Consumer complaint received 2022-12-23
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Response : First of ALL the disputed was start back in XXXX of this year, see attached documents, when I sent a request in writing to the bank to request for a certified accounting statement of account. Secondly I sent another request for a validation of the debt and proof that the debt wasn't owed and already tender by the form of tender of payment of negotiable instrument. As result I have sent documents to verify that the debt was already discharged by the CFO of the company.I gave the bank 3 MONTHS to prove me wrong, Still tell this day that still haven't provided proof ... NOW THEY OWE ME SEE ATTACHED INVOICE Affidavit that Im the CREDITOR, and everything is PREPAID! 


Reference : American Jurisprudence 2d State & Federal Consumer and Borrower Protection and Contractors Bonds Fonseca, Handling Consumer Credit cases 3d, 8:2 The extent to which the Truth in Lending Act applies to particular persons or transactions is governed by the definitions supplied by the Act. A basic definition is of the term " credit, '' which means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumers ; consumer credit is backed by the collateral of my birth-right, Im Indigenous to the land and my signature on the application. One of the purposes of the Truth in Lending Act is the protection of credit consumers. The Act provides that the word " consumer, '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. A number of cases have construed this provision. Whether an investment loan is for a personal or business purpose requires a case by case analysis. ' The term " consumer credit '' is not defined in the Act itself, but the implementing regulation defines such a term as credit offered or extended to a consumer primarily for personal, family, or household purposes. The United States Supreme Court has held that in every " consumer credit '' transaction, two elements must be present : the party to whom the credit is extended must be a natural person, and the money, property, or services received by that person must be primarily for personal, family, or household purposes. 

Commonly referred to in the cases as the " Federal Reserve Board. '' A person '' means a natural person or an organization I An " organization means a corporation, government, or governmental subdivision or agency, trust, estate, partnership, co-operative, or association. The term " creditor '' is redefined to mean only the person to whom the debt is initially payable! The purpose of the Truth in lending Act is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The Act is designed to remedy problems caused by ignorance of the nature of credit obligations and costs divergent and sometimes fraudulent practices with regard to information, credit terms, as a result of which many consumers have been prevented from shopping for the best credit terms available and, at times, have been promoted to assume burdensome liabilities. 
Furthermore, it is the purpose of the Act to promote the informed use of credit by requiring creditors to disclose the true cost of consumer credit. 

NOTICE TO FIRST PROGRESS BANK FOR EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6,1933 HR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 but not limited to : Since House Joint Resolution 192 ( HJR 192 ) ( Public law 7310 ) was passed in 1933 we have only had debt, because all property and gold was seized by the government as collateral in the bankruptcy of the United States . In 1863 the first Bank Act was passed. The Office of the Comptroller of the Currency ( or OCC ) is a US federal agency established by the National Currency Act of 1863 and serves to charter, regulate, and supervise all national banks and the federal branches and agencies of foreign banks in the United States.

The OCC was created by Abraham Lincoln to fund the American Civil War but was later transformed into a regulatory agency to instill confidence in the National Banking system and protect consumers from misleading business practices. The Lieber Code, or General Order 100 was also created by Abraham Lincoln in 1863. The National Bank Act ( ch. 58, 12 Stat. 665, February 25, 1863 ) was a United States federal law that established a system of national charters for banks, the United States national banks. It encouraged development of a national currency based on bank holdings of the U.S. Treasury securities, the so-called National Bank Notes . It also established the Office of the Comptroller of the Currency ( OCC ) as part of the Department of the Treasury. This was to establish a national security holding body for the existence of the monetary policy of the state. 
The Act, together with Abraham Lincoln 's issuance of " greenbacks '', raised money for the federal government in the American Civil War by enticing banks to buy federal bonds and taxing state bank issued currency out of existence. The law proved defective and was replaced by the National Bank Act of 1864. The money was used to fund the Union army in the fight against the Confederacy. This authorized the OCC to examine and regulate nationally-chartered banks. 
The above only partially begins to include the historical records and other Acts of Congress that proves the US bankruptcy of 1933 and that there is no money, only credit that the American People are the Creditors.

All credit card companies knowingly have been sending their ( customers ) dividends but, in fact, making each recipient believe that dividend was an invoice for services provided by the credit card companies.

The Credit Card Companies have mailed through the US Mail an intentional misrepresentation of facts, unfair business practices and each credit card company and agents thereof have knowingly with forethought and malice created a fraudulent debt, defrauding the Creditor, that is the recipient of said dividends, that the credit card companies lead the recipient to believe through deception is an invoice.

The Credit Card Companies in turn then extract through extortionate measures payment from the customers instead of the credit card companies informing those same recipients that this dividend is in actuality payment to the recipient as a charged off debt pursuant to the incorporated in entirety documented evidence provided herein.

ALL credit card companies have thus created a convertible and fraudulent debt. ( see ANALYSIS OF A COUNTRY EMBEZZLED ). Every/all credit card companies have failed to pay off any of the public debt but rather unlawfully redirected ill-gotten gains into private corporate accounts through embezzlement, theft by deception, fraudulent conversion, and in violation to each all incorporated in entirety laws established through and as a result of the US Bankruptcy of 1933 , wherein there is no money, only " bank Notes '' which are but only a promise to pay. Thus all debts are to be discharged as agreed, but The Credit Card Companies ( and banks ) through their greed have not discharged any debt, fraudulently making the creditor customer deeper in debt by credit card companies use of " Bank Notes '' or " promissory Notes '' that the credit card companies add to the public debt side of the books rather than discharging the debts as stipulated in Public Laws, House Resolutions, and House Joint Resolutions. Additionally, the alleged invoices sent to every recipient is a dividend an/or a coupon to the recipient. The credit card companies all know this to be a fact. 
The Comptroller of The Currency also knows all of the above to be irrefutable facts, but is acting as a money laundering agency by/for/through/ the privately owned Federal Reserve, in Washington XXXX DC, et al XXXX The Comptroller of the Currency at County, State, and Federal level all know the incorporated documents and testimony to be true, but have yet to discharge any of the public debt, therefore have misappropriated funds through embezzlement, theft by deception, obtaining money through false pretenses, extortion and other predicate acts since the date of Comptroller of the Currency inception of 1863. All credit card companies, which are private for profit corporations, regardless of location, are knowingly participating in the fraud and Ponzi scheme with the intent to fraudulently convert this and every other country 's wealth into private industry accounts by fraudulent conveyance, embezzlement, theft by deception, creating fraudulent debts, Ponzi scheme and fraud through the US Mail, just for starters.

Every judge and every attorney in America, especially those who hold positions with several direct connections into the credit card companies bank accounts and acting as attorneys for the banks, most presumably in all other countries as well, since they all get their instructions from England the same place that all the banks get their instructions through the Comptroller of The Currency headquarters in London England, each knowing the above and incorporated to be true, since they are well versed on the US Bankruptcy of 1933 and that America still remains to date in a state of Emergency and operates under English Law, though that also is supposed to be a well kept secret.

This means there " IS NO MONEY. '' It further means that since there is no money American 's signatures are used as the credit to run this country. That in turn means that it is the American people who are the Creditors not the Debtors, as the banks and credit card companies would like everyone to believe.

The Credit Card Companies have been operating with this knowledge with intent, forethought and malice to commit the crimes mentioned herein but not limited to. Due to the facts incorporated herein in entirety, all debts are to be charged off, including but not limited to every alleged credit card invoice, which each/all have actually been a dividend, for which every credit card company embezzled payment through fraud, using extortion and other threats to discontinue service if " Payment is not made. These alleged invoices were dividends that every credit card company using deceptive business practice lead the public to believe were debts owed, when it is a fact that it is the utilities companies who owe the American public all those fraudulently received ill gotten gains plus the interest, stocks, bonds and other proceeds derived therefrom. All utilities companies are now put on notice that all debts are to be charged off pursuant to the stipulated and incorporated herein Acts et al. 

Creditors Under the Truth in Lending Act, the term " creditor '' refers only to a person who both regularly extends, whether in connection with loans, sales of Hahn v Hank 's Ambulance Service , Inc. ( CA11 Ala ) 787 F2d 543, reh den, en banc ( CA11 Ala ) 792 F2d 1126.

15 USCS 1602 ( e ).

Law Reviews : The Scope of the Truth-In-Lending Act and Regulation Z. 30 Prac Law 39, October 15, 1984.

Annotations : Application of Truth in Lending Act ( 15 USCS 1601 et seq. ) to loans which are void under state laws, 54 ALR Fed 15 USCS 1602 ( h ). 

Selman y Manor Mortg. Co. ( ED Mich ) 551 F Supp 345 ; Anderson v Foothill Industrial Bank ( Wyo ) 674 P2d 232.

Company response to consumer: Closed with explanation