, negotiable instruments, etc. \n\n\n\nSection 1 : Definitions Payment : The fulfillment of a promise, or the performance of an agreement.-Blacks Law 4th Edition Tender:1. The offer of performance, not performance itself, and, when unjustifiably refused, places other party in default and permits party making tender to exercise remedies for breach of contract.-Blacks Law 4th Edition 2. An offer of money ; the act by which one produces and offers to a person holding a claim ordemand against him the amount of money which he considers and admits to be due, insatisfaction of such claim or demand, without any stipulation or condition.-Blacks Law 4th Edition Check : The Federal Reserve Board defines a check as a draft or order upon a bank or banking housepurporting to be drawn upon a deposit of funds for the payment at all events of a certain sum of money to a certain person therein named or to him or his order or to bearer and payable instantly on demand. It must contain the phrase pay to the order of.-Blacks Law 5th Edition US dollars : United States coins and currency ( including Federal reserve notes and circulating notes ofFederal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts.-31 USC 5103 Novation : The substitution of a new debt or obligation for an existing one.-Blacks Law 4th Edition Consideration:1. Consideration is not to be confounded with motive. Consideration means something which is of value in the eye of the law, moving from the plaintiff, either of benefit to the plaintiff or ofdetriment to the defendant.-Blacks Law 4th Edition 2. Nothing is consideration that is not regarded as such by both parties. Schlecht v. Schlecht, 168 Minn. 168, 209 N.W. 883, 887 Nation : An Independent body politic ; a society of men united together for the purpose of promotingtheir mutual safety and advantage by the joint efforts of their combined strength. But everycombination of men who govern themselves independently of all others will not be considereda nation. A body of pirates, for example, who govern themselves, are not a nation. To constitute a nation, another ingredient is required. The body thus formed must respect other nations in general, and each of their members in particular. Such a society has her affairs and her interests ; she deliberates and takes resolutions in common, thus becoming a moral person, who possesses an understanding and will peculiar to herself, and is susceptible of obligations and rights.-Vattel, Prelim. Ill, 2 ; 5 Pet. ( U.S. ) 52. See 1 Idaho ( N. S. ) 612.\n\nUCC 3-103 definitions of order and promise ( a bill of exchange is an unconditional order to pay and a promissory note is an unconditional promise to pay ) : ( 8 ) \" Order '' means a written instruction to pay money signed by the person giving the instruction.The instruction may be addressed to any person, including the person giving the instruction, or to one or more persons jointly or in the alternative but not in succession. An authorization to pay is not an order unless the person authorized to pay is also instructed to pay. \n( 12 ) \" Promise '' means a written undertaking to pay money signed by the person undertaking topay. An acknowledgment of an obligation by the obligor is not a promise unless the obligor also undertakes to pay the obligation.Ens legis : A creature of the law ; an artificial being, as contrasted with a natural person. Applied tocorporations, considered as deriving their existence entirely from the law.-Blacks Law 4th Edition Section 2 : Introduction Thank you very much for reading this and forwarding it to the proper person to handle it. Noticeto agent is notice to principal.\n\nIm available via multiple forms of contact if any clarification of this document is needed prior toresponding in affidavit form.\n\nSection 3 : Novation Points A. Parties 1. Definitions and Background The definition of Person, from 26 USC 7701 ( a ) ( 1 ) is : The term person shall be construed tomean and include an individual, a trust, estate, partnership, association, companyor corporation.\n\nThe definition of certificate is : statement of some fact in a writing signed by the partycertifying. -Nowell v. Mayor and Council of Monroe , 177 Ga. 648, 171 S.E. 136, 141 The definition of live birth is : Live birth means the complete expulsion or extraction fromits mother of a product of conception ( irrespective of the duration of pregnancy ) which, aftersuch separation, breathes or shows any other evidence of life such as beating of the heart, pulsation of the umbilical cord, or definite movement of voluntary muscles, whether or not theumbilical cord has been cut or the placenta is attached.\n\nA Certificate of Live Birth is a statement of fact that a live birth occurred.\n\nTypically, there are aspects of the live birth, such as the placenta, which is abandoned ( left fordisposal ) by the mother. This could also be other parts of the birth such as the umbilical cord.\n\nSTATE OF MISSISSIPPI is listed as a\n\nbusiness on Dun and Bradstreet and is located in theDistrict of Columbia.The evidence behind this is that the United States is located in the Districtof Columbia as per UCC 9-307 ( h ). STATE OF MISSISSIPPI is a sub-corporation of UnitedStates. 4 USC 72 also covers this idea as well : All offices attached to the seat of governmentshall be exercised in the District of Columbia, and not elsewhere, except as otherwise expressly provided by law. Naturalization, as per 8 USC 1101 ( a ) ( 23 ) is defined as : The term naturalization means theconferring of nationality of a state upon a person after birth, by any means whatsoever. The word state from naturalization is synonymous with the word nation, which is defined inthe definitions section in Section 1 of this novation. The definition of the word person from Title 8 is defined as an individual or organization.The definition of the word organization from above comes from 8 USC 1101 ( a ) ( 28 ) and is : The term organization means, but is not limited to, an organization, corporation, company , partnership , association, trust, foundation or fund ; and includes a group of persons, whether ornot incorporated, permanently or temporarily associated together with joint action on any subject or subjects. The definition of public corporation is : A public corporation is one created by the state for political purposes and to act as an agency in the administration of civil government.-Blacks Law 4th edition. 2. Clarification and Novation of Parties When born, my mother abandoned the various products of conception. These products were part of the live birth and the Certificate of Live Birth involves only those abandoned products, not the male body of which I possessed and inhabit to this day.The Certificate of Live Birth is a document that is an abandonment and naturalizationdocument. It is a document that shows that products of the Live Birth were abandoned and it also is my mother conferring the nationality of the State ( incorporated business ) called STATE OF MISSISSIPPI upon the abandoned products of conception, after birth, by any means whatsoever ( naturalization ). This effectively naturalized, what was assumed to be me, falsely, into the District of Columbia. There is a specific line on my Certificate of Live Birth entitled Date received by local HealthOfficer. This date is the date that a public corporation/trust/estate was opened as a legal fiction which represents the abandoned products of conception.This public corporation/trust/estate is represented by my name , converted into a tra\nde name ordoing business as name of my name in all capital letters : XXXX XXXX XXXX. \n\nThis corporation/trust/estate XXXX XXXX XXXX XXXX as per most definitions found of the word. \nThe birthday of the person, XXXX XXXX XXXX, is the date that the Certificate of Live Birth was received by the local Health XXXX, which would be XX/XX/XXXX. \nTHE SOCIAL SECURITY NUMBER IS A TAX IDENTIFICATION NUMBER ( EIN/TIN ) FOR THE ENS LEGIS AND IS NOT ATTACHED TO ME AS A MAN. EINNUMBERS ARE ASSIGNED TO BUSINESSES, NOT MEN AND WOMEN.\n\nMyself, not involving any of the above aspects, am an unincorporated freeman of the Union, as quoted from the Honorable Mr. Justice MILLER, as he spoke on the difference between state citizenship and Federal US citizenship in the Supreme Court case : The Slaughter-House Cases, 83 U.S. 36 ( 1873 ).\n\nThe terms individual and natural person both apply to the all caps ens legis and not myselfas the freeman of the Union. These terms are often confusing or misunderstood.A good example of the above confusion can be found in this definition of the word individual : As a noun, this term denotes a single person as distinguished from a group or class, and also, very commonly, a private or natural person as distinguished from a partnership, corporation, orassociation; but it is said that this restrictive signification is not necessarily inherent in the word, and that it may, in proper cases, include artificial persons.State v. Bell Telephone Co., 36 Ohio St. 310, 38 Am.Rep. 583 For clarity of all of our contracts, the term natural person and ALSO the term individual, inall aspects of our contracting, will be defined as the following : the living man or woman. This man or woman operates and speaks on behalf of the soleproprietorship/public corporation in the fictional world, but is entirely a different person.This individual or natural person does not fit the definitions in the normal legal worldand this definition specifically and entirely eliminates all assumptions of jurisdiction, citizenship, nationality, etc. All of that information is definable only and exclusively by theindividual man or woman and is NOT subject to absolutely any involuntary servitude, forced contractual obligation, etc.My birthday, as a natural person, is XXXX XXXX XXXX.\n\nI operate as the attorney-in-fact over the person named XXXX XXXX XXXX and all contact will be made through XXXX XXXX XXXX ( including any litigation ).\n\nConclusion : There are two persons at play here. One is a man of the Union and the other is a publiccorporation/sole proprietorship. The public corporation is used as a buffer or flow-through for all commercial transactions and it is agreed through this novation that the trade name, XXXX XXXX XXXX , will be the primary person mentioned on all documents and litigation and then the natural person, XXXX XXXX XXXX XXXX speaks on behalf of the public corporation because the public corporation can not speak or write. \n\nXXXX XXXX XXXX, because he is not intrinsically a commercial entity and thus would not fit the legal definition of a person, will not be the one entering jurisdiction into any court and he will be using naturalization in order to move XXXX XXXX XXXX into the jurisdiction of the court but it is agreed by all parties that he is still operating pro XXXX in the courts as he is still presenting in his own name. The agreement is that XXXX XXXX XXXX is a commercial trade name that XXXX XXXX XXXX is authorized to use in commerce. \nXXXX XXXX XXXX is a foreign national of the Nation of the XXXX XXXX, which can be viewed at www.theamnestycoalition.org. \n\nXXXX XXXX XXXX is movable via naturalization as per 8 USC 1101 ( a ) ( 23 ) and will bemoved around, at will, by XXXX XXXX XXXX. XXXX XXXX XXXX is not a resident or citizen of absolutely any corporate, incorporated or business entity. The plural version of men or women is people, whereas the plural of legal fictions is persons. \n\nB. All Other Points of Novation 1. All previous assumed or expressed arbitration agreements are hereby void due to fraudand lack of consideration. No parties are any longer eligible for ANY arbitration activities and discovery, right to a jury trial and ALL other rights of due process are hereby retained explicitly by all parties 2. All previous Powers of Attorney, expressed or implied, are hereby canceled. A newlimited Power of Attorney can be written up based on the aspects of this novation, if desired. \n3.Without prejudice and the reserving of all rights is hereby activated for both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All rights are reserved at all times. \nXXXX. All negotiable instruments ( promissory notes and bills of exchange ) involving all transactions on all accounts past, present and future, are hereby novated under fraud ( lack of clear conditions/terms, fraud, unjust enrichment, etc ). All past, present and futureblank indorsements are hereby canceled. ALL BLANK INDORSEMENTS, FROM THIS POINT FORWARD, NEED TO BE EXPLICITLY INDORSED Pay to the order of : bearer OTHERWISE THEY CAN NOT BE ASSUMED TO BE BLANK. The new qualified/special indorsement for all past, present and future securities is now the following ( consideration to all currency exchanges will be paid once performance of Federal Reserve Discount Window services have been completed and Federal Reserve Notes are returned to the payee ) : WITHOUT RECOURSEPay to the Order of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- -- XXXX XXXX XXXX, attorney-In-fact 5 . All Title 18 ( USC ) crimes, and also all State penal and criminal claims, which normallydo not have a private right of action in litigation, are hereby entered into this novationas a CONTRACTUAL aspect of our private agreements. Meaning that all of these Codesare now enforceable in a civil court as a private part of our contractual obligations andTHESE CODES ARE NOW ACTIVE TO BEING CAUSES OF ACTION IN CIVIL COURT.6. Anything that was previously pledged as collateral on any accounts or loans, above andbeyond the original promissory note that now has a qualified/special indorsement, ishereby released and is no longer attached as collateral on any accounts. \n7.All interest payable on all notes or bills are now claimed by XXXX XXXX XXXX XXXX XXXX XXXX and that controversy needs to be sorted out right away so we candetermine what service fee that any banking/financial organization will be getting for theservice of currency exchange at the Federal Reserve Discount Window . \n8.If you are a bank, credit union, or any other financial organization, you are hereby nowthe fiduciary for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your fiduciary duty is to ensure the clean, direct and honest negotiation of all negotiable instruments and toproperly help us do a currency exchange of the original collateral securities for FederalReserve Notes at the Federal Reserve Discount Window. Absolutely anything that wouldnot effectively and rapidly assist in that is now officially a breach of fiduciary duties. Anyusage of the term lender or borrower when attempting to say that you lended eitherof us anything will be a charge of breach of fiduciary duties. The ONLY thing that isconsidered consideration in this contract is now the helpful actions that assist us insecurity swaps at the Federal Reserve Discount Window-NOTHING ELSE IS CONSIDERATION.\n\n9. Notarization is not naturalization and just because a document was notarized in a locationdoes not mean that is naturalization of any individual or organization. Naturalization isonly legally binding if it is a clear and specific conferring of a state/State/nation upon anindividual or organization, after birth, by any means whatsoever. As of the writing of thisnovation, the incorporated nation of STATE OF NORTH CAROLINA is herebyconferred upon XXXX XXXX XXXX, while XXXX XXXX XXXX confers the state called the Nation of the Amnesty Coalition ( unincorporated ) upon himself, after birth, by any means whatsoever.\n\nSection 3 : Value and Consideration Clarification To be clear, all lending never occurred so is not considered consideration ( because there is no lending going on ) .But facilitating Federal Reserve services at the Discount Window via an OC-10 agreement is considered consideration.\n\nIt is valuable consideration that my currency ( original note ) is being swapped at the Window foranother type of currency ( Federal Reserve Notes ) and returned to me. This activity is not lending but is a simple currency exchange. This is what it will be called in all aspects of our contract or any necessary litigation. Any usage of the word lending or any indication of me being loaned anything will be met with fraud charges.\n\nSection 4 : Orders Please discharge/set-off all imbalanced accounts and immediately refund all over performance on this account since the account 's inception. Please send me a verified affidavit of this beingcompleted ( by an individual ). Please include their phone number and email on the affidavit aswell in case I need to contact them.\n\nPlease immediately remove any bad reports that may have been made on the credit score of the trade name XXXX XXXX XXXX. \nPlease remove any accounts from any collections. \nPlease also release all liens or any other security interest that has been filed in any way for any asset and please destroy any Certificates of Title or any other securities showing a security interest for anything associated with our contracts. \nAll assets will now be held in full dominion in private trusts that are located in the Nation of TheAmnesty Coalition. Do not list the public corporation as a registered owner or release anydocumentation showing a security interest. Anything issued of this type will be securities fraudand will be handled with litigation ( civil and criminal ).\n\nThis includes any interest available from the swapping of any collateral securities at the FederalReserve Discount Window, any extraneous and irrelevant Federal Reserve Notes that weretendered onto this account, and any additional securitization or activities that took place with any original collateral securities.You have a total of 30 days to complete these orders from the time this affidavit is signed for ( there will be a series of other mailings sent to you during this time to ensure proper notice ofnovation ) .This document is an unconditional order to perform.\n\nSection 5 : Closing Statements This affidavit is being sent to you in good faith.\n\nUCC 1-201 defines good faith as : honesty in fact and the observance ofreasonable commercial standards of fair dealing. \nI would like to be clear that I am absolutely and entirely available for in person communication, email, phone calls, texts, faxes or hard mail through the USPS. I am not a combatant and simply wish to establish a more equitable agreement between us both where we can both win and succeed. \nThis is an affidavit that is being issued to you. This affidavit must be rebutted by an affidavitspecifically clarifying and rebutting each and every INDIVIDUAL aspect of which you are notin agreement with or would like to change and exact and specific reasoning and supportinglaws/statutes must be written in the affidavit in order for there to be a justiciable controversy onthat particular aspect. \nThe total time that you are being given to perform on these orders is 30 days from the receipt of this affidavit. \nIf there is a denial of the orders in Section 4 or if these affidavits are ignored, litigation will befiled and served immediately after the denial or immediately after the 30 day period elapses.You can call me, email me, send mail to me, or any other reasonable attempt to contact me and Ill be more than happy to speak to you. I am more than willing to work with you and this section is here just to be clear that intimidation, slander, libel, lies and bluffs will be AGGRESSIVELY handled to the absolute fullest extent of the law.Honest attempts to solve the difficulties and controversies that we find ourselves in will be metwith sincerity and appreciation.\n\nSignature Section ( pursuant to 28 USC 1746, If executed without the United States ) : I declare under penalty of perjury under the laws of the United States of America that theforegoing is true and correct. Executed on XXXX ( date ) : _____________________________________Without prejudiceBy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-30T19:06:12.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"93446","tags":null,"has_narrative":true,"complaint_id":"14370742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-30T18:49:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX is not a resident or citizen of absolutely any corporate, incorporated or business <em>entity</em>. The plural version of men or women is people, whereas the plural of <em>legal</em> <em>fictions</em> is persons. \n\nB. All Other Points of Novation 1. All previous assumed or expressed arbitration agreements are hereby void due to fraudand lack of consideration."]},"sort":[9.01659,"14370742"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":10,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":10}]}},"product":{"doc_count":10,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5}]}},{"key":"Bank account or service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":1}]}}]}},"issue":{"doc_count":10,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3}]}},{"key":"Account opening, closing, or management","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Indicated you were committing crime by not paying debt","doc_count":1}]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}}]}},"timely":{"doc_count":10,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":10,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":9},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":10,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":10}]}},"company":{"doc_count":10,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":3},{"key":"JPMORGAN CHASE & CO.","doc_count":2},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"Mankin Law Group","doc_count":1},{"key":"Trott Law, P.C.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":10,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":3},{"key":"NC","doc_count":3},{"key":"CA","doc_count":1},{"key":"IL","doc_count":1},{"key":"MN","doc_count":1},{"key":"OK","doc_count":1}]}},"company_public_response":{"doc_count":10,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":4},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":10,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":3},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}