{"took":130,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7247605","_score":18.536972,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The following is the complaint I filed with Navy Federal : 1. I opened a Navy Federal XXXX XXXX XXXX XXXX account online and listed my XXXX  as the primary since he is the XXXX  member. \n2. We are not Navy Federal members so we had to open a mandatory XXXX XXXX XXXX in order to qualify for the XXXX XXXX. I opened the accounts online but had to call and talk to a Navy Federal representative to initiate the wire for XXXX  and an XXXX for {$10.00} to fund the XXXX account. I provided the XXXX XXXX routing and XXXX account number for the XXXXXXXX XXXX XXXX \n3. The {$10.00} XXXX went through just fine. \n4. We decided to increase the amount going into the XXXX  and add another XXXX \n5. I called back Navy Federal CU and initiated another wire for XXXX by providing the same info as before, XXXX routing number and out checking account number. \n6. After a few days, I called Navy Federal to see why the XXXX had not been funded with XXXX XXXX XXXX XXXX into the XXXX then another XXXX for a total of XXXX in new money for XXXX XXXX XXXX and thats when this whole issue started. Navy Federal said that the funds were returned and the new accounts were permanently restricted. The customer service rep at Navy Fed would not speak with me about anything and instructed me to talk to their XXXX Team. I had to call several times because the hold times for this department are in the HOURS! When I finally got a person on the line, not only would the Navy Fed Security rep. not give me any information since I was the secondary on the account, they were rude and unhelpful and treated me like a criminal/fraudster/scammer right off the bat. Since I have worked in banking for over XXXX years, this was highly offensive so I requested the accounts be unrestricted so they could be closed, but that person at Navy Fed never unrestricted the accounts. Then the accounts started to accumulate fees. \n7. I reached out to the XXXX dept. at XXXX XXXX ( WHERE I WORK! ) to see what was going on. First I spoke to the XXXX in XXXX, XXXX XXXX and explained the situation. What was discovered is when I initiated the wires and XXXX  I used the XXXX digit account number XXXX uses for everything : online banking, verify accounts and identity, XXXX transfers, and deposits and withdrawals. I was not aware that the account number for wires is XXXX digits and can only be found on a physical check. When the wires attempted to come through without the XXXX digit account number, the XXXX was rejected as unable to locate account. This triggered some kind of Fraud/Suspicious activity alert with XXXX XXXX XXXX NO ONE from XXXX XXXX called to see what was going on. Once the issue was identified, we could have easily initiated another wire for XXXX with the XXXX digit account number but the terrible customer service ( Security at Navy Fed hold times were in the hours, wouldnt give me info because I wasnt the primary on the account, rude customer service at the branch and on the phone, lied to about the accounts being unfrozen, assessing fees to put the account in the negative, etc. ) from Navy Federal was enough for us to NOT want to do business with them. My employer, XXXX XXXX was offering their own CD promo and we kept our money with XXXX. \nXXXX The wire was rejected as unable to locate account due to not having the full XXXXXXXX XXXX  account number but XXXX did NOT flag us as being suspicious or fraud like Navy Federal CU did. This was a relatively easy issue to fix but Navy Fed made the process unnecessarily arduous.\n\n9. Instead of having a XXXX  CD investment with Navy Fed , we were faced with an account in the negative. We actually owed Navy Federal {$30.00} and the account was in the negative after they assessed return check fees. I went to a local branch to get the fees waived. They only waived one fee, so the we paid {$15.00} to Navy Federal after all the hassle we were put through. \n10. In XX/XX/2023XXXX XXXX months after this debacle, the XXXX XXXX  is investigating us regarding this situation with Navy Federal CU. My XXXX holds a top secret clearance. Again, this is very troubling and upsetting to both us because the future implications of this are unknown and this situation continues to haunt us as now we're unable to open any new accounts anywhere after being reported to XXXX XXXX XXXX, despite the assurances from Navy Federal that we were not reported. Navy Federal representatives offered XXXX  solutions to fix the problem, only offering terrible customer service time and time again. In NO WAY was any of this situation suspicious, even if this was a new account. This has placed undue stress on us and we have A + credit and don't deserve to be treated like criminals. And now the onus is on us to rectify the situation. \n11. Now we have to dispute XXXX XXXX XXXX because XXXX XXXX reported us. Navy Fed won't assist us in this dispute. I'm faced with more terrible customer services and once again XXXX solutions to this situation they caused. I'm asking for some kind of letter from XXXX XXXX to","date_sent_to_company":"2023-07-13T21:22:38.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"80907","tags":"Servicemember","has_narrative":true,"complaint_id":"7247605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-07-13T20:43:14.000Z","state":"CO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["I <em>opened</em> a Navy Federal XXXX XXXX XXXX XXXX account online and listed my XXXX  as the primary since he is the XXXX  member. \n2. We are not Navy Federal members so we had to <em>open</em> a mandatory XXXX XXXX XXXX in order to qualify for the XXXX XXXX. I <em>opened</em> the accounts online but had to call and talk to a Navy Federal <em>representative</em> to initiate the <em>wire</em> for XXXX  and an XXXX for {$10.00} to fund the XXXX account."]},"sort":[18.536972,"7247605"]},{"_index":"complaint-public-v1","_id":"5785269","_score":16.834417,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Purpose of this case is to pursue Bank of America/Merill XXXX to reimburse the {$840000.00} we have lost due to security/banking defects in their banking system. \n\nHere is a description of the case : I opened a Merill XXXX CMA ( Cash Management Account ) account at Bank of America local office on XX/XX/XXXX. Later on, I added my husbands name to the account. \n\nOn XX/XX/XXXX ( or about XX/XX/XXXX, dates are all by memory now ), XXXX, my husband was under the threat and stress by a scammer to wire out money ( at the time my husband thought it was a legitimate investigation by authorities ) from our account at Bank of America/Merill XXXX to scammer 's accounts at XXXX XXXX XXXX located in XXXX XXXX XXXX for 3 wires totaling {$840000.00}. My husband called Bank of America/Merill XXXX to wire out money using my identity, however, Bank of America/Merill XXXX did not find out that the caller was not me. \n\nThen on about XX/XX/XXXX, Bank of America talked to my husband over his cell phone asking me to be present at the local bank. My husband told the bank that I was not available and asked if his presence is OK, the bank said yes. The bank asked him to show his driver 's license and he did. Still, at this stage, it seemed the bank did not recognize that the caller was him, not me. On the other hand, even if Bank of America may have realized that the caller was not me, Bank of America did not question my husband when he was at the bank the next day. \n\nThen on XX/XX/XXXX, {$840000.00} was wired to XXXX XXXX XXXX  from our Bank of America/Merill XXXX account with 3 separate wirings : {$300000.00}, {$300000.00}, and {$240000.00}. \n\nI had been in XXXX throughout this entire time and on XXXXXXXX XXXX after a XXXX, therefore had no idea what was happening. On XX/XX/XXXX, at XXXX, my husband realized it was a scam so he called Bank of America/Merill XXXX and requested them to investigate with XXXX XXXX Bank immediately XXXX On XX/XX/XXXX, my husband reported to local Police Department ( report # XXXX ). It is on XX/XX/XXXX, both Police Department and Bank of America suggested him to report to FBI and Police Department in XXXX XXXX ( case # XXXX  XXXX ). \n\nKey points are : 1. Bank of America/Merill XXXX failed to do their necessary due diligence to prevent suspicious activities, and failed to protect interests of their customers. They violated industry norms and their internal business policies ( if any ) for international wirings. In addition, their security system has a serious defect identifying people 's real identity, through name, gender and voices. If the bank had properly realized that my husband was using my identity initially on the phone then the wires could have been prevented, because this should have triggered a strong security warning for suspicious activities. \n2. The bank tried getting me to be present to the local bank for verifications, but obviously did not pursue this path thoroughly, by failing to ask my husband questions such as where she was? where she made the call yesterday ( if the bank believed I made the initial phone call )? how can we reach her to verify? etc. And the bank did not choose to hold the wirings until the verification with me is successful. \n\n3. To withdraw money from an ATM machine, it has a limit each day. Federal Regulation D and banks limit most transfers and withdrawals from a savings account to a combined total of 6 ( six ) per monthly fee period. If the limit is reached, any additional online, mobile or text banking transfers, including scheduled transfers, may be declined for the remainder of the period. For such big international transactions, shouldnt there be a limit on number of transactions per day? Amount per transaction? Is it right without a limit? For working class families like us, had Bank of America/Merill XXXX ever thought about if the client could afford such potential huge loss? Where is the protection? \n\n4. As of XX/XX/XXXX, per recorded conversation with their representative, I was told that Bank of America/Merill XXXX does not have written policies for domestic/international wiring transactions which is another defect in their banking system. We also requested Bank of America to provide a copy of the policies at their branch, but they refused, saying they do not provide internal business policies to customers. \n\n5. Since there were 3 wirings, Bank of America/Merill XXXX should again have raised red flags because very often suspicious activities do split into smaller transactions to avoid Federal investigations or more strict regulations. \n\n6. Bank of America/Merill XXXX did not ask my husband for proof of purchase, e.g. contract for investment house he said he allegedly was going to purchase in XXXX XXXX. This shows that the banks security screening is defective. \n\n7. Bank of America did not inquiry why there were multiple recipients, instead of just one closing attorney. Furthermore, for house purchase, the money should be wired to the closing attorneys law firm instead of 3 individuals.\n\n8. With the recipients names, addresses, bank account information provided before wiring, had Bank of America/Merill XXXX checked recipients background for money laundering or terrorist/drug related activities per USA Patriot Act? If recipients background checking is ignored, how can the Anti-Money Laundering ( AML ) program be considered effective and fully compliant? \n\n9. We had been very conservative in investment with the money deposited at Bank of America/Merill XXXX account XXXX Since XX/XX/XXXX, XXXX % had been with XXXX XXXX  XXXX XXXX XXXX XXXX fund name is by memory only, symbol is XXXX  ), a very conservative and stable value fund with about 2 to 2.5 % annual return. Based on our account banking history and activities before XXXX, XXXX, Bank of America/Merill XXXX should have developed a customer risk profile already for us before the wirings per Bank of America AML Compliance Program . Investment for real estate in XXXX XXXX is completely out of our investment scope or risk tolerance. This is another negligence of Bank of America/Merill XXXX XXXX \n\n10. On XX/XX/XXXX, Bank of America/Merill XXXX offered us {$2500.00} bonus for opening the account with the condition that the balance will remain at the account for 9 continuous months. I specifically told the representative that I will remain the balance there for 9 months or longer because I absolutely want to earn that bonus. This is another piece of information that Bank of America/Merill XXXX should have used developing my risk profile and learned my commitment staying with Bank of America/Merill XXXX XXXX and this also meant that I would not withdraw so much from the account before XX/XX/XXXX. \n\n11. On XX/XX/XXXX, I called Bank of America/Merill XXXX for a copy of the documents I signed when opening the account. A representative on the phone told me that they located the documents but can not provide me a copy, I asked why, she said because there were notes written on my applications and they can not share those notes with me. Later they did send me a copy by taking all the notes out, though. I guess information mentioned in item 10 above, but not limited to what mentioned above, could be part of the notes referred to by the representative. question is : why they were afraid of sharing the notes with me? \n\n12. Bank of America/Merill XXXX did not offer my husband the following or any documents to review before wiring : outgoing consumer international wiring information, wire transfer agreement terms+policies. Where is the documented procedure to follow? Where is the necessary information a client should have read before wiring? Where is the professionalism? This should make the wirings invalid. \n\n13. Bank of America/Merill XXXX did not explain to my husband the Regulations and Rules for International Wiring out of the USA when in excess of {$10000.00}, or particularly with this large amount, the possible need to report to IRS/FBI, or what tax implications it may have from IRS, etc. If these were explained to him, it was very likely he would not do the wirings at all. \n\n14. When my husband made the initial phone call to wire out money, Bank of America/Merill XXXX asked him for account passwords, he gave them passwords he had guessed, but those passwords did not work. Then he told the bank he does not know the passwords. This should be another red flag raised by the bank. \n\n15. When Bank of America/Merill XXXX helped my husband to reset password, the username the bank released was not the username I was told by the bank/Merill XXXX representative XXXX XXXX and the only XXXX to use when opening the account. This is another HUGE security flaw in their banking system. \n\n16. Bank of America/Merill XXXX did not ask my husband answers to on-line challenge questions I set up before, during the initial phone call for wiring. \n\n17. It seemed that Bank of America/Merill XXXX did not ask my husband to sign his name nor his thumb print for the 3 wirings. This is another security flaw at Bank of America/Merill XXXX XXXX this again should make the 3 wirings invalid. \n\n18. Bank of America/Merill XXXX did not ask my husband his own SSN # when he was present in the local bank. For international wirings, this should be essential. \n\n19. Bank of America/Merill XXXX did not ask my husband to show proof of address ( utility bill or bank statements ). For international wirings, this should be essential. \n\n20. Bank of America/Merill XXXX did not ask my husband what the recipients date of birth are, if they were friends. Again this shows their security screening is defective. \n\n21. On XX/XX/XXXX, I requested audio recordings from Bank of America/Merill XXXX for the whole conversation ( verbal and tone ) my husband had with them over the phone made on or around XX/XX/XXXX. The representative, after contacting their investigation team, told me they can not share the recordings but promised to share with me the verbal content of the recordings through her ( this was communicated on their recorded line ). Then I pursued a timeline as to when to share the verbal content part, the representative said she needs to contact the investigation team again, and will call me back, but she never did, even though after I left messages for her 3 times during the next 3 days. Then on XX/XX/XXXX, another representative called me back saying that they can not share the verbal content, and EVEN DENIED that they ever promised me of sharing the content. Where is the business consistency at Bank of America/Merill XXXX ? Do they have any credibility? What are they afraid of? Do they really record conversations as they claimed to the public? \n\n22. I am sure Bank of America/Merill XXXX had experienced similar fraudulent wiring to XXXX XXXX XXXX  or any other domestic/international banks before, how come the bank has not raised their entire banking security system to the highest level of awareness? How come as of today they still do not have stricter control/concrete measures to effectively prevent suspicious activities? What do they do to protect their customer 's accounts? How could they pass the internal audit and government inspections on FCC, XXXX, XXXX  and sanctions policies? Had they completely and truthfully revealed all the fraud cases due to their security/banking defects to the relevant government agencies/auditors? \n\n23. My husband initially reported the crime to Bank of America/Merill XXXX on XX/XX/XXXX, at XXXX, XXXX and requested Bank of America do an immediate investigation with XXXX XXXX bank but we are unsure when exactly Bank of America/Merill XXXX actually contacted XXXX XXXX bank. \n\n24. My husband and I made many follow up phone calls to Bank of America/Merill XXXX for the investigation status but with no results. Around XX/XX/XXXX or XXXX, we called Bank of America/Merill XXXX XXXX XXXX and we were told that the scammers had already taken all the money out from XXXX XXXX Bank XXXX and Bank of America/Merill XXXX can not do anything further. \n\nAs elaborated above, many signs related to the transactions were abnormal and suspicious, but due to banks sever security defects, lack of relevant written policies on international transactions, Bank of America/Merill XXXX failed to do essential due diligence to identify them and failed to take more strict actions to stop the transactions. \n\nThe damage to our family has been tremendous. In additional to the huge financial loss, I and my husband have been enduring physical, psychological and emotional sufferings. Such loss and impact to our life will be far reaching and immeasurable. For ours and general publics benefits, we are determined to pursue justice from Bank of America/Merill XXXX XXXX by having them take responsibility for their many security/banking defects. Therefore, we are seeking reimbursement of the money we have lost and compensations for the sufferings we have been enduring and hope this event will promote an improvement to their banking system. The goal is no more customers will become victims in the future.","date_sent_to_company":"2022-07-19T06:55:39.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"27519","tags":null,"has_narrative":true,"complaint_id":"5785269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-07-19T02:21:34.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Purpose of this case is to pursue Bank of America/Merill XXXX to reimburse the {$840000.00} we have lost due to <em>security</em>/banking defects in their banking system. \n\nHere is a description of the case : I <em>opened</em> a Merill XXXX CMA ( Cash Management Account ) account at Bank of America <em>local</em> office on XX/XX/XXXX. Later on, I added my husbands name to the account."]},"sort":[16.834417,"5785269"]},{"_index":"complaint-public-v1","_id":"17099708","_score":10.81073,"_source":{"product":"Checking or savings account","complaint_what_happened":"1. Overview This complaint is very challenging to explain due to the complexity of the fraud and organized intrusiveness I have experienced. \nThis is not about a few isolated incidents of account hacking it is about a coordinated internal attack from within the U.S. Bank institution involving employees in the XXXX XXXX region of California. \nI have maintained records as best as possible, but the U.S. Bank mobile app restricts screenshots, leaving me with limited physical proof. Nevertheless, the missing bank statements, reversed transactions, and account manipulation patterns are enough to establish reasonable cause for a federal and regulatory investigation. \n\n2. Identified Branches and Employee Intrusiveness Branches involved : Upland ( original home branch ), XXXX XXXX XXXX, XXXX ( current home branch ), XXXX, XXXX XXXX, and XXXX XXXXXXXX. \nDuring a XXXX visit to the XXXX XXXX XXXX branch, a banker who was helping me called the XXXX  department. \no The representative on the phone made a revealing comment : He doesnt even look at his statements. \no This clearly indicated unauthorized internal access to my personal financial behavior a direct violation of UCC 1-304 ( Obligation of Good Faith ) and UCC 4-103 ( Variation by Agreement and Limitation of Banks Liability ). \nAfter that event, the incidents escalated, typically around the 1st of each month when my XXXX grant deposits arrive a pattern consistent with targeted internal manipulation. \n\n3. Patterns and Types of Fraudulent Activity ( a ) Missing Statement History Account ending in XXXX is missing three years ( XXXX ) of statements. \nThe bank falsely claims my account began in XXXX, contradicting Exhibit A ( opening records ). \nStatements appear to have been deleted or altered an act that violates UCC 4-406 ( Customers Duty to Discover and Report Unauthorized Signature or Alteration ). \n( b ) Chronological Manipulation ( Reverse Mathematics ) Deposits are logged after withdrawals that occurred later in the day, artificially generating overdrafts. \nThis violates UCC 4-401 ( When Bank May Charge Customers Account ) and UCC 4-404 ( Bank Not Obliged to Pay Item After Certain Time ). \n( c ) Unauthorized Overdraft Protection My account type does not include overdraft protection, confirmed by a banker. \nHowever, overdraft credits are used to mask unrecognized credit nor PIN charges classic internal laundering through artificial account balancing. \nThis practice violates UCC 4A-204 ( Refund ; Duty of Customer to Report with Reasonable Promptness ).\n\n( d ) Time-Stamp and Record Tampering Same-day transactions have inconsistent timestamps and are coupled with fake overdraft fees that are later reversed.\n\nThis manipulation creates false balances and violates UCC 3-407 ( Alteration ) and UCC 4-406 ( c ) ( timely notice requirements ). \n( e ) Unauthorized or Fictitious Charges Credit nor PIN entries appear regularly near the end of months evidence of manual ledger tampering within U.S. Banks internal systems.\n\nEach such manipulation constitutes a breach of UCC 3-420 ( Conversion of Instrument ).\n\n4. Business Identity Misuse and Potential XXXX  Activity My company, XXXX XXXX XXXX XXXX XXXX has also suffered parallel account irregularities at XXXX  XXXX XXXX XXXX around the same time I began banking with US Bank XXXX I opened both accounts around the same time. \nThe overlap and timing coincide with identity theft incidents and unexplained red-flag activity in financial markets ( stock and XXXX  ). \nThis suggests my personal and business names were used in fraudulent investment operations, potentially XXXX-type activities, which should trigger an inter-agency investigation involving the SEC OIG and FBI XXXX  XXXX XXXX XXXX \n\n5. Evidence of Employee Interference Multiple branch employees have refused to allow private calls to the XXXX department, insisting on being present during calls. \nWhen I attempted to use branch phones privately, I was instead given a general hotline number an obstruction tactic.\n\nThis repeated behavior constitutes bad-faith conduct ( UCC 1-304 ) and potential conspiracy to conceal internal fraud.\n\n6. Recent Incidents The most recent irregular transaction and time-stamp tampering occurred XX/XX/XXXX ( see Exhibit C ). \nUnapproved overdraft reversal left my account at {$22.00} ; I paid to prevent closure. \nPrior similar events occurred XXXX and XX/XX/XXXX ( see Exhibit B ). \n\n7. Additional Relevant Facts I have been robbed of physical proof of earlier claims.\n\nAll local branches have refused proper customer service when I requested assistance or account reconstruction.\n\nThe consistent pattern of localized obstruction indicates an organized internal operation rather than random events.\n\n8. UCC Violations Summary UCC Article Section Nature of Violation Article 1 1-304 Lack of good faith and fair dealing Article 3 3-407 Alteration of financial records Article 3 3-420 Conversion of instrument ( unauthorized charges ) Article 4 4-103 Improper limitation of banks liability Article 4 4-401 Wrongful debit of customers account Article 4 4-406 Failure to detect/notify unauthorized entries Article 4A 4A-204 Failure to refund erroneous electronic transfers 9. Requested Actions 1. Immediate Treasury OIG and OCC joint investigation into U.S. Bank employee misconduct and internal record manipulation.\n\n2. Full audit of accounts ( both personal and business ) from XXXX, including deleted statement recovery. \n3. Review of local branch personnel in the XXXX XXXX for collusion and unauthorized data access. \n4. Coordination with the SEC OIG and FBI to determine whether my identity was used in broader investment or XXXX  schemes. \n5. Compensatory resolution for losses and damages caused by repeated unauthorized debits, overdraft penalties, and emotional distress. \n\n10. Declaration I affirm that the statements contained herein are true and correct to the best of my knowledge. \nI am prepared to provide Exhibits AC, correspondence records, and any remaining documentation. \nThis complaint is submitted under U.S. Code 18 1348 ( Securities Fraud ), 18 1343 ( Wire Fraud ), and the Uniform Commercial Code Articles 1, 3, 4, and 4A. \nSignature : XXXX XXXX XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX","date_sent_to_company":"2025-11-07T20:41:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"17099708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-11-07T19:14:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Code 18 1348 ( <em>Securities</em> Fraud ), 18 1343 ( <em>Wire</em> Fraud ), and the Uniform Commercial Code Articles 1, 3, 4, and 4A. \nSignature : XXXX XXXX XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX"]},"sort":[10.81073,"17099708"]},{"_index":"complaint-public-v1","_id":"7969794","_score":9.608633,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXX  XXXX veteran and nearly twenty ( 20 ) years loyal member of USAA Federal Savings Bank. After the forcible sale of our home, my teenage daughter and I planned a new beginning ; utilizing my share of the proceeds, {$51000.00} ; I had wire transfer to my USAA checking account on XX/XX/XXXX, XXXX. [ We also had our XXXX XXXX XXXXXXXX Benefit directly deposited to this account as well, for a number of years. In XXXX, XXXX, we had to vacate our home and temporarily moved into a hotel. This is when I discovered more than half our funds were missing or stolen. \n\nFor a few months, on and off, before and after the wire transfer to my checking account, I had been experiencing constant problems with my cell phones and home internet. [ missing/stolen sim card ; virus, no or slow wifi nor mobile data, errors, and going unnoticed for a few months, fake apps on my phone replacing real ones like XXXX XXXX XXXX XXXXXXXX XXXX no notifications, phone calls forwarded ; complaints I was not answering my phone ; I replaced my cellphone at least 4 or 5 times, all my settings, undone shortly after I fix errors ] ; I was unaware hackers had remote access to my phones and online financial accounts. Before this crime happened to us, I had very little knowledge new technology, internet, and its abilities and advance features which could be abused to damage lives and financial crimes. \n\nI contacted USAA and still no access to my mobile nor online banking, I did not yet have a visual depiction of the transactions ; and the same night, my hotel room was broken into, and my extra set of vehicle remote key and debit cards from other checking accounts were stolen [ i filed a police report ]. It also was the beginning of two months of harassment, stalking by a group of individuals in various vehicles; breaking into and stealing items and documents from my vehicle ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX and actions we believed by the fraudsters or preparators whole stole our funds; were intimating us into not reporting the crimes. We notified USAA of our fear for our safety, and requested the bank not close our debit card [ the USAA account and debit card was our only access to funds ] until we found a safe haven ; USAA agreed at least three times as we switched hotels at least four times for our security/safety. USAA [ Later the bank used our continued use of the cards during the fraud, as reason to deny many of our claims ] was aware of the ongoing fraud, and that it would continue until the debit cards were closed. We changed debit cards at least four times ; until eventually we relocated from the state of XXXX XXXX XXXX; hoping to live out of the reach of the XXXX XXXX, who followed us everywhere, especially atms, gas stations, department stores, etc. \n\nAfter finally gaining access to my USAA mobile and online banking, I learned the funds were mostly withdrawn through XXXX XXXX [ over XXXX transactions ] and fraudsters also made over 200 atm/debit withdrawals/purchases as well as false checks for cash over a two ( 2 ) month period. I contacted XXXX XXXX and as requested, XXXX XXXX closed the fraudulent account the hackers had made in my name, and attempted to recoup my funds ; however, after a few refunds, the recipients closed their XXXX XXXX accounts. \n\nUSAAs computer system was unable to process the XXXX transactions as XXXX claim/dispute ; it was a daunting process, with many telephonic reporting problems, and the XXXX or more transactions were divided into multiple claims of XXXX transactions per claim. USAA granted us provisional credit in the initial XXXX XXXX claims totaling maybe {$15000.00} of the {$55000.00} stolen funds over the fraud period of XX/XX/XXXX XXXX XXXX. However, when we filed for the remaining XXXX XXXX XXXX transactions USAA fail to process and the atm/debit card purchases and withdrawals as well as hot checks ; the bank took another XXXX months [ initial claims filed in XXXX ] before granting us a provisional credit of {$25000.00} in XXXX, XXXX ; yet USAA restricted our access XXXX these funds for weeks ; freezing the debit card and on/off limited transfers. Meanwhile, the five to nearly six months waiting for the bank to complete and make a decision on our claims/dispute, I was unable to pay creditors ; three months past due auto loan, auto insurance, and the storage facility containing all our personal and household property. For a brief period, of maybe three days, USAA lifted the restrictions on my checking account, and I immediately made 3 ACH payments to these three creditors, and adhering to USAA security representative, I open a physical/local bank, and wired {$10000.00} from my USAA checking account into XXXX XXXX  XXXX which was a nightmare, XXXX XXXX particularly accused me of fraud and denied me access to the wire for nearly three months ]. The very same day, USAA rescinded the provisional credit of {$25000.00} ; placing my checking account into a negative balance of over {$11000.00}. USAA also demanded the money I wired to XXXX XXXX  [ {$10000.00} ] be returned ; I informed them the other bank was holding the funds. USAA keep the account opened long enough to garnished two months of our XXXX XXXX XXXX benefits directly deposited into the checking account ; did not honored the thee ( 3 ) ACH transactions ; and in XX/XX/XXXX, informed me the bank will no longer do business with us; closing my checking account. \n\nWe ran out of money for hotels, my fixed income, XXXX XXXXXXXX check could not cover the current expenses and past due balances ; as a result, the finance company did a write off on my vehicle [ like a repossession [ ; the auto insurance company canceled our auto policy [ one month before the vehicle was involved in a auto collision which totaled the vehicle ] ; and the storage facility auctioned off all our possessions of 34 years of our property from our home ; we lost everything. \n\nI tried for months pleading with USAA to reverse its negative findings of our claims ; the bank insisted that the remaining XXXX XXXX and debit card transactions were not fraudulent ; despite the bank notifying me that in XXXX after USAA grant the {>= $1,000,000} provisional credit into my checking account, a third unknown party was attempting to remotely access my USAA account from XXXX, and we were in XXXX. The security, fraud and identity theft departments, would not accept that the fraudsters were using other cybernet methods to steal our funds, such a skimming, scanning device, mini camera and trackers in my vehicle, which they had accessed unto due to my stolen vehicle keys, and other ways I later learned how they gained access to my debit card information and pin despite changing the debit card four times.They never stop following and stalking us; stealing my sim cards, breaking into our new hotels rooms, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX countless times, and made several police reports, and XXXX XXXX offered for USAA to contact them, so XXXX XXXX could speak on our behalf. USAA refused. \n\nAt the end, my XXXX  XXXX  and I lost everything we owned and are now homeless. Even with the {$10000.00}, too late we battled for months to regain from XXXX XXXX  ; we, sporadically received at different periods over a six month period of the fraud investigation, still only received approximately half of our lost funds. I fell into a grave XXXX and had to be hospitalized as an inpatient for a few different periods of time; sleeping on the ground ; going house to house living with strangers and when I can afford, staying at cheap hotels ; with no transportation. My daughter is now living with my XXXX XXXX husband ; the separation from my XXXX  is unbearable. \n\nThe crime devastated our lives ; and directly led to our homelessness, as well as loss of all our personal and household goods. The stolen funds and USAAs unfavorable findings were quite unexpected and triggered debilitating mental agonish, pain and suffering ; as a result, I underwent various periods of inpatient hospitalization and XXXX  ; treatment for major XXXX and severe XXXX. \n\nUSAA, one of the largest banks in the country, in the care of a XXXX year member of its bank, published and inherited the responsibility of protecting its members from fraud and identity theft. The bank failed to exhaust every measure to stop the fraud from its beginning and refused to accept responsibility for the grave financial loss by refunding the funds stolen from my checking account after the funds were wired into my account. In past times, USAA froze my debit card after its security and fraud prevention program detected suspicious activity on the linked checking account. USAA allowed over 400 fraudulent transactions over a two month period without making an effort to stop this unusual activity ; especially after the large sum of over {$51000.00} was recently deposited into my checking account. The bank could mail a letter or simply freeze the debit card until the bank contacted me to confirm whether these were my transactions. Also, the bank did not fully honor its XXXX XXXX XXXX ; an assurance that its members would not suffer the financial loss due to fraud. If USAA would have promptly detected the fraud within a reasonable amount of time, the damage could have been prevented or lessened. \n\nI contacted USAA countless occasions to appeal their unfavorable decision ; and refund us the remaining provisional credit the bank rescinded in XXXX, XXXX of XXXX ; reimbursement of XXXX benefits stolen in the fraud about {$4000.00}, and the garnished XXXX of {$2000.00} ; a total of approximately {$17000.00}. [ {$16000.00} less than the funds stolen in fraud ]. \n\nMuch less than the amount I request sue USAA bank for : USAA has caused us lost of our cash funds/non refunded fraud : approximately {$33000.00} ; vehicle : {$26000.00} : property lost in storage : XXXX : past due XXXX XXXX : {$5000.00} and for the pain and suffering/homeless/mental anguish : at least {$50000.00} - {$100000.00}. A total of between {$140000.00} - {$200000.00}. \n\nI appeal USAA claims and disputes findings for the following reasons : Findings Are Not Accurate : [ Multiple Duplicate Claims ; Use of Debit Card After Fraud ; etc. ] Claim is Incomplete : Missing/Unprocessed Transactions/Refunds USAA Agreed to Delay Cancellation of My Debit Card ( s ) Due to Distress After We Spoke and Identified the Fraud USAA Failed to Conduct a Thorough and Unbiased Investigation and Refused to Consider/Ruled Out Other Fraudsters Cybernet Methods Used to Steal My Information ; Access My Online Accounts ; and Hack Into My Cell Phones USAA Banks Security and Fraud Prevention Departments Failed to Do Due Diligence to Promptly Stop the Fraud and Identity Theft and Exhaust Every Measure To Notify Me of the Highly Suspicious Activity of My Checking Account USAA Denied Claims that Were Part of Previous Claims the Bank Resolved in My Favor/Found Fraudulent USAA Failed to Honor The Banks Zero Liability Policy for Members Victimized by Fraud and Unauthorized Use of Their Debit Cards While in XXXX, XXXX, where the crimes occurred , I filed various police reports for Breaking Into our Hotel Rooms [ one report filed in nearby town of XXXX XXXX, XXXX  ; stealing our my vehicle keyless remote/and start engine remote ; vehicles following /stalking us everywhere [ two days are so in a new hotel, they hacked into my XXXX  and find us ] ; filed for fraud and identity theft [ XXXX Police Department now claim they do not have the report XXXX XXXX and other agencies I sought help in XXXX, made it clear they did not want to be involved especially due to these group of individuals were likely a violent street gang ] ; also filed vandalism/criminal mischief of my vehicle where they stuffed chocolate bars in my vehicles gas tank ; i believe in an effort to prevent us from leaving the state of XXXX, and I made numerous XXXX calls during the two to three months of severe harassment and terrorizing. I recently refiled the police report in XXXX  who will assistance XXXX in XXXX, because I do not feel safe returning to XXXX  to file in person. \nI also filed an identity theft report with Federal Trade Commission ; a complaint with ICE/FBI ; initiated a new investigation with XXXX XXXX ; and filed an appeal with USAA. I also move to different locations to stay safe ; as I informed USAA in XXXX, I believed the stalkers somehow found us in XXXX. With the refunding of our money, we will not find a secure resident far away from these individuals who will do violence to avoid prosecution for their crimes against us.","date_sent_to_company":"2023-12-08T11:23:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"71603","tags":"Servicemember","has_narrative":true,"complaint_id":"7969794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-08T10:12:35.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["For a brief period, of maybe three days, USAA lifted the restrictions on my checking account, and I immediately made 3 ACH payments to these three creditors, and adhering to USAA <em>security</em> <em>representative</em>, I <em>open</em> a <em>physical</em>/<em>local</em> bank, and <em>wired</em> {$10000.00} from my USAA checking account into XXXX XXXX  XXXX which was a nightmare, XXXX XXXX particularly accused me of fraud and denied me access to the <em>wire</em> for nearly three months ]."]},"sort":[9.608633,"7969794"]},{"_index":"complaint-public-v1","_id":"7446800","_score":8.240517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To : Equifax I should not have to tell you at that transactions and experiences are excluded from consumer reports. I have, however, since XX/XX/2022, been telling you to STOP reporting my transactions and experiences. You can not pick and choose which section of the Fair Credit Reporting Act you want to follow and which section you do not. Pursuant to section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, you making a report containing my transactions and experiences is a prohibited. I suspect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Equifax are in collusion with committing securities fraud, money laundering, tax evasion, and extortion. \n\nTransaction XXXX. Any event that cause a change in an organizations financial position or net worth, resulting from normal business activity. It is recorded on the general ledger by debit or credit tickets. \nXXXX. Advance of funds, as in a credit card cash advance, purchase of goods at a retailer, or when a borrower activates a line of credit. \nXXXX. Activities affecting a deposit account, such as a deposit of funds or a withdrawal, carried out at the request of the account holder. \n\nEvery time I use my credit card to make a purchase, that purchase is recorded in the general ledger according to the Generally Accepted Accounting Principles. Every purchase I make is a transaction. Every purchase I make using my credit card raises my debt utilization. Debt utilization is the result of one or more a transactions. My credit card balances are based on the purchase of goods at a retailer. Purchases money or the advance of funds held on deposit is a transaction. My credit limit is a transaction. Activities such as a deposit or withdrawal reflect my payment history. My payment history is a transaction. Every transaction is a bank experience. My debt utilization, account balances, amounts due, due dates, and payment history are all transactions and experiences that must be excluded from my consumer report. Immediately stop reporting my debt utilization, account balances, amounts due, due dates, all payment history, and update both accounts referenced in this complaint to paid as agreed. \nThese transactions are a result of income being credited and debited from my accounts. Debt is a reflection of my income.\n\nFurthermore, Ive notified you over three times about the billing dispute Ive been having with XXXX XXXX since XX/XX/2022. After I notified you, you continued to make reports and allow reports to be made containing prohibited information. Pursuant to section 162 ( a ) of the Fair Credit Billing Act, adverse credit reporting during a billing dispute is prohibited. So even if you were permitted to make reports using my transactions and experiences, adverse reports made during a billing dispute, to any party, is prohibited. I personally gave you notice of the billing dispute Ive been having with XXXX XXXX and you still continue to create reports using the inaccurate and prohibited information given to you by XXXX XXXX. You are also currently making reports showing my XXXX by XXXX XXXX account is closed. Not only is that a violation of section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting act and section 162 ( a ) of The Fair Credit Billing Act, pursuant to section 161 ( d ) of The Fair Credit Billing Act, restricting or closing my account because of a billing error is also prohibited. This account was closed unlawfully and you are allowing the furnishing and reporting of an unlawful action taken against me. I told you to remove these two accounts until the disputes are resolved and accurate credit reporting has been established. Due to the reports youre making containing this unlawful, prohibited, and inaccurate information, my name and credit has been made inequitable. My credit scores and credit ratings have dropped tremendously. This is a misrepresentation of my identity and your misrepresentation of my identity can be considered as identity theft. \n\nI suspect you did not do a proper investigation or reinvestigation before you allowed that information furnished and reported. Even after I specified what information was inaccurate you still allowed the inaccurate information to be furnished and reported. Even after I informed you of the billing dispute, you still allowed adverse credit reporting. Even after I pointed out to you exactly what information is prohibited from being furnished and reported on a consumer report, you still permitted the furnishing and reporting of said prohibited information on my consumer report. This dispute is has not been resolved. \n\nI pay my bill as agreed. Making an application for an extension of credit is a way of investing into companies who use short term debt instruments as a way of temporary financing. Owners of book-entry securities are issued statements. The draft attached to my statement is a bill equal to the amount of securities purchased and paid for with my credit. The bill amount is the security my credit purchased. Selling access to my credit makes me the purchaser. The draft is guaranteed because the proceeds do not belong to XXXX XXXX. My credit purchased the security. Im entitled to have my financial assets credited to my securities account. \n\nIve been trying for months to complete the purchase of securities I purchased on credit with the extension of credit I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me. Since the application is where the agreement is made, the application is the promissory note. My application created the deposit account and holds the purchase money that my application was exchange for. This account and the purchase money therein allows me to purchase more security on credit from the issuer in an amount no greater than the purchase money held on deposit at the time of purchase. Every purchase I make using my account is a deposit with the issuer of the bill. The deposit amount is the security I purchased from the issuer. The cash advance I received for investing my credit, via application, with XXXX XXXX is called purchase money because that money is used to purchase money, or security. Purchase money is used to purchase money. The deposit account, the purchase money in that account, the card used to make purchases, and all bills received from the transactions of that account are financial assets to me. This deposit account is a securities account being held on my behalf with the issuer of the monthly statements I receive. My credit is backed by the full faith and credit of the United States. Every security is backed by the full faith and credit of the United States. I am a trust account customer. My social security account is the account being used to hold my deposit account. The deposit account is a securities account. This is why I can gain access to the transaction history of my deposit account by verifying my social security number over the phone with the issuer of my monthly statements. XXXX XXXX is the issuer of the monthly statements I receive. These statements evidence my ownership of book-entry securities. The due bill is a statement of money owed as when a bank sells a security and receives payment but has not delivered the security or equivalent asset to the purchaser within three business days. Outstanding due bills are considered borrowed funds by a bank issuing a bill and a loan to the holder of the obligation. This paper I received, and am now returning, is considered eligible paper for rediscount at the discount window. This form of paper money, the bill, are the funds you use as payment to borrow and use my credit as collateral for a securities loan. Credit card receivables are bill payments. XXXX XXXX is using my financial assets as collateral for a securities loan at the discount window. \n\nI have received the title documents and receipts for goods ( securities ) transported and I now want all of my unredeemed demand drafts, of past present and future, redeemed at face value, exchanged for securities of a new issue, and restricted to my United States Treasury Direct account. This paper money is legal tender that must be securitized to lawful money. Once its stripped and the coupon is restricted to my Treasury Direct Account my bill is considered paid. Whether the statement has a preprinted draft attached or not, this is how I want all bills payable to be paid for every account being held by XXXX XXXX on my behalf. This includes the account associated with my XXXX by XXXX XXXX credit card. The Treasury will make the principle payment to the securities account XXXX XXXX is holding on my behalf by issuing it the preprinted demand draft as a receipt via wire transfer. The interest rate XXXX XXXX is normally entitled to is the discount it receives on redemption at par. The zero coupon security is a marketable security. When XXXX XXXX gets the cusip number I want XXXX XXXX to trade or sell my security, at its discretion, on secondary the market. I know by law XXXX XXXX is entitled to receive 20 % at maturity. At maturity I want my 80 % deposited to my Treasury Direct Account. \n\nI continue receiving notice that my bill is payable. Bills payable are XXXX XXXX trade obligations that must be accepted. XXXX is guaranteed because the draft is guaranteed. The draft is guaranteed because the preprinted demand draft is a check payable on sight. Attached to the preprinted demand draft is a receipt of the goods being transported. The goods being transported are the numbers on the bill that represent the security purchased. I know acceptance is completed by delivery or notification and payable on sight. This is a demand that must be accepted because the draft is a demand. Consider this my notification. \n\nConsider this my final notification because I have notified XXXX XXXX of my concerns thrice before. XXXX XXXX and its Indenture Trustee are already in dishonor of its obligations to perform in this matter. XXXX XXXX attempting to make me believe my bill payment belongs to it is a deceptive business practice. I received notice that XXXX XXXX closed my account. XXXX XXXX does not have my permission to close my account. Closing my account was unauthorized. That action was unfair as dictated by reason and practice. Closing my account after I attempted to exercise my rights in good faith is discriminatory. Discrimination in relation to any aspect of a credit transaction is strictly prohibited by law. \n\nSadly I suspect XXXX XXXX dishonor is knowingly and willingly negligent noncompliant. I also suspect XXXX XXXX is in collusion with Equifax in an attempt to defame my character as a result of non payment by intimidating me with negative credit reporting. \n\nI know XXXX XXXX accepts Non-Conforming Payments. However I sent XXXX XXXX a proper form of payment. Ive attempted to pay my bill several times previously and my Conforming Payments have been refused and remain unreturned. This leads me to think that XXXX XXXX took my payment for itself. I want my account reopened upon receipt of this notice. If my account is not reopened, made current with all payments reporting on time and paid as agreed, I will know XXXX XXXX attempt at securities fraud and extortion is purposeful and deliberate. I have all documentation ready and available as evidence to prove my claim if and when necessary. \n\nThe term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress, and canceledUnited Statesstamps.\n\nOn page two of the monthly statements I receive I notice a section titled Proper Form of Payments by Mail. Here it says payment should be sent to the address listed on the remittance portion of XXXX XXXX XXXX. I received this remittance because you XXXX XXXX has a bill that is a due bill.\n\nBill 1. Bill of exchange 2. Bill of lading 3. Treasury bill 4. Due bill, a statement of money owed as in when a bank sells a security and receives payment but has not delivered the security or equivalent asset. Outstanding due bills are considered borrowed funds by a bank issuing a bill, and a loan by the holder of the obligation. In the securities industry, a bill indicates the amount owed by a buying broker to a selling broker.\n\nEvery time I use my credit card associated with this account to make a purchase, what Im actually purchasing is security from the issuer of the bill. This security is delivered to me by way of remittance. I receive a remittance because Im selling XXXX XXXX access to my credit. XXXX XXXX, the issuer, are buying access to my credit. A remittance is how you deliver me the money owed or equivalent asset whether in cash or cash equivalent. This paper money is cash equivalent. \n\nREMITTANCE XXXX. Payment toward satisfaction of a debt, whether in cash or cash equivalents, such as checks, drafts, and other negotiable instruments. \nXXXX. Payment on an installment loan or open-end credit account, forwarded through the mail to a LOCK BOX, along with a remittance document, a machine readable billing document encoded with the customers account number, and the amount due, plus any late charges, if the loan payment is delinquent.\n\n3. PROCEEDS from a check submitted to another bank for COLLECTION. \n\nI was delivered this remittance from XXXX XXXX as payment towards satisfaction of a debt for not delivering the security purchased at the time of the purchase. This remittance is a cash equivalent that has a bill of exchange attached to it and the bill must be exchanged or redeemed for securities of a new issue. I received the remittance because the proceeds from the check attached belong to me. The only way the proceeds can be received by me, in a usable form such as cash, is to send XXXX XXXX the bill for payment as promised. \n\nLOCK BOX Post office box used by organizations to accelerate collection of receivables. Checks are routed to a designated po box number, where they are picked up several times during the day, separated from the envelopes, and submitted to the check collection system for conversion into cash receivables. Many large banks offer lock box processing as a cash management service to corporate customers. A lock box can be retail, designed for remittance processing for customer accounts, or wholesale, in which payments from other corporations are collected and submitted through DEPOSITORY TRANSFER CHECK or electronic debit payments into a concentration account. \n\nThe address listed on the remittance portion of the statement is a lock box address for credit card receivables. Checks are routed to lock boxes. The remittances I receive are check payments that I am the beneficiary of. When the preprinted demand draft is stripped from the bill of lading, they can be processed as two separate securities. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. I can not detach the coupon in advance because coupon stripping can only be done by a trust fiduciary. \n\nDEPOSITORY TRANSFER CHECK Preprinted DEMAND DRAFT used by corporations to make transfers of cash from a checking account at XXXX bank to a CONCENTRATION ACCOUNT at another bank. This negotiable instrument requires no signature. \nA remittance is a preprinted demand draft called a depository transfer check. When the depository transfer check is submitted to the paying bank, the proceeds will be deposited to the concentration account of the person who issued the bill. \n\nCONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various local banks, via wire transfer or automated clearing house debit, from other accounts in the same bank, or in different banks. \n\nA concentration account is also known as a zero-balance account. \n\nZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors. In a zero-balance collection account, collected balances are transferred by DEPOSITORY TRANSFER CHECK or automated clearing house debit from subsidiary accounts into a central CONCENTRATION ACCOUNT, bringing the collecting account to a XXXX balance at the end of each business day. Zero-balance concentration accounts are generally wanting centralized control of cash receipts. In a zero- balance disbursing account, corporate funds are transferred from a master account in an amount sufficient to cover checks presented for payment. Zero-balance disbursement accounts are typically used by companies that want centralized cash control but decentralized funds disbursement. \n\nMy security account, which XXXX XXXX is holding on my behalf, is the account with the balance at the beginning of the day. The collecting account with a XXXX balance at the end of the day is also my account. My account has a XXXX balance because an amount sufficient to cover checks presented for payment are transferred from XXXX XXXX XXXX disbursement account to my account. My account is collecting the amount transferred from a XXXX XXXX disbursement account because my check is the check presented for payment. \n\nThe directions also state to enclose a valid check, include name and account number on the check, include payment coupon and no cash permitted. \n\nCOUPON Detachable certificates showing the dollar amount of interest payable to a bond holder at regular intervals, ordinarily semiannually. Coupons on a BEARER BOND are negotiable instruments and are processed just like checks. Bond interest on BOOK-ENTRY securities is credited to the owners account. \n\nThe dollar amount on my coupon is my bond interest. Im the owner of the account collecting the bond interest. When my bond interest is credited to my account, my account will have a XXXX balance at the end of the business day. This coupon is processed just like a check because this coupon is a DEPOSITORY TRANSFER CHECK. My coupon is a preprinted DEMAND DRAFT. The coupon can only be stripped by a trust fiduciary. Implying that I should detach the coupon myself is a form of inducement. \n\nDEMAND DRAFT Written order demanding that payment be made, on sight, to a third party. The person writing the draft is called the drawee ; the bank making the payment is the drawer, or the payor bank. The beneficiary of a demand draft, the person receiving the payment, is the payee. Drafts may be payable at some future date ( time drafts ) or on sight ( demand drafts ). Demand drafts drawn on by banks are known as CHECKS. \n\nSince this draft is preprinted, the issuer, XXXX XXXX in this case, is the drawee. The United States Treasury General Account is the checking account used by the Department XXXX XXXX Treasury from which the XXXX government makes all of its payments. The Federal Reserve Bank XXXX New York holds the Treasury XXXX Account and is the drawer, XXXX bank. I am the beneficiary of the demand draft, the person receiving payment, the payee. I am the payee. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. \n\n- CHECK Demand draft drawn on by a bank. \n\nThis remittance coupon is a check owed to me in payment of bond interest on book-entry securities that must be credited to my account. The coupon is a valid check. This check must be sent for presentment to the United States Treasury for redemption or in exchange for securities of a new issue. Treasury Direct makes principle, interest, and redemption payments, directly to an individual investors account at a financial institution. XXXX XXXX request that I write my card number as a memo on the check. I think that is a form of inducement to make me believe the coupon and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account at your institution. My REMITTANCE COUPON is a valid CHECK. \n\nPROCEEDS XXXX. Amount given to a borrower after prepaid interest, loan fees, and other costs are deducted. \nXXXX. Funds received from the sale of assets, or from the issue of securities, after deductions of selling or marketing expenses incurred. \nXXXX. Sum of money collected on a CHECK or other negotiable instrument after deduction of exchange or collection charges. \n\nThe bank sells me a security every time I make a purchase using the card associated with the account. When I dont receive the assets, within XXXX business days, the funds for the purchase are considered borrowed, the sale becomes a DUE BILL, and the borrowed funds must be returned to me. The PROCEEDS from the REMITTANCE I receive is payment toward the satisfaction of the money owed to me. The DUE BILL is attached to my REMITTANCE. I promised to pay XXXX XXXX the DUE BILL. I did not promise to pay XXXX XXXX the PROCEEDS from my REMITTANCE. The COUPON is my bond interest on my book-entry securities that must be credited to my account. My REMITTANCE COUPON is a preprinted DEMAND DRAFT called a DEPOSITORY TRANSFER CHECK. The DEPOSITORY TRANSFER CHECK is a DEMAND DRAFT payable on sight. Since I promised to pay XXXX XXXX the DUE BILL, a trust fiduciary must strip my COUPON and process them as separate securities. The equitable agreement is that I promise to pay XXXX XXXX the DUE BILL and in return it must clear my electronic CHECK so I may receive my PROCEEDS. At redemption the DEPOSITORY TRANSFER CHECK is deposited and XXXX XXXX will receive a receipt, which has actual cash value, for the face amount. The receipt is deposited via wire transfer into its CONCENTRATION ACCOUNT, for zero-balance disbursement to my account which is the account collecting the balance. When all disbursements are made to collecting accounts, the CONCENTRATION ACCOUNT, and all the collecting accounts will have a zero-balance by the end of that business day. XXXX XXXX PROCEEDS come from the deep discounts it receives at redemption. Separating the corpus, or the bond principle, from the interest COUPON effectively creates a zero-coupon security that can be traded on the secondary market. My PROCEEDS is the sum of money collected on the check I received from the issue of securities. The PROCEEDS from the CHECK is my REMITTANCE. When I receive the PROCEEDS from my REMITTANCE, my financial asset or its equivalent, is considered delivered. The PROCEEDS from the REMITTANCE is considered my income. I believe XXXX XXXX has been keeping my income for itself. \n\n- CASH XXXX. Currency ( including bills and coin ) in circulation, including checking account balances. Cash held by a bank for example VAULT CASH, requires no capital backing under risk-based capital rules adopted by bank regulatory agencies. \nXXXX. To convert a check into cash by endorsing and presenting to a bank. \n\nChecking account balances are considered cash. Sending XXXX XXXX a check where funds will be debited from my checking account balance is the same as sending it cash and that would constitute payment not received in proper form. The only check I can send XXXX XXXX as a Proper Form of Payment by Mail is my remittance check. \n\nELECTRONIC CHECK PRESENTMENT In check clearing, electronic transmission of the check writers account number and other payment data directly to the paying bank. Electronic check presentment does not eliminate use of paper checks, but it does allow for a more efficient and less costly method for clearing checks. The Check Clearing for the 21st Century ( or Check 21 ) Act permits banks to send a digital image of a paper check instead of the actual check and thus eliminates much of the labor-intensive costs associated with clearing billions of checks Americans write every year. \n\nDue to federal law, known as The Check Clearing for the 21st Century Act, enabling banks to process paper checks as electronic payments, using a bank service called truncation, where the actual handling of the check is stopped and an electronic check image of the paper check is transmitted to the paying bank. Coupons are normally associated with physical bonds. Since my book-entry securities are held and traded electronically, a digital presentation of the coupon is needed to facilitate the interest payment process. At the paying bank a substitute check is created for check clearing. The actual paper check is held by XXXX XXXX and the check is not returned to the check writer with the account statement. I am in receipt of the account statement. I am the check writer with the account statement. Some of the payment data is already preprinted on the check. The other payment data that I add to the preprinted draft such as For Deposit Only makes me the writer and the payee. I promised to pay XXXX XXXX the DUE BILL. The DUE BILL is the corpus, or the paper above the perforated line. The corpus also carries the bill of lading with it. The bill of lading is the numbers being transported on the DUE BILL which act as a receipt detailing the security purchase. The numbers are the securities purchased and the goods being transported. This means that the numbers are the securities I purchased. The numbers represent money. The goods being transported is the money. Security is money. I use my purchase money to purchase money. The receipt is an inland bill of exchange that can be deposited and exchanged for a treasury bill. The bill is your payment and the remittance is my payment. The remittance is the money I purchased. I can not redeem my PROCEEDS without XXXX XXXX. Interest payments on book-entry securities need to be made electronically. I have not received any of my payments. The PROCEEDS from my REMITTANCE is my income. \n\nSENDING XXXX XXXX MY REMITTANCE CHECK FOR PAYMENT IS A PROPER FORM OF PAYMENT BY MAIL. I AM ONCE AGAIN PROVIDING XXXX XXXX WITH A CHECK FOR PAYMENT AND I AUTHORIZE XXXX XXXX TO EITHER USE THE INFORMATION FROM MY CHECK TO MAKE A ONE-TIME ELECTRONIC FUNDS TRANSFER FROM MY ACCOUNT OR TO PROCESS MY PAYMENT AS A CHECK TRANSACTION. \n\nI have been sending XXXX XXXX checks and it is has not processed any of them. I have been sending XXXX XXXX checks and it has refused them all. XXXX XXXX closed my account. XXXX XXXX not only threatened to report my account, it actually does report, and continues to report my account negatively to the consumer reporting agencies. XXXX XXXX has taken the BILL along with my REMITTANCE and is now attempting to extort a cash payment from my checking account. XXXX XXXX has taken the PROCEEDS of my REMITTANCE, which is my income, and is making reports, with Equifax, claiming that I now owe XXXX XXXX an amount equal to the income it has already stolen from me. Transactions and experiences are a reflection of my income. Income is not a part of a credit report. You at Equifax have been making reports reflecting my income. You at Equifax may be guilty of racketeering like activity if you do not immediately update these two accounts to open, current, paid as agreed, XXXX debt utilization, XXXX due, and no late payments or you must completely remove them from my consumer report.","date_sent_to_company":"2023-08-23T16:09:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"7446800","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-23T15:46:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various <em>local</em> banks, via <em>wire</em> transfer or automated clearing house debit, from other accounts in the same bank, or in different banks. \n\nA concentration account is also known as a zero-balance account. \n\nZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors."]},"sort":[8.240517,"7446800"]},{"_index":"complaint-public-v1","_id":"7442892","_score":8.235365,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I should not have to tell you at that transactions and experiences are excluded from consumer reports. I have, however, since XX/XX/2022, been telling you to STOP reporting my transactions and experiences. You can not pick and choose which section of the Fair Credit Reporting Act you want to follow and which section you do not. Pursuant to section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, you making a report containing my transactions and experiences is a prohibited. I suspect XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and Experian are in collusion with committing securities fraud, money laundering, tax evasion, and extortion. \n\nTransaction 1. Any event that cause a change in an organizations financial position or net worth, resulting from normal business activity. It is recorded on the general ledger by debit or credit tickets. \n2. Advance of funds, as in a credit card cash advance, purchase of goods at a retailer, or when a borrower activates a line of credit. \n3. Activities affecting a deposit account, such as a deposit of funds or a withdrawal, carried out at the request of the account holder. \n\nEvery time I use my credit card to make a purchase, that purchase is recorded in the general ledger according to the Generally Accepted Accounting Principles. Every purchase I make is a transaction. Every purchase I make using my credit card raises my debt utilization. Debt utilization is the result of one or more a transactions. My credit card balances are based on the purchase of goods at a retailer. Purchases money or the advance of funds held on deposit is a transaction. My credit limit is a transaction. Activities such as a deposit or withdrawal reflect my payment history. My payment history is a transaction. Every transaction is a bank experience. My debt utilization, account balances, amounts due, due dates, and payment history are all transactions and experiences that must be excluded from my consumer report. Immediately stop reporting my debt utilization, account balances, amounts due, due dates, all payment history, and update both accounts referenced in this complaint to paid as agreed. \nThese transactions are a result of income being credited and debited from my accounts. Debt is a reflection of my income. \n\nFurthermore, Ive notified you over three times about the billing dispute Ive been having with XXXX XXXX since XX/XX/2022. After I notified you, you continued to make reports and allow reports to be made containing prohibited information. Pursuant to section 162 ( a ) of the Fair Credit Billing Act, adverse credit reporting during a billing dispute is prohibited. So even if you were permitted to make reports using my transactions and experiences, adverse reports made during a billing dispute, to any party, is prohibited. I personally gave you notice of the billing dispute Ive been having with XXXX XXXX and you still continue to create reports using the inaccurate and prohibited information given to you by XXXX XXXX. You are also currently making reports showing my XXXX XXXX XXXX XXXX account is closed. Not only is that a violation of section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting act and section 162 ( a ) of The Fair Credit Billing Act, pursuant to section 161 ( d ) of The Fair Credit Billing Act, restricting or closing my account because of a billing error is also prohibited. This account was closed unlawfully and you are allowing the furnishing and reporting of an unlawful action taken against me. I told you to remove these two accounts until the disputes are resolved and accurate credit reporting has been established. Due to the reports youre making containing this unlawful, prohibited, and inaccurate information, my name and credit has been made inequitable. My credit scores and credit ratings have dropped tremendously. This is a misrepresentation of my identity and your misrepresentation of my identity can be considered as identity theft. \n\nI suspect you did not do a proper investigation or reinvestigation before you allowed that information furnished and reported. Even after I specified what information was inaccurate you still allowed the inaccurate information to be furnished and reported. Even after I informed you of the billing dispute, you still allowed adverse credit reporting. Even after I pointed out to you exactly what information is prohibited from being furnished and reported on a consumer report, you still permitted the furnishing and reporting of said prohibited information on my consumer report. This dispute is has not been resolved. \n\nI pay my bill as agreed. Making an application for an extension of credit is a way of investing into companies who use short term debt instruments as a way of temporary financing. Owners of book-entry securities are issued statements. The draft attached to my statement is a bill equal to the amount of securities purchased and paid for with my credit. The bill amount is the security my credit purchased. Selling access to my credit makes me the purchaser. The draft is guaranteed because the proceeds do not belong to XXXX XXXX. My credit purchased the security. Im entitled to have my financial assets credited to my securities account. \n\nIve been trying for months to complete the purchase of securities I purchased on credit with the extension of credit I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me. Since the application is where the agreement is made, the application is the promissory note. My application created the deposit account and holds the purchase money that my application was exchange for. This account and the purchase money therein allows me to purchase more security on credit from the issuer in an amount no greater than the purchase money held on deposit at the time of purchase. Every purchase I make using my account is a deposit with the issuer of the bill. The deposit amount is the security I purchased from the issuer. The cash advance I received for investing my credit, via application, with XXXX XXXX is called purchase money because that money is used to purchase money, or security. Purchase money is used to purchase money. The deposit account, the purchase money in that account, the card used to make purchases, and all bills received from the transactions of that account are financial assets to me. This deposit account is a securities account being held on my behalf with the issuer of the monthly statements I receive. My credit is backed by the full faith and credit of the United States. Every security is backed by the full faith and credit of the United States. I am a trust account customer. My social security account is the account being used to hold my deposit account. The deposit account is a securities account. This is why I can gain access to the transaction history of my deposit account by verifying my social security number over the phone with the issuer of my monthly statements. XXXX XXXX is the issuer of the monthly statements I receive. These statements evidence my ownership of book-entry securities. The due bill is a statement of money owed as when a bank sells a security and receives payment but has not delivered the security or equivalent asset to the purchaser within three business days. Outstanding due bills are considered borrowed funds by a bank issuing a bill and a loan to the holder of the obligation. This paper I received, and am now returning, is considered eligible paper for rediscount at the discount window. This form of paper money, the bill, are the funds you use as payment to borrow and use my credit as collateral for a securities loan. Credit card receivables are bill payments. XXXX XXXX is using my financial assets as collateral for a securities loan at the discount window. \n\nI have received the title documents and receipts for goods ( securities ) transported and I now want all of my unredeemed demand drafts, of past present and future, redeemed at face value, exchanged for securities of a new issue, and restricted to my United States Treasury Direct account. This paper money is legal tender that must be securitized to lawful money. Once its stripped and the coupon is restricted to my Treasury Direct Account my bill is considered paid. Whether the statement has a preprinted draft attached or not, this is how I want all bills payable to be paid for every account being held by XXXX XXXX on my behalf. This includes the account associated with my XXXX by XXXX XXXX credit card. The Treasury will make the principle payment to the securities account XXXX XXXX is holding on my behalf by issuing it the preprinted demand draft as a receipt via wire transfer. The interest rate XXXX XXXX is normally entitled to is the discount it receives on redemption at par. The zero coupon security is a marketable security. When XXXX XXXX gets the cusip number I want XXXX XXXX to trade or sell my security, at its discretion, on secondary the market. I know by law XXXX XXXX is entitled to receive 20 % at maturity. At maturity I want my 80 % deposited to my Treasury Direct Account. \n\nI continue receiving notice that my bill is payable. Bills payable are XXXX XXXX trade obligations that must be accepted. Acceptance is guaranteed because the draft is guaranteed. The draft is guaranteed because the preprinted demand draft is a check payable on sight. Attached to the preprinted demand draft is a receipt of the goods being transported. The goods being transported are the numbers on the bill that represent the security purchased. I know acceptance is completed by delivery or notification and payable on sight. This is a demand that must be accepted because the draft is a demand. Consider this my notification. \n\nConsider this my final notification because I have notified XXXX XXXX of my concerns thrice before. XXXX XXXX and its Indenture Trustee are already in dishonor of its obligations to perform in this matter. XXXX XXXX attempting to make me believe my bill payment belongs to it is a deceptive business practice. I received notice that XXXX XXXX closed my account. XXXX XXXX does not have my permission to close my account. Closing my account was unauthorized. That action was unfair as dictated by reason and practice. Closing my account after I attempted to exercise my rights in good faith is discriminatory. Discrimination in relation to any aspect of a credit transaction is strictly prohibited by law. \n\nSadly I suspect XXXX XXXX dishonor is knowingly and willingly negligent noncompliant. I also suspect XXXX XXXX is in collusion with Experian in an attempt to defame my character as a result of non payment by intimidating me with negative credit reporting. \n\nI know XXXX XXXX accepts Non-Conforming Payments. However I sent XXXX XXXX a proper form of payment. Ive attempted to pay my bill several times previously and my Conforming Payments have been refused and remain unreturned. This leads me to think that XXXX XXXX took my payment for itself. I want my account reopened upon receipt of this notice. If my account is not reopened, made current with all payments reporting on time and paid as agreed, I will know XXXX XXXX attempt at securities fraud and extortion is purposeful and deliberate. I have all documentation ready and available as evidence to prove my claim if and when necessary. \n\nThe term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress, and canceledUnited Statesstamps. \n\nOn page two of the monthly statements I receive I notice a section titled Proper Form of Payments by Mail. Here it says payment should be sent to the address listed on the remittance portion of XXXX XXXX Statement. I received this remittance because you XXXX XXXX has a bill that is a due bill. \n\nBill 1. Bill of exchange 2. Bill of lading 3. Treasury bill 4. Due bill, a statement of money owed as in when a bank sells a security and receives payment but has not delivered the security or equivalent asset. Outstanding due bills are considered borrowed funds by a bank issuing a bill, and a loan by the holder of the obligation. In the securities industry, a bill indicates the amount owed by a buying broker to a selling broker. \n\nEvery time I use my credit card associated with this account to make a purchase, what Im actually purchasing is security from the issuer of the bill. This security is delivered to me by way of remittance. I receive a remittance because Im selling XXXX XXXX access to my credit. XXXX XXXX, the issuer, are buying access to my credit. A remittance is how you deliver me the money owed or equivalent asset whether in cash or cash equivalent. This paper money is cash equivalent. \n\nREMITTANCE 1. Payment toward satisfaction of a debt, whether in cash or cash equivalents, such as checks, drafts, and other negotiable instruments. \n2. Payment on an installment loan or open-end credit account, forwarded through the mail to a LOCK BOX, along with a remittance document, a machine readable billing document encoded with the customers account number, and the amount due, plus any late charges, if the loan payment is delinquent. \n3. PROCEEDS from a check submitted to another bank for COLLECTION. \n\nI was delivered this remittance from XXXX XXXX as payment towards satisfaction of a debt for not delivering the security purchased at the time of the purchase. This remittance is a cash equivalent that has a bill of exchange attached to it and the bill must be exchanged or redeemed for securities of a new issue. I received the remittance because the proceeds from the check attached belong to me. The only way the proceeds can be received by me, in a usable form such as cash, is to send you the bill for payment as promised. \n\nLOCK BOX XXXX XXXX XXXX used by organizations to accelerate collection of receivables. Checks are routed to a designated XXXX XXXX  number, where they are picked up several times during the day, separated from the envelopes, and submitted to the check collection system for conversion into cash receivables. Many large banks offer lock box processing as a cash management service to corporate customers. A lock box can be retail, designed for remittance processing for customer accounts, or wholesale, in which payments from other corporations are collected and submitted through DEPOSITORY TRANSFER CHECK or electronic debit payments into a concentration account. \n\nThe address listed on the remittance portion of the statement is a lock box address for credit card receivables. Checks are routed to lock boxes. The remittances I receive are check payments that I am the beneficiary of. When the preprinted demand draft is stripped from the bill of lading, they can be processed as two separate securities. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. I can not detach the coupon in advance because coupon stripping can only be done by a trust fiduciary. \n\nDEPOSITORY TRANSFER CHECK Preprinted DEMAND DRAFT used by corporations to make transfers of cash from a checking account at one bank to a CONCENTRATION ACCOUNT at another bank. This negotiable instrument requires no signature. \nA remittance is a preprinted demand draft called a depository transfer check. When the depository transfer check is submitted to the paying bank, the proceeds will be deposited to the concentration account of the person who issued the bill. \n\nCONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various local banks, via wire transfer or automated clearing house debit, from other accounts in the same bank, or in different banks. \n\nA concentration account is also known as a zero-balance account. \n\nZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors. In a zero-balance collection account, collected balances are transferred by DEPOSITORY TRANSFER CHECK or automated clearing house debit from subsidiary accounts into a central CONCENTRATION ACCOUNT, bringing the collecting account to a zero balance at the end of each business day. Zero-balance concentration accounts are generally wanting centralized control of cash receipts. In a zero- balance disbursing account, corporate funds are transferred from a master account in an amount sufficient to cover checks presented for payment. Zero-balance disbursement accounts are typically used by companies that want centralized cash control but decentralized funds disbursement. \n\nMy security account, which XXXX XXXX is holding on my behalf, is the account with the balance at the beginning of the day. The collecting account with a XXXX  balance at the end of the day is also my account. My account has a XXXX  balance because an amount sufficient to cover checks presented for payment are transferred from XXXX XXXX zero-balance disbursement account to my account. My account is collecting the amount transferred from a XXXX XXXX disbursement account because my check is the check presented for payment. \n\nThe directions also state to enclose a valid check, include name and account number on the check, include payment coupon and no cash permitted. \n\nCOUPON Detachable certificates showing the dollar amount of interest payable to a bond holder at regular intervals, ordinarily semiannually. Coupons on a BEARER BOND are negotiable instruments and are processed just like checks. Bond interest on BOOK-ENTRY securities is credited to the owners account. \n\nThe dollar amount on my coupon is my bond interest. Im the owner of the account collecting the bond interest. When my bond interest is credited to my account, my account will have a XXXX  balance at the end of the business day. This coupon is processed just like a check because this coupon is a DEPOSITORY TRANSFER CHECK. My coupon is a preprinted DEMAND DRAFT. The coupon can only be stripped by a trust fiduciary. Implying that I should detach the coupon myself is a form of inducement. \n\nDEMAND DRAFT Written order demanding that payment be made, on sight, to a third party. The person writing the draft is called the drawee ; the bank making the payment is the drawer, or the payor bank. The beneficiary of a demand draft, the person receiving the payment, is the payee. Drafts may be payable at some future date ( time drafts ) or on sight ( demand drafts ). Demand drafts drawn on by banks are known as CHECKS. \n\nSince this draft is preprinted, the issuer, XXXX XXXX in this case, is the drawee. The United States Treasury General Account is the checking account used by the Department of U.S. Treasury from which the U.S. government makes all of its payments. The Federal Reserve Bank of New York holds the Treasury General Account and is the drawer, payor bank. I am the XXXX  of the demand draft, the person receiving payment, the payee. I am the XXXX. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. \n\n- CHECK Demand draft drawn on by a bank. \n\nThis remittance coupon is a check owed to me in payment of bond interest on book-entry securities that must be credited to my account. The coupon is a valid check. This check must be sent for presentment to the United States Treasury for redemption or in exchange for securities of a new issue. Treasury Direct  makes principle, interest, and redemption payments, directly to an individual investors account at a financial institution. XXXX XXXX request that I write my card number as a memo on the check. I think that is a form of inducement to make me believe the coupon and the bill are one and the same because I receive them attached to one another. Since the bill and coupon are attached, and only a trust fiduciary can strip it, In order to present the check for payment, I have to pay you the bill. I am an individual investor with an account at your institution. My REMITTANCE COUPON is a valid CHECK. \n\nPROCEEDS 1. Amount given to a borrower after prepaid interest, loan fees, and other costs are deducted. \n2. Funds received from the sale of assets, or from the issue of securities, after deductions of selling or marketing expenses incurred. \n3. Sum of money collected on a CHECK or other negotiable instrument after deduction of exchange or collection charges. \n\nThe bank sells me a security every time I make a purchase using the card associated with the account. When I dont receive the assets, within 3 business days, the funds for the purchase are considered borrowed, the sale becomes a DUE BILL, and the borrowed funds must be returned to me. The PROCEEDS from the REMITTANCE I receive is payment toward the satisfaction of the money owed to me. The DUE BILL is attached to my REMITTANCE. I promised to pay XXXX XXXX the DUE BILL. I did not promise to pay XXXX XXXX the PROCEEDS from my REMITTANCE. The COUPON is my bond interest on my book-entry securities that must be credited to my account. My REMITTANCE COUPON is a preprinted DEMAND DRAFT called a DEPOSITORY TRANSFER CHECK. The DEPOSITORY TRANSFER CHECK is a DEMAND DRAFT payable on sight. Since I promised to pay XXXX XXXX the DUE BILL, a trust fiduciary must strip my COUPON and process them as separate securities. The equitable agreement is that I promise to pay XXXX XXXX the DUE BILL and in return it must clear my electronic CHECK so I may receive my PROCEEDS. At redemption the DEPOSITORY TRANSFER CHECK is deposited and XXXX XXXX will receive a receipt, which has actual cash value, for the face amount. The receipt is deposited via wire transfer into its CONCENTRATION ACCOUNT, for zero-balance disbursement to my account which is the account collecting the balance. When all disbursements are made to collecting accounts, the CONCENTRATION ACCOUNT, and all the collecting accounts will have a zero-balance by the end of that business day. XXXX XXXX PROCEEDS come from the deep discounts it receives at redemption. Separating the corpus, or the bond principle, from the interest COUPON effectively creates a zero-coupon security that can be traded on the secondary market. My PROCEEDS is the sum of money collected on the check I received from the issue of securities. The PROCEEDS from the CHECK is my REMITTANCE. When I receive the PROCEEDS from my REMITTANCE, my financial asset or its equivalent, is considered delivered. The PROCEEDS from the REMITTANCE is considered my income. I believe XXXX XXXX has been keeping my income for itself. \n\n- CASH 1. Currency ( including bills and coin ) in circulation, including checking account balances. Cash held by a bank for example VAULT CASH, requires no capital backing under risk-based capital rules adopted by bank regulatory agencies. \n2. To convert a check into cash by endorsing and presenting to a bank. \n\nChecking account balances are considered cash. Sending XXXX XXXX a check where funds will be debited from my checking account balance is the same as sending it cash and that would constitute payment not received in proper form. The only check I can send XXXX XXXX as a Proper Form of Payment by Mail is my remittance check. \n\nELECTRONIC CHECK PRESENTMENT In check clearing, electronic transmission of the check writers account number and other payment data directly to the paying bank. Electronic check presentment does not eliminate use of paper checks, but it does allow for a more efficient and less costly method for clearing checks. The Check Clearing for the 21st Century ( or Check 21 ) Act permits banks to send a digital image of a paper check instead of the actual check and thus eliminates much of the labor-intensive costs associated with clearing billions of checks Americans write every year. \n\nDue to federal law, known as The Check Clearing for the 21st Century Act, enabling banks to process paper checks as electronic payments, using a bank service called truncation, where the actual handling of the check is stopped and an electronic check image of the paper check is transmitted to the paying bank. Coupons are normally associated with physical bonds. Since my book-entry securities are held and traded electronically, a digital presentation of the coupon is needed to facilitate the interest payment process. At the paying bank a substitute check is created for check clearing. The actual paper check is held by XXXX XXXX and the check is not returned to the check writer with the account statement. I am in receipt of the account statement. I am the check writer with the account statement. Some of the payment data is already preprinted on the check. The other payment data that I add to the preprinted draft such as For Deposit Only makes me the writer and the payee. I promised to pay XXXX XXXX the DUE BILL. The DUE BILL is the corpus, or the paper above the perforated line. The corpus also carries the bill of lading with it. The bill of lading is the numbers being transported on the DUE BILL which act as a receipt detailing the security purchase. The numbers are the securities purchased and the goods being transported. This means that the numbers are the securities I purchased. The numbers represent money. The goods being transported is the money. Security is money. I use my purchase money to purchase money. The receipt is an inland bill of exchange that can be deposited and exchanged for a treasury bill. The bill is your payment and the remittance is my payment. The remittance is the money I purchased. I can not redeem my PROCEEDS without XXXX XXXX. Interest payments on book-entry securities need to be made electronically. I have not received any of my payments. The PROCEEDS from my REMITTANCE is my income. \n\nSENDING XXXX XXXX MY REMITTANCE CHECK FOR PAYMENT IS A PROPER FORM OF PAYMENT BY MAIL. I AM ONCE AGAIN PROVIDING XXXX XXXX WITH A CHECK FOR PAYMENT AND I AUTHORIZE XXXX XXXX TO EITHER USE THE INFORMATION FROM MY CHECK TO MAKE A ONE-TIME ELECTRONIC FUNDS TRANSFER FROM MY ACCOUNT OR TO PROCESS MY PAYMENT AS A CHECK TRANSACTION. \n\nI have been sending XXXX XXXX checks and it is has not processed any of them. I have been sending XXXX XXXX checks and it has refused them all. XXXX XXXX closed my account. XXXX XXXX not only threatened to report my account, it actually does report, and continues to report my account negatively to the consumer reporting agencies. XXXX XXXX has taken the BILL along with my REMITTANCE and is now attempting to extort a cash payment from my checking account. XXXX XXXX has taken the PROCEEDS of my REMITTANCE, which is my income, and is making reports, with Experian, claiming that I now owe XXXX XXXX an amount equal to the income it has already stolen from me. Transactions and experiences are a reflection of my income. Income is not a part of a credit report. You at Experian have been making reports reflecting my income. You at Experian may be guilty of racketeering like activity if you do not immediately update these two accounts to open, current, paid as agreed, zero debt utilization, zero due, and no late payments or you must completely remove them from my consumer report. \nI have also received an email notification from you stating that pursuant section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, you were unable to honor my request or a portion of it. What did you not understand about telling you to update these accounts as directed or remove them both completely?","date_sent_to_company":"2023-08-23T14:52:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"7442892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-23T14:15:24.000Z","state":"NY","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":["CONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various <em>local</em> banks, via <em>wire</em> transfer or automated clearing house debit, from other accounts in the same bank, or in different banks. \n\nA concentration account is also known as a zero-balance account. \n\nZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors."]},"sort":[8.235365,"7442892"]},{"_index":"complaint-public-v1","_id":"3357398","_score":5.4462214,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, After marrying United States XXXX XXXX   XXXX XXXX in XX/XX/XXXX, my husband and I naturally choose to open a joint checking account in XX/XX/XXXX with his already existing USAA account. We made the call together and answered all of the questions that were probed. My husband is the primary account contributor and account holder as I have a different bank. All was well until I received a call from USAA on XX/XX/XXXX during my lunch break at work. I thought this call was in regards to a flood claim that was denied, but the representative stated I had some missing information from my membership profile. I thought the call was very odd as they were requesting some personal financial information ( estimated net worth, annual income, etc. ) that was required by the Patriot Act that I answer. I was worried it was a scam so I decided it would be best to call them myself the next day. I first looked specifically at the Patriot Act ( 2001 ),  Bank Secrecy Act ( BSA ), and Gramm-Leach- Bliley Act ( GLBA 1999 ). I learned two were designed after XX/XX/XXXX to help detect terrorism, money laundering, and illegal activities and the other to protect financial privacy. Turns out all that is required under Section 326 : Verification of Identification of the Patriot Act is : Name, Date of Birth, Social Security Number, ( to confirm they are a US citizen ), Address, and comparison with government lists of known/suspected XXXX activity ( usually referred to as banking systems ). This is in addition to record keeping as a requirement of the Treasury. All of which are used to verify the identity of the personwhich is understandable and I agree necessary. Yet, nowhere does any federal regulation however require financial information, despite USAAs claims. All of the following summaries below were direct recorded conversations, and I am willing to share them if needed. I am hoping to get confirmation that this information is required by federal law, and if it is not, I would like to take legal action against USAA as I believe it is a violation of my financial protection rights. What follows is quite extensive, but felt it imperative I be comprehensive. \nOn XX/XX/XXXX I called USAA myself to confirm their claim. The agent demanded the information was required by federal law by the Patriot Act and Bank Secrecy Act and that I was required to answer the personal finance questions. I was informed if I did not answer the questions the account would be closed or our assets frozen. I was confused why the needed information was not gathered when we opened the account and was uncomfortable about the questions as it didnt seem it was a federal regulation, so I requested to speak to a manager. The following conversation was with XXXX, of the executive resolutions team, as the senior advisor at USAA : I enquired, did I sign your privacy notice? After we determined it is never actually signed, in regards to my privacy, she checked and confirmed my privacy preference is share. I asked, What changed where you are now required to get my information since you didnt get it before as it is required by federal law? Or is it not required and this is just something that USAA is doing? She replied, No this is something that is required for secondary account holders by the federal law. So I inquired, When we opened the account you claim we used the primarys ( my husbands ) information and that has been sufficient for the last year. This isnt my primary account I have a different bank. So why all of the sudden now are you threatening to inactivate our account if I dont give you this information? If it wasnt required before what makes it required now? The only answer Ive gotten is that it is federal law ; so either you werent compliant with federal law and are now being required to get the information, or it is for your own interest. I would like to know what those interests are, what you are going to do with this information, if you are going to be sharing any of this information, or using it for rates or other data then I am required to view the privacy notice for you to do that. So I am confused. As I was not the primary account holder, I was told I was not allowed to get access to the information we provided when the account was opened. I would have to wait for my husband to be present. \nIn the meantime, I reached out to my personal bank on XX/XX/XXXX. They advised me NOT to share this information as it is not a federal law and could be shared. I decided to take another step further and speak to XXXX XXXX on XX/XX/XXXX, another Federal Bank to see if this information was indeed required by all other banks as USAA claimed. I spoke to manager XXXX and the conversation went as follows : I wondered what questions she would be asking us or what information would they need to open a joint account and she stated, IDs, maiden name, SSN, DOB. While they may have different policies, as for it being a law, all banks would be following it, as far as I know it is not considered a law. Even if there are financial questions that we may ask you for loans, credit card, or investment accounts, they are up to you if you want to answer. This confirmed my research that it was not a federal requirement. \nLater the same day of XX/XX/XXXX, when my husband was home, we spent two hours on the phone to try and get some answers. First, was with USAA agent XXXX. In summary we challenged why this information wasnt provided when the account was opened, this was due to periodic reviews of accounts, the accounts who have not answered these questions are being notified they do need to answer the questions. We had wanted to view the paperwork when the account was opened, but she did not have the information because, we do not have that information to see. It is at the back office where they opened the account. We insisted to be transferred to them stating she would be right back with us. We waited on hold for over 45 minutes, with no answer and never spoke to her again. \nOn our next attempt we decided to call as if we were opening an account to see how that department would answer our questions. After talking to USAA representative XXXX, we were told I should be able to access any information even though I am not the primary contrary to what I have been told prior. XXXX stated we have to ask financial information as all banks do. After waiting on hold for another 10 minutes for him to review the notes, and the nature of our call he stated again, I do not have access to see the information or the answers that were provided when you opened the account. I work in XXXX and XXXX in XXXX XXXX XXXX. He did confirm that he was asking those same questions when accounts were being opened now : annual income, estimate net worth, occupation, etc.. He stated there are other regulations that require income information under customer due diligence under regulation D and various banking regulations. He was not able to send me information about due diligence so we were conferenced in to Senior with Executive resolutions XXXX ( CEO member relations? ) : XXXX tried to assist us in trying to figure out what information we provided when opening the account. She stated, let me explain to you whats going on. You would not have gotten this information when you opened your account. There was an enhancement to the Patriot Act last year [ XXXX ]. So, this year, all the banks have to comply with the enhancement of the Patriot Act. So those questions like your employment, your income, things like that. So those are a federal regulation now that banks are required to collect this information as part of the customer due diligence information to better get to know your customers ( KYC ) due to all of the terrorism, and things like that going on. We stated we thought we answered our annual income and other questions when we opened the account. She stated each person on the account needed to provide separate information even though we were married. XXXX directed me to the FDIC.gov website to search Customer Due Diligence ( CDD ) which I did. I told XXXX that my personal bank advised I do not give this information as they were not required to and she stated, well they will be. This is a federal regulation that went into effect. XXXX confirmed we started asking these questions this year, but the law went into effect last year so the banks now have to go in and get this information from account holders. I told her all that I could find in regards to the laws were name, date of birth, SSN, and she articulated, It will state other information on that website regarding the customer due diligence where you can ask certain information. On the website I saw nothing even closely related to financial information being required on the CDD update. We repeated to request to see what information was given upon opening of our joint checking account before we add to anything, in hopes to make any information accurate and true. XXXX then stopped answering our questions, and transferred us again to the back office that never answered the phone while hanging up. We waited on hold for 15 minutes to no avail. \nThe final call, was still on XX/XX/XXXX, was the checking department where we spoke to representative XXXX. Irritated she also couldnt access the information we provided when we opened our account so we could verify what information we already provided. I educated her this information was required by the Patriot Act to be kept and maintained for 5 years. We were then compelled to be transferred to specialist XXXX for the next hour about the KYC and CCD questions. We exasperated explaining we were trying first to confirm what information they already had before adding more to it, then trying to better understand their requirement as it was not a federal law to provide financial information under the BSA, Patriot Act, or Due Diligence update. The conversation with XXXX on XX/XX/XXXX went as follows as is quite lengthy : I dictated Are you filing a SAR? I am not comfortable sharing the information as it increases my risk of identity theft, a data breach, you can share the information with credit bureaus, internal marketing, external marketing, joint marketing, and affiliates. I have not been told how this information will be protected, or how it is shared, or how you secure the information. I have been told I can not opt out, and it is a violation of the Gramm Leach Bliley Act of 1999 [ nor had I seen a privacy notice for XXXX ]. Until those questions are answered for me this is not allowed. She rudely exclaimed, So I will first say the majority of what you say is incorrect. It is absolutely required under the BSA and under the Patriot Act. Any large bank by FDIC regulation is required to abide by these laws. I agreed these are federal laws, but that financial questions are not apart of those laws. She stated, Yes they are Maam. I quoted section 326 of the Patriot Act, and she ignored it. She was able to confirm in the notations that they had my employment information, physical address, your social security number, date of birth, citizenship, and your full name. That is what we have on file. I stated that my annual income is not a requirement of a federal law as they are already able to verify my identity by the Patriot Act. She stated, yes, it is a requirement and I will agree to disagree. I requested to speak to legal to learn how they will protect and share and secure the information and opt me out of sharing. Id like them to show me the privacy notice from this year or you are not getting the information. I would like to speak to legal to hear on the record what they will do with the information to protect and secure it and opt me out of sharing or I am not going to answer. She replied, okay then your account will be closed. Our legal department does not reach out to customers regarding this matter because it is a standard matter and you absolutely are required. I stated, no other banks Ive spoken with are requiring this information and that is not true. She stated, that is it true and I dont need to speak to your banks as that would be a waste of my time. This conversation is not productive and you have received the same information from five different people. After threatening to end the call, she exclaimed, you have your opinion and it is not factual. I apologize if you disagree but that is not going to change the federal regulations. \nInstead of her ending the call, I stated there was something else she could help with in regards to why if this requirement came out in XX/XX/XXXX, why we werent asked upon opening the account in XX/XX/XXXX. She held there was an internal audit around the time we opened our account and found there was information that they did not have on file as I have already told you. It did not go out in mass issue to members as it would have overwhelmed their system and call volumes. It has just taken this long to get to my name. They have to go through all of their records from the XXXX, XXXX, and XXXX and so yes we have had to do that in groups. We had her confirm once my husband was on the phone that he had already answered the questions they have everything that they need on file for him but was not able to determine when or how he answered the questions. \nMy husband calmly stipulated are the questions different for my personal account because I thought when we opened our joint account, we did it at our combined income levels not separate. She simply said yes, so we reiterated, if they have the combined income of mine and hers together as one number, we needed access to it so we could separate it properly, instead of adding more to it which would change our risk factor. She detailed we can not have a joint answer for two people. However, she was not able to confirm what our annual income was for the account. I do not see it in front of me it is in the back-office records. I was troubled saying, if I gave you my annual income now, it could be potentially adding it to the joint income they may already have which wouldnt be accurate for the federal government She informed us, Their records department is a non-member contact, which is why you never got a response from them as they do not accept phone calls, they are a back office department. We tried to explain we had already been transferred to them twice today and she declared she didnt know how and she couldnt speak to what has happened on previous calls. We stated again we needed to either give us the information that is on our records right now, or we have to update them both together. XXXX described, what I update will just go through the system to records and add to it. There is no way to remove it even if he were to call and change it. No so these are general questions. All these are for it to be sure we can do mitigate risk and be sure that we can do risk monitoring for our members activity. Thats all it is for. So, we corroborated if we gave you the wrong information and were put into a different risk bracket that was going to be a problem. XXXX held, So no, you are misunderstanding what I am saying sir. We do not put you into brackets based on risk factors or anything like that. All it is, is to know if a member makes XXXX-XXXX and a wire comes in for a XXXX dollars that looks strange. That is all it is for. Just so we can have a gauge. Kind of a point a perception to go off of, a point of reference that is literally all it is. We stated in order to do that accurately, we would need to update our information together to separate it. She alleged, we do not have a way to update it, and my husband verbalized, then that is a problem for you not for me. She threatened, not necessarily because if you refuse to provide this information your account will be closed. I can not change an existing number ; I can input new data into the records system that is a form on your profile that is personally attached to you. It then gets sent to our back office for them to file. I can not change his because there is no place to input it. \nAs we expressed concern our direct deposits would be leaked into the account the following week she voiced, I could not find exactly a turn around time for when we needed to move our money out before the account closes. What I would have to do would be to put in a work order to the back office stating that you are refusing to answer the questions. Then at that time they review the account for closure. They would send out an official check with the remaining funds. The team that handles this, [ the MOET team ], it is not records. All direct deposits would be rejected go back to the sender, or if it is within a day or two it could force reopen it if it had not closed completely but usually goes back to the sender. Due to the inconvenience, my husband verified there was no way we could opt out of this, and she expressed, no sir it is a federal regulation. I struggled to get her to conference us into the MOET team who was handling this situation as seniors in the bank, however after being on hold for 20 minutes, she was not able to contact them. XXXX exclaimed she could no longer spent any more time with us to be available for other customers. She confirmed they were very backed up due to all of this going on and it is not a large department. I was frustrated that we would not be able to contact them ourselves and therefore our account would be closed. She confirmed there is no way to contact them by email, by direct number, or any other format by her understanding. This is because they do not use email for secured information. \nConsequently, on Saturday XX/XX/XXXX I realized the need to escalate the complaint so I could have someone call us back since the MOET team was not easily available before the account would be closed. A representative, XXXX, with the Executive Resolutions team, helped me to file a complaint and I was told I would be getting a call back from the CEOs office. She once more confirmed the information is used for banking regulations under the Patriot Act and passed in XXXX after XX/XX/XXXX. When it comes to the Patriot Act it advises us as a financial institution just making sure we are doing our customer due diligence we have to know who our customers are. That is ensuring that we know the individual that is with us here at USAA and what they are using the front for. If someone is using the account as money laundering or transferring money to foreign countries. So that we are not letting people move money around that shouldnt be moving money around. If we do not know our customers enough, you can be asked again and re-verify the information periodically to verify it is still accurate and on file. I reaffirmed in regards to due diligence we didnt have any foreign accounts, and my personal account was not at this bank, and my husband is the primary account holder for the joint checking account which they have his information. I confirmed no other federal banks are requiring these questions. I quoted the GLBA and that our last privacy notice was in XXXX and that was a concern and we are not being given the option to opt out. I tried to express my concerns of using the federal government phrase when it is not a federal requirement, and that it was a serious compliant. She agreed that I should speak to the MOET team. I articulated again they do not answer the phone and she agreed it is a busy department and that you have to wait as they are working overtime. Therefore, I was concerned it wouldnt be resolved in a timely fashion. In my attempt to reach the quality department no one answered again. I was confirmed the CEOs office would contact me within one business day after confirming my phone number on Saturday. \nTwo businesses days later on Tuesday XX/XX/XXXX, I conversed with XXXX from the CEOs office. I gave her a summary of my complaints that our documentation when the account was opened can not be verified, changed, or updated, thus denying us to potentially separate our incomes into two separate numbers. I explained the MOET team could not be reached. I also expressed concern about their requirement to answer the income questions as they are not a federal law for income information as I do not have a loan with them and am not a primary account holder. I told her I didnt appreciate being treated like trash, and be threatened to close my account stating it is a federal law when it is not. Intimidating people to answer questions when the federal government does not require income information and canceling accounts is a huge problem. XXXX stated she was trying to figure out when the account would be closed, but is still waiting from a response from the MOET team. She claimed, It is our current policy and our hands are being tied due to federal guidelines that are forcing us to change and ask these specific questions. I also know that if these questions are not being answered the account will more than likely be closed. They can inactivate the account and in other instances it will be closed. In order to get us into compliance we are being instructed we have to ask this. I requested, to see something official in a document file. I requested to see the policy by email or by mail. I stated that I would like to see that where it specifically asks for income information. She stated, she does not see them written down specifically to ask income questions. I inquired, then how do you know that as a fact? She admitted, I am still waiting for answers. As far as closing accounts we are covered by our depository agreement to do that. That has nothing to do with KYC and that they are closing accounts and inactivating them if the KYC isnt answered. She summarized my concerns and stated she would get back to me with hopefully answering all of my questions. \nOn Thursday XX/XX/XXXX I got another call from a different USAA representative trying to get me to answer the questions again. They stated they will call again in five business days, and then proceed to close the account if I do not answer the questions. She was unaware of the investigation in XXXX office. Later in the evening on XX/XX/XXXX, I spoke to XXXX for the second time. She stated they still will not tell me what the answers were upon opening our joint checking account. They will not update his information unless there was a new product that was applied for and that they will remain there unless a new product is applied for. I postulated, why can they not answer what they are? Do they not have the questions or the answers when the account was opened? Why cant they tell you? It concerns me they do not have them, which is a federal regulation of the Patriot Act they keep them on file. You said the information is under his [ husbands ] primary account. It is unacceptable they cant prove or say what our income is, but that they have it on file, how do they know what they have? It is my legal right to know what I answered, and you are telling me no that I cant have the information. She confirmed that my husband was asked CDD questions this XX/XX/XXXX through the USAA app detour. However, she does not have access to the questions and has been having computer problems all day and her co-worker never supplied them as requested. In regards to what document stated they need to ask income information, she specified it was under the CDD guidelines from the XX/XX/XXXX amendment in the four specific guidelines. She stated she could not distribute the internal document that requires it but did pass legal review and compliance. That is what they are using to fulfill the requirements of the four CDD guidelines. The privacy notice she stated was listed on the USAA website and was revised in XXXX and it has not changed since then, but it is delivered annually and it does state they collect income information. My guess is that is still the current privacy promise and it has not been updated since then but I will verify that. If the privacy promise hasnt changed the revision date it would be the last time that it was revised and therefore is the same. I questioned why the year wouldnt be changed for the new year ( XXXX ), and she stated it didnt need to. I was concerned by this because they are now collecting new income information but it didnt require any changes. \nXXXX verified that we did not answer the questions when the account was opened. I questioned this fact as she does not have access to those and has no idea what was actually requested or answered. This was because she was still trying to get that information from the MOET time. She admitted she does not know. I repeated until we know for sure, I do not want to add to a joint income balance, we can not proceed. If they are refusing to give it to her then thats a problem. In regards to the CDD questions, we determined they make up their own policy which I am not allowed to see stating that it requires income information. I recapped it applies to a USAA policy and is NOT A FEDERAL REQUIREMENT OR LAW. \nXXXX reasoned, when a regulator comes to look at us and asks how are you complying with the CDD guidelines that were outlined, we present them with the CDD questionnaire, period. That is how it relates to the CDD guidelines. It is our internal process and policy due to the government requirement. I argued, the government does not require everyone to answer income information. That is not true. Your institution is requiring that by yourselves. It is not a federal guideline to obtain income information for a joint checking account. Or for any account. Your bank is determining that and doing it all by themselves. Which, granted, you are compliant because you are getting name, DOB, and SSN which is all that is required. You are just going above and beyond thatwhich is fine if you want to. However, stating it is a FEDREAL LAW for me to give it to you is not the case. It is not a federal law for me to provide you my income information. There are laws that protect my financial privacy and I do not have to give it to you, which is why you can close my account and I can go somewhere else. If it was a federal requirement, I would be required at every other bank, which I am not. I spoke to six of the top bank executives in this country that are bigger than you and it is not a federal regulation. So, by you threating people and telling them that it isis a problem because it is not. Even when they called today, they said the same thing. USAA is requiring it, but it is not a federal law. She alleged, so that we comply. I repeated, it is required that you comply by confirming my identity with name, DOB, SSN, and address, running it through your banking system, and with my occupation. That is more than enough to verify someones identity which is all that the CDD requires. Your bank is going outside of that and getting income information. This is fine like I said, but it is not a federal requirement for me to specifically give you my income ; it is not. She finally admits, no it is a requirement of USAA in order for us to meet the guidelines. I again, it is not a federal requirement, it is USAAs requirement. I told her I had a screen shot on my phone it was a federal regulation, it is not. Do you understand? It is a problem. It is your regulation and thats it. It is just yours. She says, so we are in compliance with the federal regulation and the CDD requirements. I strained to clarify, we have been in compliance with you since we opened our account. Stating that if we dont answer the questions, we are not is a lie. And threatening to close my account with you is also a problem because you are stating it is a federal regulation when it is your regulation. Those are two very different things. You are still in compliance even if you were to take the income information out. She says, well not when our policy states that we have to obtain that information, we are not in compliance. I enlightened, even the OCC that regulates you doesnt require that. I could understand that you could close our account because we didnt meet your policy guidelines, thats fine. But telling me specifically it is because it is a federal requirement is not the case. It is not complaint with your policy and your policy alone. \nWe tried to go over it again. I replicated, It isnt because I am not being federally compliant with the law like you are claiming, it is that it is compliant with USAA policy, not the federal government. By you telling me it is a violation of the Patriot Act is not the case. By you telling me it is a violation of the BSA is not the case. By you telling me it is a violation of the XX/XX/XXXX CDD is not the case. Because those are federal laws. There is nothing in any of those laws that specifically require income. It does not exist. That is USAAs policy not the federal government. So by all of these conversations I have on recordings of you telling me that, all the screenshots, and documents, is a big problem. When asking about reaching out to legal she assures me, So legal has already went over our questions I was flustered, okay, are they aware that youre telling people it is a federal regulation for me to answer my income questions? If they were, they would be fixing it immediately as it is a USAA policy. I dont understand why you cant just say it is a USAA policy? Why are you throwing words around and trying to include the federal government when it is none of their business to ask me those questions. Are they aware you are asking them? Because the OCC was concerned [ I spoke to them on XX/XX/XXXX ]. Are they aware of that? That you are telling customers it is a federal requirement by the Patriot Act? No other big banks ask those questions, just you, because it is your own policy. She stated, I am understanding. \nFor additional confirmation, I called XXXX XXXX XXXX on XX/XX/XXXX as they are the second largest bank in the United States with assets worth {$2200.00} XXXX dollars in XXXX so figured it would be a worthy source. I spoke to XXXX, she stated to open a joint checking account they would need, license, 2 forms of id ( government and personal ), type of account, SSN, address. I have worked for the bank for 38 years and we have never requested income information. We do not ask net worth or income as it is not a government regulation. I can assure you if it was XXXX XXXX XXXX would be doing it. This was encouraging that asking personal financial information was indeed NOT a federal regulation. This was further established with two other local banks in my area to provide some additional ease. \nOn XX/XX/XXXX I spoke to XXXX of MI, OCC, and confirmed with CFPB, and MI Attorney General there is no requirement for financial information and each suggested I file complaints. I followed up with XXXX on XX/XX/XXXX and XXXX. She confirmed we have private settings, our account won't be closed until XXXX, but was unable to find any information from when the account was opened. She stated there were no issues with their privacy notice or way they are doing things and was approved by legal and compliance. I request help. I feel what USAA is doing is a violation of Section 326 of the Patriot Act, Record Keeping, and the GLBA. I am not comfortable with how they have conducted this process, and feel as though they are intimidating people to sacrifice their private financial information by manufacturing it is a federal law. To my knowledge we do not meet any of the BSA requirements that would make us candidates for filing a SAR. In recent legal cases vs.USAA in XX/XX/XXXX I want to make sure this is allowed and is not similar violation","date_sent_to_company":"2019-08-28T04:55:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"48125","tags":"Servicemember","has_narrative":true,"complaint_id":"3357398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-08-28T04:31:00.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["She was able to confirm in the notations that they had my employment information, <em>physical</em> address, your social <em>security</em> number, date of birth, citizenship, and your full name. That is what we have on file. I stated that my annual income is not a requirement of a federal law as they are already able to verify my identity by the Patriot Act. She stated, yes, it is a requirement and I will agree to disagree."]},"sort":[5.4462214,"3357398"]},{"_index":"complaint-public-v1","_id":"6681290","_score":2.9443774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \n\nThe two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).\n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! \n2. XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.\n\nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. \n( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX  Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:08:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-03-11T16:07:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["U.C.C. codes are United Nations statutes, but are codified in every <em>local</em> jurisdiction. \nIn accordance with XXXX XXXX."]},"sort":[2.9443774,"6681290"]},{"_index":"complaint-public-v1","_id":"6681220","_score":2.9443774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The XXXX submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. XXXX XXXX XXXX XXXX XXXX XXXX.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) TRANSUNION INTERMEDIATE HOLDINGS, XXXX, XXXX XXXX XXXX INC.And XXXX, INC.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXXTRANSUNION continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX 31 U.S. Code 5312 - Definitions and application The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, TRANSUNION INTERMEDIATE HOLDINGS , INC., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.\n\nThe two provisions that empower FinCEN to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes FinCEN to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ). \n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of BSA and FinCEN regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF TRANSUNION CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed XXXX XXXX \nXXXX XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction. \nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with 31 U.S.C. 5103 and 18 USC 8, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the fX and are THE EQUIVALENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR 192 ACT OF 1933 PUBLIC LAW 73-10 31 U.S.C. 3123 - U.S. Code - Unannotated Title 31. Money and Finance 3123. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.\n\n( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION 5151 OF THIS TITLE. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. CITE AS : 31 USC 3123. 12 U.S. Code 461 - Reserve requirements- 5 ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the Board of Directors of the Federal Deposit Insurance Corporation, the Comptroller of the Currency, and the National Credit Union Administration Board, the Board of Governors of the Federal Reserve System is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit may be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( TRANSUNION INTERMEDIATE HOLDINGS Inc ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by Transunion on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, TRANSUNION is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Transunion investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account number XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC . \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT ( XXXX ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX XXXX date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT US AMERICA CORPORATION is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:07:45.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-11T15:39:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a 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