{"took":116,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":33,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8488226","_score":32.937393,"_source":{"product":"Debt collection","complaint_what_happened":"DPT ED/AIDV is reporting an inaccurate balance on my student loan account. The debt has been reported as canceled per the IRS publication. This was then reported as income on my federal tax refund and income can not be reported to the consumer report. DPT ED/AIDV uses the promissory note which is a negotiable instrument as the security to sell for profits. According to the DPT ED/AIDV own prospectus that is attached they pool the notes together to sale and have raised billions in profits selling consumers notes. However the interest that the security earns should legally and lawfully be paid out to the REGISTERED owner of the security. I have received no such compensation. \n\n( XXXX ) \" Bearer form, '' as applied to a certificated security, means a form in which the security is payable to the bearer of the security certificate according to its terms but not by reason of an indorsement. \n( XXXX ) \" Entitlement holder '' means a person identified in the records of a securities intermediary as the person having a security entitlement against the securities intermediary. If a person acquires a security entitlement by virtue of Section 8-501 ( b ) ( 2 ) or ( 3 ), that person is the entitlement holder. \n\n( XXXX ) \" Entitlement order '' means a notification communicated to a securities intermediary directing transfer or redemption of a financial asset to which the entitlement holder has a security entitlement. \n\n( XXXX ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. \n\nAs context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. \n( XXXX ) \" XXXX, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part XXXX. \n\n( XXXX ) \" Uncertificated security '' means a security that is not represented by a certificate. \n\n( b ) Other definitions applying to this Article and the sections in which they appear are : Appropriate person Section 8-107 Control Section 8-106 Delivery Section 8-301 Investment company security Section 8-103 Issuer Section 8-201 Overissue Section 8-210 Protected purchaser Section 8-303 Securities account Section 8-501 ( c ) In addition, Article 1 contains general definitions and principles of construction and interpretation applicable throughout this Article.\n\n( d ) The characterization of a person, business, or transaction for purposes of this Article does not determine the characterization of the person, business, or transaction for purposes of any other law, regulation, or rule.","date_sent_to_company":"2024-03-06T22:39:15.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"8488226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-03-06T21:58:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["( XXXX ) \" <em>Bearer</em> <em>form</em>, '' as applied to a certificated <em>security</em>, means a <em>form</em> in which the <em>security</em> is payable to the <em>bearer</em> of the <em>security</em> <em>certificate</em> according to its terms but not by reason of an indorsement. \n( XXXX ) \" Entitlement holder '' means a person identified in the records of a <em>securities</em> intermediary as the person having a <em>security</em> entitlement against the <em>securities</em> intermediary."]},"sort":[32.937393,"8488226"]},{"_index":"complaint-public-v1","_id":"7978506","_score":30.132265,"_source":{"product":"Debt collection","complaint_what_happened":"Denefits LLC is alleging I owe a debt not owed. Denefits LLC failed to disclose my application and contract are the collateral that is backing this credit sale. Not only is Denefits LLC benefiting from my financial asset the profits I am entitled to have been withheld from me. This is my financial asset that is making profits for the shareholders and the secondary market therefore my return on the said investment should rightfully be mine. It has my name on it. Denefits LLC never disclosed any of this to me even with the Truth in Lending passage on the contract they failed to uphold what is stated. With clean hands and good faith I went into business with Denefits LLC under false pretenses. \n\n\n\n( 7 ) \" Entitlement holder '' means a person identified in the records of a securities intermediary as the person having a security entitlement against the securities intermediary. If a person acquires a security entitlement by virtue of Section 8-501 ( b ) ( 2 ) or ( 3 ), that person is the entitlement holder.\n\n( 8 ) \" Entitlement order '' means a notification communicated to a securities intermediary directing transfer or redemption of a financial asset to which the entitlement holder has a security entitlement.\n\n( 9 ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. \n\nAs context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. \n\n( 10 ) [ reserved ] ( 11 ) \" Indorsement '' means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it.\n\n( 12 ) \" Instruction '' means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed.\n\n( 13 ) \" Registered form, '' as applied to a certificated security, means a form in which : ( i ) the security certificate specifies a person entitled to the security; and ( ii ) a transfer of the security may be registered upon books maintained for that purpose by or on behalf of the issuer, or the security certificate so states.\n\n( 14 ) \" Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity.\n\n( 15 ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article.\n\n( 16 ) \" Security certificate '' means a certificate representing a security.\n\n( 17 ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2023-12-10T21:58:59.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7978506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Denefits LLC","date_received":"2023-12-10T21:43:26.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["( 13 ) \" <em>Registered</em> <em>form</em>, '' as applied to a certificated <em>security</em>, means a <em>form</em> in which : ( i ) the <em>security</em> <em>certificate</em> specifies a person entitled to the <em>security</em>; and ( ii ) a transfer of the <em>security</em> may be <em>registered</em> upon books maintained for that purpose by or on behalf of the issuer, or the <em>security</em> <em>certificate</em> so states."]},"sort":[30.132265,"7978506"]},{"_index":"complaint-public-v1","_id":"7978339","_score":27.795261,"_source":{"product":"Debt collection","complaint_what_happened":"Carmax is alleging I owe a debt and stealing property from my trust. My contract is the security that funded this credit sale. CarMax Auto XXXX XXXX is the seller and depsoitory company that has illegal used my financial asset. Carmax is the servicer of the loan which servicers have no rights. Servicers only hold loans. Carmax has kept the interest, proceeds, and insurance from the sell of my security. As the executor of my estate I am entitled to compensation from Carmax. Futhermore I can not be indebted to Carmax while you're making profits from my security. A simple contract does not guarantee interest per federal law. Therefore Carmax has no interest or power to for performance nor keep all the profits from financial asset. That is securities fraud. \n( 7 ) \" Entitlement holder '' means a person identified in the records of a securities intermediary as the person having a security entitlement against the securities intermediary. If a person acquires a security entitlement by virtue of Section 8-501 ( b ) ( 2 ) or ( 3 ), that person is the entitlement holder. \n\n( XXXX ) \" Entitlement order '' means a notification communicated to a securities intermediary directing transfer or redemption of a financial asset to which the entitlement holder has a security entitlement. \n\n( XXXX ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. \n\nAs context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. \n\n( 10 ) [ reserved ] ( 11 ) \" Indorsement '' means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it. \n\n( 12 ) \" Instruction '' means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed.\n\n( 13 ) \" Registered form, '' as applied to a certificated security, means a form in which : ( i ) the security certificate specifies a person entitled to the security; and ( ii ) a transfer of the security may be registered upon books maintained for that purpose by or on behalf of the issuer, or the security certificate so states. \n\n( 14 ) \" Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. \n\n( 15 ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( 16 ) \" Security certificate '' means a certificate representing a security.\n\n( 17 ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.\n\n( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.\n\n( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.\n\n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.\n\n( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.\n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.","date_sent_to_company":"2023-12-10T23:32:59.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"7978339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarMax, Inc.","date_received":"2023-12-10T22:46:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["( 13 ) \" <em>Registered</em> <em>form</em>, '' as applied to a certificated <em>security</em>, means a <em>form</em> in which : ( i ) the <em>security</em> <em>certificate</em> specifies a person entitled to the <em>security</em>; and ( ii ) a transfer of the <em>security</em> may be <em>registered</em> upon books maintained for that purpose by or on behalf of the issuer, or the <em>security</em> <em>certificate</em> so states."]},"sort":[27.795261,"7978339"]},{"_index":"complaint-public-v1","_id":"7978478","_score":26.943323,"_source":{"product":"Debt collection","complaint_what_happened":"Achieve loan and XXXX XXXX XXXX misrepresented themselves and withheld critical information from me when this contract was extended. Achieve loan be the seller of the contract and XXXX XXXXXXXX XXXX acting as the lender. Achieve did not disclose the contract itself is the collateral that secures payment. Not only did Achieve make money from this transaction but XXXX XXXX XXXX as well being the depository bank. Seeing how this is my security I should legally and lawfully be receiving my share of the investment for my benefit. It is known under federal law that banks are BARRED from loaning money therefore XXXX XXXXXXXX XXXX can not lend anything of value. Neither Achieve Personal Loans or XXXX XXXXXXXX XXXX take into consideration the harm and damages this deception would cost me. \n( 9 ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article.\n\nAs context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement.\n\n( 14 ) \" Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity.\n\n( 15 ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article.\n\n( 16 ) \" Security certificate '' means a certificate representing a security.\n\n( 17 ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2023-12-10T21:40:23.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7978478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2023-12-10T21:19:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["( 15 ) \" <em>Security</em>, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a <em>security</em> <em>certificate</em> in <em>bearer</em> or <em>registered</em> <em>form</em>, or the transfer of which may be <em>registered</em> upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of"]},"sort":[26.943323,"7978478"]},{"_index":"complaint-public-v1","_id":"8845314","_score":26.770597,"_source":{"product":"Debt collection","complaint_what_happened":"Nations Direct Mortgage is alleging I owe a debt and initiated illegal foreclosure proceedings on my real property. The issue is Nations Direct Mortgage is the servicer and services have no rights to initiate foreclosed on property. This is fraud because my property should not have been used for the public commercial properties knowing the value of said property is far less the security and note attached to the account that they are servicing. Services are paid a fee to collect debts but have no rights because they are to hold the loan NOT collect. Nations Direct Mortgage should produce the original note and deed as outlined by federal law. Now this brings to question why the interest that the security is producing is not applied as outline by the securities law that govern public trading companies. Abuse of a security is punishable by federal prison time and serious fines.\n\n( a ) A person acquires a security or an interest therein, under this Article, if : ( 1 ) the person is a purchaser to whom a security is delivered pursuant to Section 8-301 ; or ( 2 ) the person acquires a security entitlement to the security pursuant to Section 8-501.\n\n( b ) A person acquires a financial asset, other than a security, or an interest therein, under this Article, if the person acquires a security entitlement to the financial asset.\n\n( c ) A person who acquires a security entitlement to a security or other financial asset has the rights specified in Part 5, but is a purchaser of any security, security entitlement, or other financial asset held by the securities intermediary only to the extent provided in Section 8-503.\n\n( d ) Unless the context shows that a different meaning is intended, a person who is required by other law, regulation, rule, or agreement to transfer, deliver, present, surrender, exchange, or otherwise put in the possession of another person a security or financial asset satisfies that requirement by causing the other person to acquire an interest in the security or financial asset pursuant to subsection ( a ) or ( b ).\n\n( a ) A person has notice of an adverse claim if : ( 1 ) the person knows of the adverse claim ; ( 2 ) the person is aware of facts sufficient to indicate that there is a significant probability that the adverse claim exists and deliberately avoids information that would establish the existence of the adverse claim; or ( 3 ) the person has a duty, imposed by statute or regulation, to investigate whether an adverse claim exists, and the investigation so required would establish the existence of the adverse claim.\n\n( b ) Having knowledge that a financial asset or interest therein is or has been transferred by a representative imposes no duty of inquiry into the rightfulness of a transaction and is not notice of an adverse claim. However, a person who knows that a representative has transferred a financial asset or interest therein in a transaction that is, or whose proceeds are being used, for the individual benefit of the representative or otherwise in breach of duty has notice of an adverse claim.\n\n( c ) An act or event that creates a right to immediate performance of the principal obligation represented by a security certificate or sets a date on or after which the certificate is to be presented or surrendered for redemption or exchange does not itself constitute notice of an adverse claim except in the case of a transfer more than : ( 1 ) one year after a date set for presentment or surrender for redemption or exchange; or ( 2 ) six months after a date set for payment of money against presentation or surrender of the certificate, if money was available for payment on that date.\n\n( d ) A purchaser of a certificated security has notice of an adverse claim if the security certificate : ( 1 ) whether in bearer or registered form, has been indorsed \" for collection '' or \" for surrender '' or for some other purpose not involving transfer ; or ( 2 ) is in bearer form and has on it an unambiguous statement that it is the property of a person other than the transferor, but the mere writing of a name on the certificate is not such a statement.\n\n( e ) Filing of a financing statement under Article 9 is not notice of an adverse claim to a financial asset.","date_sent_to_company":"2024-04-24T15:47:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"95206","tags":null,"has_narrative":true,"complaint_id":"8845314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nations Direct Mortgage, LLC","date_received":"2024-04-24T15:32:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["( d ) A purchaser of a certificated <em>security</em> has notice of an adverse claim if the <em>security</em> <em>certificate</em> : ( 1 ) whether in <em>bearer</em> or <em>registered</em> <em>form</em>, has been indorsed \" for collection '' or \" for surrender '' or for some other purpose not involving transfer ; or ( 2 ) is in <em>bearer</em> <em>form</em> and has on it an unambiguous statement that it is the property of a person other than the transferor, but the mere writing of a name on the <em>certificate</em> is not such a statement."]},"sort":[26.770597,"8845314"]},{"_index":"complaint-public-v1","_id":"10271916","_score":25.206472,"_source":{"product":"Credit card","complaint_what_happened":"This complaint is due to lack of response, performance and discharge of tender by the indentured trustee of JP Morgan Chase for account. JP Morgan Chase has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my Bearer form Certificated securities sent via registered mail.\n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that JP Morgan Chase has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ). \n\nPer the JP Morgan Chase prospectus your XXXX and XXXX forms and from that information I have discovered how JP Morgan Chase took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what JP Morgan Chase told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding JP Morgan Chase is selling my securities on the secondary markets and developed a CUSIP number even though in JP Morgan Chase prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, this complaint is due to lack of response, performance and discharge of tender by the indentured trustee of JP Morgan Chase. JP Morgan Chase has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my Bearer form Certificated securities sent via registered mail.\n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that JP Morgan Chase has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ).\n\nPer the JP Morgan Chase prospectus your 10-k and 8-k forms and from that information I have discovered how JP Morgan Chase took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what JP Morgan Chase told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding JP Morgan Chase is selling my securities on the secondary markets and developed a CUSIP number even though in JP Morgan Chase prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, JP Morgan Chase knowingly and willingly violated my federally protected rights. JP Morgan Chase and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.\n\nknowingly and willingly violated my federally protected rights. JP Morgan Chase and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.","date_sent_to_company":"2024-09-27T09:58:42.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"89431","tags":"Servicemember","has_narrative":true,"complaint_id":"10271916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-27T09:07:04.000Z","state":"NV","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["JP Morgan Chase has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my <em>Bearer</em> <em>form</em> Certificated <em>securities</em> sent via <em>registered</em> mail."]},"sort":[25.206472,"10271916"]},{"_index":"complaint-public-v1","_id":"8171616","_score":24.821537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Equifax continue to inaccurately report the account listed as XXXX XXXX XXXX. There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. \n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n\n( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n( XXXX ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2024-01-17T07:42:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"8171616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-17T07:42:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( XXXX ) \" <em>Security</em>, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a <em>security</em> <em>certificate</em> in <em>bearer</em> or <em>registered</em> <em>form</em>, or the transfer of which may be <em>registered</em> upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series"]},"sort":[24.821537,"8171616"]},{"_index":"complaint-public-v1","_id":"8171615","_score":24.64585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, and XXXX continue to inaccurately report the account listed as XXXX XXXX XXXX. There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. \n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n\n( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n( XXXX ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2024-01-17T07:42:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"8171615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-17T07:42:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( XXXX ) \" <em>Security</em>, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a <em>security</em> <em>certificate</em> in <em>bearer</em> or <em>registered</em> <em>form</em>, or the transfer of which may be <em>registered</em> upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series"]},"sort":[24.64585,"8171615"]},{"_index":"complaint-public-v1","_id":"8171838","_score":24.506227,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX continue to inaccurately report the account listed as XXXX XXXX XXXX There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. \n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n\n( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n( XXXX ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2024-01-17T07:42:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"8171838","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-17T07:19:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( XXXX ) \" <em>Security</em>, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a <em>security</em> <em>certificate</em> in <em>bearer</em> or <em>registered</em> <em>form</em>, or the transfer of which may be <em>registered</em> upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series"]},"sort":[24.506227,"8171838"]},{"_index":"complaint-public-v1","_id":"10309277","_score":24.18293,"_source":{"product":"Debt collection","complaint_what_happened":"I have sent this company several communications via mail and email about me not owing a debt. In fact, the original credit card company owes me money for the violation of several laws. I have sent this company and XXXX a Cease and Desist as well as a contract and debt validation letter. \n\nAs previously mentioned to XXXX XXXX XXXX XXXX, I've instructed XXXX, XXXX XXXX XXXX to stop contacting me. Now they are harassing me and sending me letters about a debt I do not owe. They are saying it's my debt, but they do not even have my correct name on it. \n\nFurthermore, I do not have a contract with Citibank, XXXX XXXX XXXX, or XXXXXXXX XXXXXXXX XXXX XXXX and neither one of them can produce a valid contract showing where they gave me valuable consideration or anything of the sort. They actually owe me for valuable consideration given on my end, but Citi has not provided anything in return. \n\nXXXXXXXX XXXXXXXX XXXX XXXX is impersonating a law firm with their name and info sent to my mailbox. We do not have a contract and we will not have a contract. I do not owe Citibank anything. \n\nThis is the third time I've told you guys to leave me alone. I've sent several notices to Citibank requesting my funds and interest be returned to me. \n\nSending me statements only further proves that they owe me money. It doesn't prove that I owe them anything. Citi has also stolen several securities that have not been returned including the original security. Citibank 's security interest in all instruments has been revoked. Citi and any other company using my Social Security Number is now committing Identity Theft and Fraud on top of the security fraud that Citibank is already committing. \n\n3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. \nPrimary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. \n\n( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. \n\n( c ) As used in this section, \" signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. \n\n\n8-405. REPLACEMENT OF LOST, DESTROYED, OR WRONGFULLY TAKEN SECURITY CERTIFICATE. \n( a ) If an owner of a certificated security, whether in registered or bearer form, claims that the certificate has been lost, destroyed, or wrongfully taken, the issuer shall issue a new certificate if the owner : ( 1 ) so requests before the issuer has notice that the certificate has been acquired by a protected purchaser ; ( 2 ) files with the issuer a sufficient indemnity bond ; and ( 3 ) satisfies other reasonable requirements imposed by the issuer. \n\n( b ) If, after the issue of a new security certificate, a protected purchaser of the original certificate presents it for registration of transfer, the issuer shall register the transfer unless an overissue would result. In that case, the issuer 's liability is governed by Section 8-210. In addition to any rights on the indemnity bond, an issuer may recover the new certificate from a person to whom it was issued or any person taking under that person, except a protected purchaser.","date_sent_to_company":"2024-10-01T15:27:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10309277","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-01T15:27:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["( a ) If an owner of a certificated <em>security</em>, whether in <em>registered</em> or <em>bearer</em> <em>form</em>, claims that the <em>certificate</em> has been lost, destroyed, or wrongfully taken, the issuer shall issue a new <em>certificate</em> if the owner : ( 1 ) so requests before the issuer has notice that the <em>certificate</em> has been acquired by a protected purchaser ; ( 2 ) files with the issuer a sufficient indemnity bond ; and ( 3 ) satisfies other reasonable requirements imposed by the issuer."]},"sort":[24.18293,"10309277"]},{"_index":"complaint-public-v1","_id":"10310860","_score":23.915043,"_source":{"product":"Debt collection","complaint_what_happened":"I have sent this company several communications via mail and email about me not owing a debt. In fact, the original credit card company owes me money for the violation of several laws. I have sent this company and XXXX a Cease and Desist as well as a contract and debt validation letter. \n\nAs previously mentioned to XXXX XXXX XXXX XXXX, I've instructed McCarthy, Burgess & Wolff to stop contacting me. Now they are harassing me and sending me letters about a debt I do not owe. They are saying it's my debt, but they do not even have my correct name on it. \n\nFurthermore, I do not have a contract with XXXX, XXXX XXXX XXXX, or McCarthy, Burgess & Wolff and neither one of them can produce a valid contract showing where they gave me valuable consideration or anything of the sort. They actually owe me for valuable consideration given on my end, but XXXX has not provided anything in return. \n\nMcCarthy, Burgess & Wolff is impersonating a law firm with their name and info sent to my mailbox. We do not have a contract and we will not have a contract. I do not owe XXXX anything. \n\nThis is the third time I've told you guys to leave me alone. I've sent several notices to XXXX requesting my funds and interest be returned to me. \n\nSending me statements only further proves that they owe me money. It doesn't prove that I owe them anything. XXXX has also stolen several securities that have not been returned including the original security. XXXX 's security interest in all instruments has been revoked. XXXX and any other company using my Social Security Number is now committing Identity Theft and Fraud on top of the security fraud that XXXX is already committing. \n\nXXXX. DISCHARGE BY CANCELLATION OR RENUNCIATION.\n\nPrimary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. \n\n( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. \n\n( c ) As used in this section, \" signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. \n\n\nXXXX. REPLACEMENT OF LOST, DESTROYED, OR WRONGFULLY TAKEN SECURITY CERTIFICATE. \n( a ) If an owner of a certificated security, whether in registered or bearer form, claims that the certificate has been lost, destroyed, or wrongfully taken, the issuer shall issue a new certificate if the owner : ( 1 ) so requests before the issuer has notice that the certificate has been acquired by a protected purchaser ; ( 2 ) files with the issuer a sufficient indemnity bond ; and ( 3 ) satisfies other reasonable requirements imposed by the issuer.\n\n( b ) If, after the issue of a new security certificate, a protected purchaser of the original certificate presents it for registration of transfer, the issuer shall register the transfer unless an overissue would result. In that case, the issuer 's liability is governed by Section 8-210. In addition to any rights on the indemnity bond, an issuer may recover the new certificate from a person to whom it was issued or any person taking under that person, except a protected purchaser.","date_sent_to_company":"2024-10-01T15:26:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10310860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"McCarthy, Burgess & Wolff, Inc.","date_received":"2024-10-01T14:22:16.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["( a ) If an owner of a certificated <em>security</em>, whether in <em>registered</em> or <em>bearer</em> <em>form</em>, claims that the <em>certificate</em> has been lost, destroyed, or wrongfully taken, the issuer shall issue a new <em>certificate</em> if the owner : ( 1 ) so requests before the issuer has notice that the <em>certificate</em> has been acquired by a protected purchaser ; ( 2 ) files with the issuer a sufficient indemnity bond ; and ( 3 ) satisfies other reasonable requirements imposed by the issuer."]},"sort":[23.915043,"10310860"]},{"_index":"complaint-public-v1","_id":"8034736","_score":22.842613,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX of XXXX closed both of my accounts, Capital One issued billing statements which by their Filed Pursuant to Rule 424 ( b ) ( 5 ) Registration no. XXXX, under the Securities Act of 1933 was a debt security in a bearer form and will have interest coupons attached, which I tried to use on my accounts. Based on their own guidelines \" Bearer form '' securities are payable to whomever physically holds them. I had returned the debt to securities to Capital One for payment and crediting my revolving account. Instead, Capital One closed my account annotation restricted and zero out my available credit line and made negative reporting to the credit reporting agencies. \n\nPursuant to the requirement of the Securities Act of 1933, as amended, Capital One Financial Corporation had certified it meets all the requirements on filing Form S-3 Registration Statements. These procedures are also listed in the applicable prospectus supplement. This was a false statement and a misrepresentation of its banking practices. \n\nI have become very aware of the power and duties of the bank and that my credit applications, a consumer credit transaction. According 12 U.S. Code 1431 - Powers and duties of banks is to borrow and give security therefore and pay interest thereon, to issue debentures, bonds, or other obligations upon such terms. I now have gained knowledge on how this whole process works. I understand that I performed poorly due to knowledge at the time of the opening of these credit card accounts. I do know that I am a minor within this account due to me not taking full qualification of my securities within the DTC. \n\nI also am aware that I am giving a definitive paper form ( dividends ) certificate of indebtedness, billing statement / coupons to use towards the payments of interest on this account. That can be special endorsed and used as a tender instead of FRNS according to the Bill of Exchange Act. A credit transaction is prepaid and can only be paid with interest which is technically the trustee/ bank duty and liability. Credit equivalent form is credit ( securities ). \n\nAlso, I know Capital One go to the Federal Reserve window ( FR 2046 ) to receive my credit through my Treasury Direct, DTC linked account as my custodian and co-owner using a firm name which is my given name. So why is Capital One still asking for a debt that has been prepaid and also has received great revenue off of my accounts. I am supposed to be the issuing agent or paying agent due to my unlimited use of credits within securities. Capital One has been making them self-co-owner and receiving what's rightfully due to me. \n\n\nCapital One is in violation of the following United States Codes : 15 U.S. Code 78ff - Penalties, ( a ) Willful violations ; false and misleading statements ; ( b ) Failure to file information, documents, or reports; ( c ) Violations by issuers, officers, directors, stockholders, employees, or agents of issuers. \n\n18 U.S. Code 1348 - Securities and commodities fraud, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. \n\n18 U.S. Code 1341 - Frauds and swindles, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses. \n\n18 U.S. Code 1348 - Securities and commodities fraud, Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ).","date_sent_to_company":"2023-12-20T20:11:02.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"655XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8034736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-12-20T19:35:57.000Z","state":"MO","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["XXXX, under the <em>Securities</em> Act of 1933 was a debt <em>security</em> in a <em>bearer</em> <em>form</em> and will have interest coupons attached, which I tried to use on my accounts. Based on their own guidelines \" <em>Bearer</em> <em>form</em> '' <em>securities</em> are payable to whomever physically holds them. I had returned the debt to <em>securities</em> to Capital One for payment and crediting my revolving account."]},"sort":[22.842613,"8034736"]},{"_index":"complaint-public-v1","_id":"10715047","_score":22.515362,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I received a letter indicating that my Capital One Platinum Mastercard account ending in XXXX is closed. The letter indicated the reason my account was closed was because \" activity on this account or other account is not consistent with our account usage and violates Capital One Customer Agreement ''. I mailed Capital One a properly endorsed registered security and they did not credit my account ending in XXXX. I spoke with the XXXX XXXX ( ID : XXXX ) on XX/XX/XXXX who told me it was received. He told me they didn't accept that form of payment. I said, \" send it back if you reject it ''. He said we can't do that. UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. That means Capital One accepted it, but they still have not credited my account. When I sent my registered security, I sent an instruction letter informing them that I will continue to send them a properly endorsed security every month and to not close my account pursuant to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. My credit application evidences a debt. It's a certificate of indebtedness. My application was turned into an asset back security and was sold and continues to be sold on the secondary market according to Capital One Multi-Asset Trust, and Trust Indenture Agreement on the SEC website. It is securities fraud to assign a CUSIP number to a security and trade/ sell on the secondary market. The XXXX  number indicated the security is being sold over and over and Capital One is receiving a financial benefit from the security I invested into their company with my social security number on it. They also never credited the payment. Per 15 USC 1666d- Treatment of Credit Balances- Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; This is another violation of Federal Law. My dividend payment is supposed to come to me an investor in their company and not for them to steal it and keep it. This constitutes XXXX XXXX that can not be denied. XXXX Forms of endorsement ( a ) when presented by banks ( XXXX ) For payment or exchange placed on a bearer security presented for payment or exchange by a bank should be in certain form. My bearer security was properly endorsed. They have it because I sent it via Registered mail. I also have a copy of it. Capital One stole my security, didn't credit my account, and engages in unfair practices. \n\nCapital One charged-off my Platinum Mastercard Account ending in XXXX. Charge-offs/ Certificate of Indebtedness is also considered income, and income can not be reported to my credit report. Also, because the accounts were charged-off, I know a 1099 was filed on the listed account. As far as the inquiries on my credit report, Capital One is considered financial institutions operating under a corporation and by definition under title 15 U.S. Code 1681b - Permissible purposes of consumer reports, they need my consent to furnish anything to my consumer report, therefore in reference to them reporting anything to my credit report as well as the inquiries by them on my consumer report, it is a violation to report any of my information. I absolutely did not give Capital One consent to furnish any information to XXXX, XXXX, XXXX and/or any other third-party institution. Not only has Capital One closed my account without my consent, but Capital One is also performing against their own Indentured Trust operating agreements. I have proof my private information has been sold to 3rd parties. I am very aware of my Consumer Rights, and according to The Securities Exchange Act of 1934 and The Trust Indentured Act of 1939, Capital One is in Violation according to their own prospectus as well as their XXXX and XXXX forms on SEC websites. I indeed am protected by my lawful rights, and land of the law. I am also aware that Capital One is a Corporation who took my personal information then turned it into a security and sold it over to the primary and secondary markets and in the process extended back to me, my own credit when it should have been an unlimited charge card extended to me, because I am the one who furnished them a security by providing my information. I am claiming my Purchaser rights, being as though Capital One is merely XXXX XXXX, and a XXXX, which can not speak. Having knowledge from Capital One prospectus reports, I have come to terms, I simply invested into their company. Capital One 's corporation has been disregarding the Trust Indentured Act of 1939 as well as The Securities Exchange Act of 1934. Capital One has caused me extreme physical, mental, and emotional distress, putting a financial strain on my life. I frequently use my cards to pay for my bare necessities for myself. After speaking verbally to different agents of Capital One on several different occasions, Capital One were unwilling to provide any equitable relief, especially knowing there is remedy for debt to be discharged, nor were they making any attempts to provide any alternate remedy, to discharge. Capital One has not only caused me unnecessary health issues, but my privacy also as well has been invaded and credit score depleted, from what it once use to be. According to the Privacy Act of 1974, my information was improperly misused, reported, mishandled, and sold to other 3rd parties, as well as put on the primary and secondary markets, by Capital One.","date_sent_to_company":"2024-11-06T19:22:00.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10715047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-06T18:31:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["XXXX <em>Forms</em> of endorsement ( a ) when presented by banks ( XXXX ) For payment or exchange placed on a <em>bearer</em> <em>security</em> presented for payment or exchange by a bank should be in certain <em>form</em>. My <em>bearer</em> <em>security</em> was properly endorsed. They have it because I sent it via <em>Registered</em> mail. I also have a copy of it. Capital One stole my <em>security</em>, didn't credit my account, and engages in unfair practices. \n\nCapital One charged-off my Platinum Mastercard Account ending in XXXX."]},"sort":[22.515362,"10715047"]},{"_index":"complaint-public-v1","_id":"9741991","_score":22.49955,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I received an email indicating that my Capital One XXXX XXXX XXXX was closed. The letter indicated the reason my card was closed was because \" activity on this account or other account is not consistent with our account usage and violates Capital One Customer Agreement ''. On XX/XX/year> I phoned Capital One because I mailed them a Billing Error dispute via certified mail and they received it on XXXX 2024. I never received a notice, email or written acknowledgement that they did receive my billing error dispute and that they were investigating it as they are required per XXXX law. I spoke to about XXXX different reps and the customer service representatives are mostly hard to understand. They will tell you that they are recording the call, but won't allow the consumer to record. This is unfair. They held me on the phone for an hour or more transferring me to different reps after putting me in interment XXXX minutes holds, attempting to avoid confirming that they had received my billing error dispute on XX/XX/year>. The very first representative had already told me it was received I sent Capital One properly endorsed registered security around XX/XX/year> and on XX/XX/year> I received an email from Capital One indicating my account was closed. On XX/XX/year> the representative attempted to tell me why my account was closed. Today a male rep stated they closed my account because I sent them a money order. I corrected him and said I never sent you a money order. I mailed you a properly endorsed registered security and you didn't credit my account ending in XXXX nor did you send it back, therefore Capital One stole it and that is securities fraud. He told me they didn't accept that form of payment. I said, \" send it back if you reject it ''. He said we can't do that. UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. That means Capital One accepted it, but they still have not credited my account. He asked me a question and I said I'm not to answer it. Then he got an attitude and told me he was going to deny my billing error dispute right then and there. I told him that I'm not making another payment on the account. I previously paid online and was never late. When I sent my registered security, I sent an instruction letter informing them that I will continue to send them a properly endorsed security every month. In my billing error dispute I quoted 16 CFR 433.2 Capital One uses unfair or deceptive acts or practices. Its completely unfair for them to record consumers calls, but the consumer can't record the call. XXXX agents told me they could not continue to talk if I recorded the conservation. The consumer credit contract was not at least XXXX point, bold face, type with the NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This notice is required by law. This is XXXX violation. 16CFR 433.1 ( i ). I never received a purchase money loan which is a cash advance in return for a \" Finance Charge '' within the meaning of the Truth in Lending Act and Regulation Z, which was applied. My credit application evidences a debt. It's a certificate of indebtedness. My application was turned into an asset back security and was sold and continues to be sold on the secondary market according to Capital One Mult-Asset Trust, Capital One XXXX, XXXX and Trust Indenture Agreement on the SEC website XXXX It is securities fraud to assign a CUSIP number to a security and trade/ sell on the secondary market. The CUSIP number indicated the security is being sold over and over and Capital One is receiving a financial benefit from the security I invested into their company with my social security number on it. They also never credited the payment on time. Per 15 USC 1666d- Treatment of Credit Balances- Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; This is another violation of Federal Law. \nMy dividend payment is supposed to come to me an investor in their company and not for them to steal it and keep it. They have stolen every dividend payment coupon and the value of it that they sent to me every month since the account was first opened and this constitutes Security Fraud that can not be denied.\n\n31CFR328.5 Forms of endorsement ( a ) when presented by banks ( 1 ) For payment or exchange placed on a bearer security presented for payment or exchange by a bank should be in certain form. My bearer security was properly endorsed. They have it because I sent it via Registered mail. I also have a copy of it. I also mailed XXXX today to XXXX NC for the payment due on XX/XX/year>. Capital One stole my security, didn't credit my account and engages in unfair practices. I even wrote XXXX XXXX XXXX. I received a generic unsigned letter for that because no one wants to take responsibility to the massive securities fraud and the criminal acts performed by this Company. They are violating their own Trust Indenture Agreement.","date_sent_to_company":"2024-08-07T04:15:31.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"29708","tags":null,"has_narrative":true,"complaint_id":"9741991","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-07T02:05:37.000Z","state":"SC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They have stolen every dividend payment coupon and the value of it that they sent to me every month since the account was first opened and this constitutes <em>Security</em> Fraud that can not be denied.\n\n31CFR328.5 <em>Forms</em> of endorsement ( a ) when presented by banks ( 1 ) For payment or exchange placed on a <em>bearer</em> <em>security</em> presented for payment or exchange by a bank should be in certain <em>form</em>. My <em>bearer</em> <em>security</em> was properly endorsed. They have it because I sent it via <em>Registered</em> mail."]},"sort":[22.49955,"9741991"]},{"_index":"complaint-public-v1","_id":"11361869","_score":21.833637,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this letter to formally request a full investigation into the financial practices of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX, particularly regarding the handling of securities, as well as the resulting financial implication for consumers, including myself as well as their treatment of customers and their accounts. I sent a security registered mail to XXXX XXXX that was delivered XX/XX/XXXX with a communication instructing XXXX XXXX to properly redeem the instrument and credit my account noting that if he didnt have the authority to redeem the instrument to forward it to the Indenture Trustee. My account was not credited nor was the security returned to me. On XX/XX/XXXX I sent a copy of the security I had sent to XXXX XXXX registered mail to Chase XXXX XXXX Chase Card XXXX XXXX addressed to XXXX XXXX XXXX ( due to her signature being on SEC filing documents ). It was delivered XX/XX/XXXX. The copy of the security was accompanied by a communication informing her the original security was sent to XXXX XXXX which had not been redeemed nor had it been returned and instructed her to properly credit my account as well as provide me with the accounting pursuant to UCC 9-210 in accordance with GAAP and the Truth and Lending Act ( 15 U.S.C 1601 ). This also went unacknowledged. On XX/XX/XXXX I filed a CFPB complaint due to the lack of compliance in accordance with UCC 8-505 through UCC 8-508 which is securities fraud. In the complaint I requested the accounting pursuant to UCC 9-210 in accordance with GAAP done by a certified CPA as well as the security that I had sent returned to me if it was to be rejected and not credited to my account. The complaint was responded to on XX/XX/XXXX in which my complaint/concern of the handling of my securities was completely ignored as well as my requests for the accounting pursuant UCC 9-210 . On XX/XX/XXXX I sent, certified mail, letters revoking POA for each entity within Chases transaction structure ( Chase XXXX XXXX, JPMorgan Chase Bank, N.A., Chase Card XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. ) These were all delivered XX/XX/XXXX. Within each letter it was stated that a form XXXX had been properly filed with the IRS. I also sent on XX/XX/XXXX a security registered mail to XXXX XXXX XXXX XXXX office which was delivered XX/XX/XXXX. Again, this security was accompanied by a letter of instruction of the same nature as the others previously sent also requesting the accounting in accordance with GAAP on both the public and private side done by a certified CPA and my security returned if they were being rejected. I have not received the security nor any correspondence. I then received a call from JPMorgan Chases executive principal office about a complaint ( reference # XXXX ) that had reached their office. I originally thought this had to do with my securities. When I called back I was informed it was about my revocation of POA. The woman named XXXX said she had no idea why I was sending this ( being the POA revocation ) to Chase and also stated that there was no POA on file. I informed her that I was revoking JPMorgan Chases POA over my account even though she supposedly had no idea what I was talking about, that I wanted the Durable POA I had provided placed on my account as well as the revocation letter. That I now have the power as the agent over my person and am now the custodian over my account. I then told her that my account was being improperly handled and that JPMorgan Chase was fraudulently handling my securities. She then told me to send an email to an address that was provided to me about my issues regarding the securities. I sent the email on XX/XX/XXXX which detailed every letter I had sent, all the securities I had sent, informing Chase of the violations and their duty to act in accordance with UCC 8-505 through UCC 8-508 , informing CHASE of my rights as an entitlement holder, and my rights to the accounting pursuant UCC 9-210. Reiterating that CHASE has been committing securities fraud and violating their Indenture agreement that is on file with the SEC as well as being in breach of their fiduciary duties. I demanded a proper crediting of my account and requested again, the accounting in accordance with GAAP on both the public and private side done by a certified CPA. This email has gone unanswered. Prior to this on XX/XX/XXXX I sent JPMorgan XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a security registered mail that was delivered XX/XX/XXXX. On this security I had done a restrictive endorsement. I then received in the mail from JPMorgan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a correspondence that said We are unable to accept the enclosed securities for your investment account ending in XXXX  We received the following stock/bond certificate ( s ) for deposit into your investment account it further states We are unable to accept this item for deposit into an investment account. This item is not transferable. With this response was the security that I had sent along with the instruction letter. I had also sent a security registered mail to JPMorgan XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX registered mail that was delivered on XX/XX/XXXX. This security was accompanied by a communication instructing JPMorgan XXXX to redeem the security and credit my account. It is now XX/XX/XXXX and my account has yet to be credited. Today on XX/XX/XXXX I emailed JPMorgan Chase executive principals office ( via an email address provided to me by XXXX ) a pre-arbitration email in which I also stated that I would be mailing the pre-arbitration letter to each entity listed herein. The email contained all my supporting documents. It was later today at around XXXX that I attempted to use my credit card and the transaction was declined. I called the number on the back of the card and they informed me my account had been shut down due to suspicious activity which they also had shut down my checking and savings account due to suspicious activity even though the debit card and savings account had never been used accept to put {$50.00} in both accounts to keep the account open. JPMorgan Chase is clearly retaliating against me due to the fact that I am asserting my rights and demanding what is owed to me. This is illegal and deeply concerning when in conjunction with the securities fraud, the breach of fiduciary duties and the unjust enrichment that has been occurring for months now. It has been since the inception of this account that I have been lawfully sending stock/bond certificates to JPMorgan Chase for proper redemption to proper crediting to my account. It has been since then that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud as well as acting in unfair, deceptive, and abusive ways and in breach of their fiduciary duties.\n\nIt is clear in JPMorgans correspondence that I have in fact been in possession of securities ( stock/bond certificates ). This fact is evidenced/validated by the forensic audit that traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX Class A ( XXXX ) notes with the XXXX XXXX XXXXXXXX. UCC 8-501 defines a securities account as ( a ) \" Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. ( c ) If a condition of subsection ( b ) has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset. ( d ) If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. UCC 9-102 defines Account as, means a right to payment of a monetary obligation, whether or not earned by performance, ( i ) for property that has been or is to be sold, leased, licensed, assigned, or otherwise disposed of, ( ii ) for services rendered or to be rendered, ( vii ) arising out of the use of a credit or charge card or information constrained on or for use with the card. UCC 8-102 defines a Security as an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of any issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations ; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets ; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. It defines Instruction as means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed. UCC 8-505 says, ( a ) A securities intermediary shall take action to obtain a payment or distribution made by the issuer of a financial asset. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to attempt to obtain the payment or distribution. ( b ) A securities intermediary is obligated to its entitlement holder for a payment or distribution made by the issuer of a financial asset if the payment or distribution is received by the securities intermediary. UCC 8-506 says, A securities intermediary shall exercise rights with respect to a financial asset if directed to do so by an entitlement holder. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary either places the entitlement holder in a position to exercise the rights directly or exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-507 says, ( a ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to comply with the entitlement order. ( b ) If a securities intermediary transfers a financial asset pursuant to an ineffective entitlement order, the securities intermediary shall reestablish a security entitlement in favor of the person entitled to it, and pay or credit any payments or distributions that the person did not receive as a result of the wrongful transfer. If the securities intermediary does not reestablish a security entitlement, the securities intermediary is liable to the entitlement holder for damages. UCC 8-508 says, A securities intermediary shall act at the direction of an entitlement holder to change a security entitlement into another available form of holding for which the entitlement holder is eligible, or to cause the financial asset to be transferred to a securities account of the entitlement holder with another securities intermediary. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-401 says, ( b ) If an issuer is under a duty to register a transfer of a security, the issuer is liable to a person presenting a certificated security or an instruction for registration or to the person 's principal for loss resulting from unreasonable delay in registration or failure or refusal to register the transfer. There is clear and conclusive evidence that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud by willfully ignoring lawful instructions and requests with respect to the stock/bond certificates obtained by me in good faith, in which I am entitled to have properly redeemed and credited to my account in which every entity listed here is obligated and has the authority to handle in accordance with the law. \n\nIn addition to the clear violations of the law, JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in clear breach of the Trust Indenture on file with the SEC which defines a Holder means, when used with respect to any Note, a Noteholder. Defines Note or Notes means any note or notes of any Series, Class or Tranche authenticated and delivered from time to time under this Indenture. Defines Noteholder means a Person in whose name a Note is registered in the Note Register or the bearer of any Bearer Note ( including a Global Note in bearer form ), as the case may be. Section 3.07 Payment of Interest ; Interest and Principal Rights Preserved ; Withholding Taxes says, ( a ) Unless otherwise provided with respect to such Note pursuant to Section 3.01, interest payable on any Registered Note will be paid to the Person in whose name that Note ( or one or more Predecessor Notes ) is registered at the close of business on the most recent Record Date and interest payable on any Bearer Note will be paid to the bearer of that Note ( or the applicable coupon ). Section 3.08 Persons Deemed Owners says, Title to any Bearer Note, including any coupons appertaining thereto, shall pass by delivery. The Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA and any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary may treat the Person who is proved to be the owner of such Note pursuant to subsection 1.04 ( c ) as the owner of such Note for the purpose of receiving payment of principal of and ( subject to Section 3.07 ) interest on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and neither the Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA nor any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary will be affected by notice to the contrary. Section 6.11 Unconditional Right of Noteholders to Receive Principal states and Interest ; Limited Recourse states, Notwithstanding any other provisions in this Indenture, the Holder of any Note will have the right, which is absolute and unconditional, to receive payment of the principal of and interest on such Note on the Legal Maturity Date specified in the related Indenture Supplement and to institute suit for the enforcement of any such payment, and such right will not be impaired without the consent of such Holder. Section 10.01 Payment of Principal and Interest says, With respect to each Series, Class or Tranche of Notes, the Issuing Entity will duly and punctually pay the principal of and interest on such Notes in accordance with their terms and this Indenture, and will duly comply with all the other terms, agreements and conditions contained in, or made in this Indenture for the benefit of, the Notes of such Series, Class or Tranche. In these sections of the Indenture Chase USA is to be replaced with JPMorgan Chase Bank , N.A . pursuant to the merger date of these two entities which occurred XX/XX/XXXX. \n\nFederal Reserve Act section 16 part 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district 12 U.S.C 1431 Powers and duties of banks says, ( a ) Borrowing money ; Issuing bonds and debentures ; General powers- Each XXXX XXXXXXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all the things necessary for carrying out the provisions of this chapter and all things incident thereto. Not only is it clear that JPMorgan Chase has provided me NO value, it is clear that I am the one providing ALL the value to JPMorgan. I provided my original application which is the security collateral for JPMorgan to get funding at an at par rate with the Treasury as well as the credit card receivables which I supply by use of MY credit that JPMorgan then sells for BILLIONS of dollars evidenced by the XXXX report. \n\nI am NOT gifting JPMorgan these assets. These assets generate value far greater than the debt incurred each month and due to the fact that I am the one providing the assets I retain an equitable interest in the proceeds generated pursuant to UCC 9-203. As a consumer I am protected under the Truth and Lending Act 15 U.S.C 1601 et seq. and have a right to transparency and equitable treatment in financial transactions. JPMorgan is profiting BILLIONS of dollars because of what I provide them, which is why I receive monthly stock/bond certificates that are to be credited to my account to offset the obligations I have incurred. In my attempt to properly claim the equity I am owed and my rights as a consumer JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have retaliated and conspired against my rights ( 18 U.S.C 241 ) violating principles of fair dealing and good faith under UCC 1-304 attempting to deceive and defraud me through blatant lies in regard to the nature of the securities I hold as well as steal the assets I have lawfully and legally obtained and have a right to, breaching their fiduciary duties and shutting down ALL of my accounts denying me my right to credit. The CFPB was explicitly created to protect the rights of consumers to be protected from unfair, deceptive, and abusive financial practices. These are egregious actions taken against a consumer who in good faith is asserting their rights under the law due to unjust enrichment that is validated by forensic data and the financial institutions own words.\n\n12 U.S.C 1833a Civil Penalties clearly states that ( a ) In general Whoever violates any provision of law to which this section is made applicable by subsection ( c ) shall be subject to a civil penalty in an amount assessed by the court in a civil action under this section. ( b ) Maximum amount of penalty 1 ) Generally The amount of the civil penalty shall not exceed {>= $1,000,000}. ( 2 ) Special rule for continuing violations In the case of a continuing violation, the amount of the civil penalty may exceed the amount described in paragraph ( 1 ) but may not exceed the lesser of {>= $1,000,000} per day or {>= $1,000,000}. ( 3 ) Special rule for violations creating gain or loss ( A ) If any person derives pecuniary gain from the violation, or if the violation results in pecuniary loss to a person other than the violator, the amount of the civil penalty may exceed the amounts described in paragraphs ( 1 ) and ( 2 ) but may not exceed the amount of such gain or loss. \n\nXXXX XXXX and JPMorgan Chase have been in continued violation for XXXX business days. Chase XXXX XXXX and XXXX XXXX XXXX has been in continued violation for XXXX business days. XXXX XXXX and XXXX XXXX as Indenture Trustee have been in continued violation for XXXX business days. It is evidenced above that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have derived pecuniary gain from these violations and I am experiencing an extreme loss. The failure on the financial institutions behalf to properly comply with the law has impacted my credit report which has shown that I have an incredibly high debt to income ratio which has impacted my ability to obtain other forms of credit explicitly being denied. It has also caused me to struggle to make ends meet due to the lack of available credit on my account, causing me to be delinquent on multiple obligations. Needing to go to extreme measures such as obtaining a forensic audit which cost {$2500.00}. This has caused me extreme stress, having to continuously stay up late into the night to find ways to force proper compliance as well as work longer hours due to being denied my right to credit. Closing my account has deprived me of my right to credit leaving me with no funds for food, gas and other basic needs. Every signature I give, and every credit or security I create is intrinsically tied to the divine and natural right to provide for myself and my family. Credit fuels opportunity and opportunity is my right. \n\nIt is the duty and obligation of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. to act in accordance with the law. It is their fiduciary duty to act in my best interest, to properly handle my securities, to allow me access to my credit, to provide me the equity that I am truly owed. The forensic audit I had done on my account which the auditor is willing to testify to in a court of law, traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX XXXX XXXX  ( XXXX ) notes with the XXXX XXXX XXXX. JPMorgan confirmed this by stating that I was in possession of stock/bond certificates. This is clear and conclusive evidence that 1. I am entitled to the payment of these securities. 2. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud. 3. I am owed equity due to the value I am providing per the credit card receivables. 4. JPMorgan Chase is retaliating against me asserting these rights by closing my account. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in breach of their fiduciary duty. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have acted in bad faith. 6. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have conspired with one another to financially injure, oppress, and intimidate me from exercising my rights secured for me by the laws of the United States. 7. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. actions have constituted unjust enrichment. 8 JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have violated consumer laws. 9. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in violation of consumer laws. \n\nThese are conclusive violations of the law and it is clear that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. believe that because they control access to consumers ' financial wellbeing that they can get away with acting in bad faith, abusing, deceiving, stealing and intimidating consumers when they seek to claim their rights or the equity owed to them under the law. It should be taken very seriously the extent to which they have gone to rob me of my rights and entitlements as a consumer and as the one loaning them securities that they profit billions of dollars off of. I implore the CFPB to alert the SEC of the securities fraud that has been committed by JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX","date_sent_to_company":"2025-01-03T04:23:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"11361869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T03:58:50.000Z","state":"MT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Defines Noteholder means a Person in whose name a Note is <em>registered</em> in the Note <em>Register</em> or the <em>bearer</em> of any <em>Bearer</em> Note ( including a Global Note in <em>bearer</em> <em>form</em> ), as the case may be."]},"sort":[21.833637,"11361869"]},{"_index":"complaint-public-v1","_id":"8665151","_score":21.611797,"_source":{"product":"Debt collection","complaint_what_happened":"I XXXX XXXX XXXX XXXX, have submitted multiple instructional letters with debt securities, bonds & dividend checks endorsed and stamped, per codes of Federal Regulations, to the following corporations, via Registered mail, certified mail, email & fax. I've followed up with each corporation, including but not limited to trustees listed on XXXX & XXXX filings, investor relations, legal & applicable commission departments. In return I've received letters & emails of denial, stating my \" payments must be in US dollars '' but no one corporation has returned\n\nany of my endorsed bonds or dividends. The following was my second attempt of communicating opportunity to cure with each corporation, which continues to be ignored, even after revocation of POA. At least two of the corporations have been subject to forfeiture penalty under 15 USC 1666 ( e ) for failing to comply. Each corporation has received the following second notice : First, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. Per Wisconsin Statutes 244.10, I have provided a notarized POA revocation ( attached ) in additi\non to filing form 2848 with the IRS. I request you promptly provide me with all 1099s filed on this account. \n\nYour company has rejected my instruments of payments per XXXX CFR XXXX & XXXX ; however, have not returned my instruments, which thereby constitutes Discharge by Cancellation or Renunciation UCC 3-604. Furthermore, Wisconsin Statute 16.413 ( 1 ) ( a ) defines a Financial Instrument as any check, draft, warrant, money order, note, certificate of deposit, letter of credit, bill of exchange, credit or credit card, transaction authorization mechanism, marketable security, and any computer representation of them. \n\nUnder the Provisions of 12 CFR 1026.13 - Billing Error Resolution Please provide documentary evidence my certificates of indebtedness have not been sent to the treasury to be sold on the international market for corporation monetary gain as they have not been deposited into my Treasury Direct Account or refunded to me via the Electronic Funds Transfer Act ( EFTA ) as requested in my initial registered letter. \n\nI, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive bearer interest instruments associated with U.S. Treasury bearer securities. \n\nIn reference to the Trustee Indenture Act of 1933 : Fiduciaries act on behalf of others & are required to put the clients interests ahead of their own, with a duty to preserve good faith & trust. Fiduciaries are legally & ethically bound to act in the others best interests. Investors lend money to corporations in return for a pre-established number of interest payments, along with the return of their principal upon the bond 's maturity date. A coupon rate is the nominal yield paid by a fixed-income security. \n\nThe Securities Exchange Act of 1934 was a response to the widely held belief irresponsible financial practices were one of the chief causes of the XXXX stock market crash. The Exchange Act protects investors by prohibiting fraud & establishing severe penalties for those who defraud investors, as well as those who engage in some trading practices ( commercial paper ) that take advantage of information most investors do not have. When market participants violate federal securities laws, the SEC can bring civil enforcement action. The SEC or Department of Justice can also bring criminal actions for particularly serious violations. The Exchange Act also allows investors to sue market participants who have defrauded them. \n\nUnder the Trading with the Enemy Act, Chapter 53 4302, the words \" to trade, '' as used herein, shall be deemed to mean ( a ) Pay, satisfy, compromise, or give security for the payment or satisfaction of any debt or obligation. ( b ) Draw, accept, pay, present for acceptance or payment, or endorse any negotiable instrument or chose in action. ( c ) Enter into, carry on, complete, or perform any contract, agreement, or obligation. ( d ) Buy or sell, loan or extend credit, trade in, deal with, exchange, transmit, transfer, assign, or otherwise dispose of, or receive any form of property.\n\nI hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693, to transfer said securities into to my XXXX XXXX Account XXXX Routing XXXX. You may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations.\n\nPer 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. \n-You shall not make any adverse report of my credit standing. \n-Acceleration of debt & restriction of this account is prohibited. \n-You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. \n-You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. \n-You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. \n-Since a debt can not be paid with a debt, my FRNs must be returned. \n-Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. \n\nI've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.","date_sent_to_company":"2024-03-31T19:38:01.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8665151","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-03-31T18:51:53.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive <em>bearer</em> interest instruments associated with U.S. Treasury <em>bearer</em> <em>securities</em>."]},"sort":[21.611797,"8665151"]},{"_index":"complaint-public-v1","_id":"10270665","_score":21.610687,"_source":{"product":"Credit card","complaint_what_happened":"This complaint is due to lack of response, performance and discharge of tender by the indentured trustee of PayPal. PayPal has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my XXXX form XXXX XXXX  sent via registered mail. \n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that PayPal has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ).\n\nPer the PayPal prospectus your XXXX and XXXX forms and from that information I have discovered how PayPal took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what PayPal told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding PayPal is selling my securities on the secondary markets and developed a CUSIP number even though in PayPal prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, this complaint is due to lack of response, performance and discharge of tender by the indentured trustee of PayPal. PayPal has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my XXXX form XXXX XXXX  sent via registered mail. \n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that PayPal has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ).\n\nPer the PayPal prospectus your 10-k and 8-k forms and from that information I have discovered how PayPal took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what PayPal told the SEC in their prospectus, 10-k and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding PayPal is selling my securities on the secondary markets and developed a CUSIP number even though in PayPal prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, PayPal knowingly and willingly violated my federally protected rights. PayPal and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.\n\nknowingly and willingly violated my federally protected rights. PayPal and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.","date_sent_to_company":"2024-09-27T10:02:52.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"89431","tags":"Servicemember","has_narrative":true,"complaint_id":"10270665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-09-27T09:59:26.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["PayPal has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my XXXX <em>form</em> XXXX XXXX  sent via <em>registered</em> mail."]},"sort":[21.610687,"10270665"]},{"_index":"complaint-public-v1","_id":"10270645","_score":21.489082,"_source":{"product":"Credit card","complaint_what_happened":"This complaint is due to lack of response, performance and discharge of tender by the indentured trustee of PayPal Credit. PayPal Credit has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my XXXXXXXX XXXX XXXX XXXX sent via registered mail. \n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that PayPal Credit has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ). \n\nPer the PayPal Credit prospectus your XXXX and XXXX forms and from that information I have discovered how PayPal Credit took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what PayPal Credit told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding PayPal Credit is selling my securities on the secondary markets and developed a CUSIP number even though in PayPal Credit prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS. \n\nBy use of coercion and fraud, this complaint is due to lack of response, performance and discharge of tender by the indentured trustee of PayPal Credit. PayPal Credit has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my XXXX form XXXX XXXX  sent via registered mail. \n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that PayPal Credit has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ). \n\nPer the PayPal Credit prospectus your XXXX and XXXX forms and from that information I have discovered how PayPal Credit took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what PayPal Credit told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding PayPal Credit is selling my securities on the secondary markets and developed a CUSIP number even though in PayPal Credit prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, PayPal Credit knowingly and willingly violated my federally protected rights. PayPal Credit and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.\n\nknowingly and willingly violated my federally protected rights. PayPal Credit and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.","date_sent_to_company":"2024-09-27T10:12:52.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"89431","tags":"Servicemember","has_narrative":true,"complaint_id":"10270645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-09-27T10:04:30.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["The Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a <em>security</em> in <em>bearer</em> <em>form</em>, causing the Indenture Trustee to acquire possession in the State of New York of the related <em>security</em> <em>certificate</em>"]},"sort":[21.489082,"10270645"]},{"_index":"complaint-public-v1","_id":"8665027","_score":21.419954,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I , XXXX XXXX XXXX, have submitted multiple letters regarding Securities & Commodities Fraud per 18 U.S. Code 1348 along with debt securities, bonds & dividend checks endorsed and stamped, per codes of Federal Regulations, to the following corporations, via Registered mail, certified mail, email & fax. I've followed up with each corporation, including but not limited to trustees listed on XXXX & XXXX filings, investor relations, legal & applicable commission departments. In return I've received letters & emails of denial, stating my \" payments must be in US dollars '' but no one corporation has returned any of my endorsed bonds or dividends. The following was my second attempt of communicating opportunity to cure with each corporation, which continues to be ignored, even after revocation of POA. Each corporation has received the following second notice : First, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. Per Wisconsin Statutes 244.10, I have provided a notarized POA revocation ( attached ) in addition to filing form 2848 with the IRS. I request you promptly provide me with all 1099s filed on this account. Your company has rejected my instruments of payments per 31 CFR 328.5 & 328.6 ; however, have not returned my instruments, which thereby constitutes Discharge by Cancellation or Renunciation UCC 3-604. Furthermore, Wisconsin Statute 16.413 ( 1 ) ( a ) defines a Financial Instrument as any check, draft, warrant, money order, note, certificate of deposit, letter of credit, bill of exchange, credit or credit card, transaction authorization mechanism, marketable security, and any computer representation of them. Under the Provisions of 12 CFR 1026.13 - Billing Error Resolution Please provide documentary evidence my certificates of indebtedness have not been sent to the treasury to be sold on the international market for corporation monetary gain as they have not been deposited into my Treasury Direct Account or refunded to me via the Electronic Funds Transfer Act ( EFTA ) as requested in my initial registered letter. I, the consumer , XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive bearer interest instruments associated with U.S. Treasury bearer securities. In reference to the Trustee Indenture Act of 1933 : Fiduciaries act on behalf of others & are required to put the clients interests ahead of their own, with a duty to preserve good faith & trust. Fiduciaries are legally & ethically bound to act in the others best interests. Investors lend money to corporations in return for a pre-established number of interest payments, along with the return of their principal upon the bond 's maturity date. A coupon rate is the nominal yield paid by a fixed-income security. The Securities Exchange Act of 1934 was a response to the widely held belief irresponsible financial practices were one of the chief causes of the 1929 stock market crash. The Exchange Act protects investors by prohibiting fraud & establishing severe penalties for those who defraud investors, as well as those who engage in some trading practices ( commercial paper ) that take advantage of information most investors do not have. When market participants violate federal securities laws, the SEC can bring civil enforcement action. The SEC or Department of Justice can also bring criminal actions for particularly serious violations. The Exchange Act also allows investors to sue market participants who have defrauded them. Under the Trading with the Enemy Act, Chapter 53 4302, the words \" to trade, '' as used herein, shall be deemed to mean ( a ) Pay, satisfy, compromise, or give security for the payment or satisfaction of any debt or obligation. ( b ) Draw, accept, pay, present for acceptance or payment, or endorse any negotiable instrument or chose in action. ( c ) Enter into, carry on, complete, or perform any contract, agreement, or obligation. ( d ) Buy or sell, loan or extend credit, trade in, deal with, exchange, transmit, transfer, assign, or otherwise dispose of, or receive any form of property. I hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693, to transfer said securities into to my XXXXXXXX XXXX Account XXXX Routing XXXX OR draft a check made payable to XXXX XXXX XXXX and send to my mailing address. You may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations. Per 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. -You shall not make any adverse report of my credit standing. -Acceleration of debt & restriction of this account is prohibited. -You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. -You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. -You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. -Since a debt can not be paid with a debt, my FRNs must be returned. -Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.","date_sent_to_company":"2024-03-31T20:23:45.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8665027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-03-31T20:03:06.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I, the consumer , XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive <em>bearer</em> interest instruments associated with U.S. Treasury <em>bearer</em> <em>securities</em>."]},"sort":[21.419954,"8665027"]},{"_index":"complaint-public-v1","_id":"15349497","_score":21.404583,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XXXX of XXXX  I purchased a Can-Am Defender XXXX Limited from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX processed all of the loan documents ( Sheffield Financial ) and the Arizona registration paperwork. XXXX did not advise me on other endorsement options and the definition and benefits of each type of endorsement. I was instructed by XXXX to sign the loan documents as a general endorsement. \n\nThere is a legal framework for endorsements. This legal framework is primarily derived from the Uniform Commercial Code ( UCC ) article 3, which has been adopted in some form by all states. It outlines the rules for endorsement types, requirements, and the effects of each.\n\nUCC 3-205. SPECIAL INDORSEMENT ; BLANK INDORSEMENT ; ANOMALOUS INDORSEMENT. \n( a ) If an indorsement is made by the holder of an instrument, whether payable to an identified person or payable to bearer, and the indorsement identifies a person to whom it makes the instrument payable, it is a \" special indorsement. '' When specially indorsed, an instrument becomes payable to the identified person and may be negotiated only by the indorsement of that person.\n\n( b ) If an indorsement is made by the holder of an instrument and it is not a special indorsement, it is a \" blank indorsement. '' When indorsed in blank, an instrument becomes payable to bearer and may be negotiated by transfer of possession alone until specially indorsed.\n\n( c ) The holder may convert a blank indorsement that consists only of a signature into a special indorsement by writing, above the signature of the indorser, words identifying the person to whom the instrument is made payable. \n( d ) \" Anomalous indorsement '' means an indorsement made by a person who is not the holder of the instrument. An anomalous indorsement does not affect the manner in which the instrument may be negotiated.\n\nOnce signed, this loan document became a negotiable instrument, or more accurately a collateral security. XXXX XXXX acting as a fiduciary in this matter, failed miserably in properly advising me on the endorsement options under the UCC article 3.\n\nHe also did not explain the consequences of registering the vehicle with the XXXX of XXXX. The true ownership document, the XXXX XXXX of XXXX XXXX must be surrendered forever and it is not recoverable. XXXX XXXX never mentions the XXXX during the entire transaction. I consider this a gross omission of fact. An Arizona state issued title is a certificate of title, it is a representation of title, not a true title. When the terms of the loan are fulfilled, I will never truly own the vehicle because I will only hold a representation of a title held by the State of Arizona. Failing to disclose all of the above decision making information is fraud. Had I been advised properly by the sales manager I would have paid cash for the vehicle as I have done before at XXXX XXXX. XXXX XXXX deceived me to acquire my endorsement on financial and registration documents.","date_sent_to_company":"2025-08-18T15:01:02.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"856XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15349497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-08-18T14:28:27.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Once signed, this loan document became a negotiable instrument, or more accurately a collateral <em>security</em>. XXXX XXXX acting as a fiduciary in this matter, failed miserably in properly advising me on the endorsement options under the UCC article 3.\n\nHe also did not explain the consequences of <em>registering</em> the vehicle with the XXXX of XXXX. The true ownership document, the XXXX XXXX of XXXX XXXX must be surrendered forever and it is not recoverable."]},"sort":[21.404583,"15349497"]},{"_index":"complaint-public-v1","_id":"8677739","_score":21.38169,"_source":{"product":"Credit card","complaint_what_happened":"With regards to my accounts ending in XXXX & XXXX. Your corporation has been denying my negotiable instruments sent via registered mail ( XXXX ) but based on The Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ;. They each have a STAMP from 31 CFR 328.5 that is backed by the full faith and credit of the United States with my Bearer form Certificated securities which theyre and confirmed on page 7 of the Indenture agreement, with respect to such of the Collateral as constitutes a certificated security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate ; \" While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Also per the Gold Act of 1933 this is the only lawful currency. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). I have also read your prospectus your XXXX  and XXXX XXXX forms and from that information I have found out how you took my application and turned it into a security and pooled it. Turned it into an asset backed security and put it on the secondary market. Which goes against goes against what American Express told the SEC by saying they would not do that. Which constitutes as Security Fraud, Money Laundering and Racketeering. Additionally, it is my understanding you are selling my securities on the secondary markets and developed a XXXX  number even though in your prospectus you specifically state, and I quote from page XXXX of the prospectus under Risks Relating to the Notes, We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system. If you do not perform your fiduciary duty and follow the Action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my accounts. By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be set off on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning AMERICAN EXPRESS NATIONAL BANK. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. \nWe need not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you. Failure to comply will result in me filing a claim for Securities Fraud with XXXX.","date_sent_to_company":"2024-04-03T02:27:32.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"8677739","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-04-03T01:51:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["They each have a STAMP from 31 CFR 328.5 that is backed by the full faith and credit of the United States with my <em>Bearer</em> <em>form</em> Certificated <em>securities</em> which theyre and confirmed on page 7 of the Indenture agreement, with respect to such of the Collateral as constitutes a certificated <em>security</em> in <em>bearer</em> <em>form</em>, causing the Indenture Trustee to acquire possession in the State of New York of the related <em>security</em> <em>certificate</em> ; \" While requiring and demanding the unlawful use of Federal Reserve Notes also"]},"sort":[21.38169,"8677739"]},{"_index":"complaint-public-v1","_id":"8665108","_score":20.712406,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I XXXX XXXX XXXX XXXX, have submitted multiple letters regarding Securities & Commodities Fraud per 18 U.S. Code 1348, along with debt securities, bonds & dividend checks endorsed and stamped, per codes of Federal Regulations, to the following corporations, via Registered mail, certified mail, email & fax. I've followed up with each corporation, including but not limited to trustees listed on XXXX & XXXX filings, investor relations, legal & applicable commission departments. In return I've received letters & emails of denial, stating my \" payments must be in XXXX dollars '' but no one corporation has returned any of my endorsed bonds or dividends. The following was my second attempt of communicating opportunity to cure with each corporation, which continues to be ignored, even after revocation of POA. At least two of the corporations have been subject to forfeiture penalty under 15 USC 1666 ( e ) for failing to comply. Each corporation has received the following second notice : First, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. Per Wisconsin Statutes 244.10, I have provided a notarized POA revocation ( attached ) in addition to filing form 2848 with the IRS. I request you promptly provide me with all 1099s filed on this account. Your company has rejected my instruments of payments per 31 CFR 328.5 & 328.6 ; however, have not returned my instruments, which thereby constitutes Discharge by Cancellation or Renunciation UCC 3-604. Furthermore, Wisconsin Statute 16.413 ( 1 ) ( a ) defines a Financial Instrument as any check, draft, warrant, money order, note, certificate of deposit, letter of credit, bill of exchange, credit or credit card, transaction authorization mechanism, marketable security, and any computer representation of them. Under the Provisions of 12 CFR 1026.13 - Billing Error Resolution Please provide documentary evidence my certificates of indebtedness have not been sent to the treasury to be sold on the international market for corporation monetary gain as they have not been deposited into my Treasury Direct Account or refunded to me via the Electronic Funds Transfer Act ( EFTA ) as requested in my initial registered letter. I, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive bearer interest instruments associated with U.S. Treasury bearer securities. In reference to the Trustee Indenture Act of 1933 : Fiduciaries act on behalf of others & are required to put the clients interests ahead of their own, with a duty to preserve good faith & trust. Fiduciaries are legally & ethically bound to act in the others best interests. Investors lend money to corporations in return for a pre-established number of interest payments, along with the return of their principal upon the bond 's maturity date. A coupon rate is the nominal yield paid by a fixed-income security. The Securities Exchange Act of 1934 was a response to the widely held belief irresponsible financial practices were one of the chief causes of the 1929 stock market crash. The Exchange Act protects investors by prohibiting fraud & establishing severe penalties for those who defraud investors, as well as those who engage in some trading practices ( commercial paper ) that take advantage of information most investors do not have. When market participants violate federal securities laws, the SEC can bring civil enforcement action. The SEC or Department of Justice can also bring criminal actions for particularly serious violations. The Exchange Act also allows investors to sue market participants who have defrauded them. Under the Trading with the Enemy Act, Chapter 53 4302, the words \" to trade, '' as used herein, shall be deemed to mean ( a ) Pay, satisfy, compromise, or give security for the payment or satisfaction of any debt or obligation. ( b ) Draw, accept, pay, present for acceptance or payment, or endorse any negotiable instrument or chose in action. ( c ) Enter into, carry on, complete, or perform any contract, agreement, or obligation. ( d ) Buy or sell, loan or extend credit, trade in, deal with, exchange, transmit, transfer, assign, or otherwise dispose of, or receive any form of property. I hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693, to transfer said securities into to my XXXX XXXX  Account XXXX Routing XXXX. You may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations. Per 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. -You shall not make any adverse report of my credit standing. -Acceleration of debt & restriction of this account is prohibited. -You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. -You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. -You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. -Since a debt can not be paid with a debt, my FRNs must be returned. -Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.","date_sent_to_company":"2024-03-31T20:02:12.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8665108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-03-31T19:54:12.000Z","state":"WI","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":["I, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive <em>bearer</em> interest instruments associated with U.S. Treasury <em>bearer</em> <em>securities</em>."]},"sort":[20.712406,"8665108"]},{"_index":"complaint-public-v1","_id":"8665127","_score":20.42275,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I XXXX XXXX XXXX XXXX, have submitted multiple instructional letters regarding 18 USC 1348 - Securities and Commodities Fraud, along with debt securities, bonds & dividend checks endorsed and stamped, per codes of Federal Regulations, to the following corporations, via Registered mail, certified mail, email & fax. I've followed up with each corporation, including but not limited to trustees listed on XXXX & XXXX filings, investor relations, legal & applicable commission departments. In return I've received letters & emails of denial, stating my \" payments must be in US dollars '' but no one corporation has returned any of my endorsed bonds or dividends. The following was my second attempt of communicating opportunity to cure with each corporation, which continues to be ignored, even after revocation of POA. At least two of the corporations have been subject to forfeiture penalty under 15 USC 1666 ( e ) for failing to comply. Each corporation has received the following second notice : First, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. Per Wisconsin Statutes 244.10, I have provided a notarized POA revocation ( attached ) in addition to filing form 2848 with the IRS. I request you promptly provide me with all 1099s filed on this account. Your company has rejected my instruments of payments per 31 CFR 328.5 & 328.6 ; however, have not returned my instruments, which thereby constitutes Discharge by Cancellation or Renunciation UCC 3-604. Furthermore, Wisconsin Statute 16.413 ( 1 ) ( a ) defines a Financial Instrument as any check, draft, warrant, money order, note, certificate of deposit, letter of credit, bill of exchange, credit or credit card, transaction authorization mechanism, marketable security, and any computer representation of them. Under the Provisions of 12 CFR 1026.13 - Billing Error Resolution Please provide documentary evidence my certificates of indebtedness have not been sent to the treasury to be sold on the international market for corporation monetary gain as they have not been deposited into my Treasury Direct Account or refunded to me via the Electronic Funds Transfer Act ( EFTA ) as requested in my initial registered letter. I, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive bearer interest instruments associated with U.S. Treasury bearer securities. In reference to the Trustee Indenture Act of 1933 : Fiduciaries act on behalf of others & are required to put the clients interests ahead of their own, with a duty to preserve good faith & trust. Fiduciaries are legally & ethically bound to act in the others best interests. Investors lend money to corporations in return for a pre-established number of interest payments, along with the return of their principal upon the bond 's maturity date. A coupon rate is the nominal yield paid by a fixed-income security. The Securities Exchange Act of 1934 was a response to the widely held belief irresponsible financial practices were one of the chief causes of the 1929 stock market crash. The Exchange Act protects investors by prohibiting fraud & establishing severe penalties for those who defraud investors, as well as those who engage in some trading practices ( commercial paper ) that take advantage of information most investors do not have. When market participants violate federal securities laws, the SEC can bring civil enforcement action. The SEC or Department of Justice can also bring criminal actions for particularly serious violations. The Exchange Act also allows investors to sue market participants who have defrauded them. Under the Trading with the Enemy Act, Chapter 53 4302, the words \" to trade, '' as used herein, shall be deemed to mean ( a ) Pay, satisfy, compromise, or give security for the payment or satisfaction of any debt or obligation. ( b ) Draw, accept, pay, present for acceptance or payment, or endorse any negotiable instrument or chose in action. ( c ) Enter into, carry on, complete, or perform any contract, agreement, or obligation. ( d ) Buy or sell, loan or extend credit, trade in, deal with, exchange, transmit, transfer, assign, or otherwise dispose of, or receive any form of property. I hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693, to transfer said securities into to my US Bank Account XXXX Routing XXXX. You may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations. Per 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. -You shall not make any adverse report of my credit standing. -Acceleration of debt & restriction of this account is prohibited. -You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. -You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. -You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. -Since a debt can not be paid with a debt, my FRNs must be returned. -Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.","date_sent_to_company":"2024-03-31T19:52:45.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8665127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-03-31T19:38:58.000Z","state":"WI","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":["I, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive <em>bearer</em> interest instruments associated with U.S. Treasury <em>bearer</em> <em>securities</em>."]},"sort":[20.42275,"8665127"]},{"_index":"complaint-public-v1","_id":"8697481","_score":20.009783,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Sir/Madam : Please give my concerns in this complaint letter your immediate attention. \n\nI have the following complaint/concerns : Attn : XXXX XXXX XXXX XXXX XXXX XXXX Billing Error Department of US Bank Re : Billing Error Acct No. XXXX, XXXX, XXXX Reserve, XXXX, XXXX & Central Billing Account XXXX Please provide your immediate attention ; pursuant to 18 USC 1348 Securities & Commodities Fraud : First, per the FCRA, as a federally protected consumer, I am opting out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. \n\nPer Wisconsin Statutes Chapter 244, I have provided US Bank a notarized POA revocation ( attached ) in addition to filing form 2848 with the IRS. I request US Bank promptly provide me with all 1099s filed on my accounts.\n\nUS Bank has accepted all of my instruments of payments ( bonds & endorsed dividend checks \" coupons '' ) per 31 CFR 328.5 & 328.6 ; however, have not recently applied credit to my accounts, causing a \" lock '' on my central billing account, per a US Bank representative I spoke with yesterday, named XXXX XXXX. For the record, Wisconsin Statute 16.413 ( 1 ) ( a ) defines a Financial Instrument as any check, draft, warrant, money order, note, certificate of deposit, letter of credit, bill of exchange, credit or credit card, transaction authorization mechanism, marketable security, and any computer representation of them. I was also informed, yesterday, by my regular public US bank manager, that there was an error on the accounting of XXXX which is not visible to me, and will quickly lead to a \" charge off '' and subsequent closing of all my accounts without my authorization in addition to default reporting to my consumer credit. \n\nI've been a loyal customer, both personal & business, of US Bank for 29 years, providing them thousands of securities from my own clients. I've recently become privy to deceptive contractual language and dealership fraud, along with securities fraud, using commercial paper to evade taxes and corporations keeping proceeds from my securities being traded on the secondary market. I've politely informed both XXXX XXXX & XXXX XXXX of my knowledge & acceptance of this, that because I've had a good relationship with US Bank for decades, I was not going to revoke POA or ask for my security proceeds to be returned to me. They did acknowledge my emails and informed me I would be receiving response correspondence shortly, which has not come to fruition. \n\nUnder the Provisions of 12 CFR 1026.13 - Billing Error Resolution Please provide documentary evidence my certificates of indebtedness have not been sent to the treasury to be sold on the international market for corporation monetary gain as they have not been applied to my US Bank accounts via the Electronic Funds Transfer Act ( EFTA ) per my request via registered mail received XX/XX/XXXX to the trustee who signed under oath in a personal capacity pursuant to the Security Exchange Act of 1933. \n\nI, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of my contracts with US Bank, conspicuously demonstrating I owe payment currency of any kind & US Bank does not owe me interest dividend payments earned every four weeks in the form of coupons defined as definitive bearer interest instruments associated with U.S. Treasury bearer securities.\n\nIn reference to the Trustee Indenture Act of 1933 : Fiduciaries act on behalf of others & are required to put the clients interests ahead of their own, with a duty to preserve good faith & trust. Fiduciaries are legally & ethically bound to act in the others best interests. Investors lend money to corporations in return for a pre-established number of interest payments, along with the return of their principal upon the bond 's maturity date. A coupon rate is the nominal yield paid by a fixed-income security.\n\nThe SEA of 1934 was a response to the widely held belief irresponsible financial practices were one of the chief causes of the XXXX stock market crash. \n\nUnder the Trading with the Enemy Act, Chapter 53 4302, the words \" to trade, '' as used herein, shall be deemed to mean ( a ) Pay, satisfy, compromise, or give security for the payment or satisfaction of any debt or obligation. ( b ) Draw, accept, pay, present for acceptance or payment, or endorse any negotiable instrument or chose in action. ( c ) Enter into, carry on, complete, or perform any contract, agreement, or obligation. ( d ) Buy or sell, loan or extend credit, trade in, deal with, exchange, transmit, transfer, assign, or otherwise dispose of, or receive any form of property. \n\nI hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize US Bank, per the Electronic Funds Transfer Act, 15 USC 1693, to transfer said securities into to my US Bank Account XXXX Routing XXXX. US Bank may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet their short term obligations. \n\nPer 12 CFR 1026.13, the following provisions apply : I need not pay & US Bank may not collect any portion of payment related to this dispute. \n\nUS Bank shall not make any adverse report of my credit standing. \n\nAcceleration of debt & restriction of these accounts are prohibited. \n\nYou shall not restrict or close these accounts solely because I have exercised my rights in good faith provided by this section. \n\nYou may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. \n\nYou are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account.\n\nSince a debt can not be paid with a debt, my FRNs must be returned.\n\nPer 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I may be contacted in writing at the above address, or by email at XXXX. \n\nThank you for addressing this billing error promptly. I look forward to hearing from you shortly. \nSincerely XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-04T13:24:55.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8697481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-04-04T13:14:24.000Z","state":"WI","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":["I, the consumer XXXX XXXX XXXX XXXX, request documentary evidence of my contracts with US Bank, conspicuously demonstrating I owe payment currency of any kind & US Bank does not owe me interest dividend payments earned every four weeks in the <em>form</em> of coupons defined as definitive <em>bearer</em> interest instruments associated with U.S. Treasury <em>bearer</em> <em>securities</em>."]},"sort":[20.009783,"8697481"]},{"_index":"complaint-public-v1","_id":"9152233","_score":19.877932,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have submitted multiple letters regarding Securities & Commodities Fraud per 18 U.S. Code 1348, along with debt securities, bonds & dividend checks endorsed and stamped, per codes of Federal Regulations, to the following corporations, via Registered mail, certified mail, email & fax. I've followed up with each corporation, including but not limited to trustees listed on XXXX, XXXX, & XXXX filings, investor relations, legal & applicable commission departments. In return I've received letters & emails of denial, stating my \" payments must be in XXXX dollars '' but no one corporation has returned any of my endorsed bonds or dividends. The following was my second attempt of communicating opportunity to cure with each corporation, which continues to be ignored, even after revocation of POA. At least two of the corporations have been subject to forfeiture penalty under 15 USC 1666 ( e ) for failing to comply. Each corporation has received the following second notice : First, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. Per Wisconsin Statutes 244.10, I have provided a notarized POA revocation ( attached ) in addition to filing form 2848 with the IRS. I request you promptly provide me with all 1099s filed on this account. Your company has rejected my instruments of payments per 31 CFR 328.5 & 328.6 ; however, have not returned my instruments, which thereby constitutes Discharge by Cancellation or Renunciation UCC 3-604. Furthermore, Wisconsin Statute 16.413 ( 1 ) ( a ) defines a Financial Instrument as any check, draft, warrant, money order, note, certificate of deposit, letter of credit, bill of exchange, credit or credit card, transaction authorization mechanism, marketable security, and any computer representation of them. Under the Provisions of 12 CFR 1026.13 - Billing Error Resolution Please provide documentary evidence my certificates of indebtedness have not been sent to the treasury to be sold on the international market for corporation monetary gain as they have not been deposited into my Treasury Direct Account or refunded to me via the Electronic Funds Transfer Act ( EFTA ) as requested in my initial registered letter. I, the consumer XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive bearer interest instruments associated with U.S. Treasury bearer securities. In reference to the Trustee Indenture Act of 1933 : Fiduciaries act on behalf of others & are required to put the clients interests ahead of their own, with a duty to preserve good faith & trust. Fiduciaries are legally & ethically bound to act in the others best interests. Investors lend money to corporations in return for a pre-established number of interest payments, along with the return of their principal upon the bond 's maturity date. A coupon rate is the nominal yield paid by a fixed-income security. The Securities Exchange Act of 1934 was a response to the widely held belief irresponsible financial practices were one of the chief causes of the 1929 stock market crash. The Exchange Act protects investors by prohibiting fraud & establishing severe penalties for those who defraud investors, as well as those who engage in some trading practices ( commercial paper ) that take advantage of information most investors do not have. When market participants violate federal securities laws, the SEC can bring civil enforcement action. The SEC or Department of Justice can also bring criminal actions for particularly serious violations. The Exchange Act also allows investors to sue market participants who have defrauded them. Under the Trading with the Enemy Act, Chapter 53 4302, the words \" to trade, '' as used herein, shall be deemed to mean ( a ) Pay, satisfy, compromise, or give security for the payment or satisfaction of any debt or obligation. ( b ) Draw, accept, pay, present for acceptance or payment, or endorse any negotiable instrument or chose in action. ( c ) Enter into, carry on, complete, or perform any contract, agreement, or obligation. ( d ) Buy or sell, loan or extend credit, trade in, deal with, exchange, transmit, transfer, assign, or otherwise dispose of, or receive any form of property. I hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693, to transfer said securities into to my Account number : XXXX Routing XXXX. \nYou may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations. Per 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. -You shall not make any adverse report of my credit standing. -Acceleration of debt & restriction of this account is prohibited. -You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. -You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. -You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. -Since a debt can not be paid with a debt, my FRNs must be returned. -Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.\n\nopen end credit plan all business accounts 15 USC 1602 ( j ) ( j ) 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.","date_sent_to_company":"2024-06-02T14:13:39.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"33611","tags":null,"has_narrative":true,"complaint_id":"9152233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-06-02T14:06:38.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I, the consumer XXXX XXXX, request documentary evidence of this contract, conspicuously demonstrating I owe payment currency of any kind & that your corporation does not owe me interest dividend payments earned every four weeks ; \" coupons '' as defined as definitive <em>bearer</em> interest instruments associated with U.S. Treasury <em>bearer</em> <em>securities</em>."]},"sort":[19.877932,"9152233"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":33,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":33}]}},"product":{"doc_count":33,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":13,"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":13}]}},{"key":"Debt collection","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":3},{"key":"Credit card debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Federal student loan debt","doc_count":1},{"key":"Mortgage debt","doc_count":1}]}},{"key":"Money transfer, virtual 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