Consumer complaint received 2022-03-08
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out debt validation, cease & desist, Affidavit, exhibits ( proof ) and invoice. XX/XX/XXXX. Will upload all documents and got it notarized, certified mail w/ return receipt. 

I know who I am as a consumer, I know my consumer laws/rights, I study Truth in Lending, I study Fair Credit Reporting Act ( FCRA ), I study Fair Debt Collection Practice Act ( FDCPA ), I study Equal Credit Opportunity Act. I am federally protected under 15 US Code Chapter 41. I know the legal actions that I can take and will take if necessary.

AFFIDAVIT OF TRUTH Notice to all, I, am that l am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit C that First National Bank Omaha is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that First National Bank Omaha is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that First National Bank Omaha is in violation of 15 USC 1692c ( 3 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that First National Bank Omaha is in violation of 15 USC 1692d ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that First National Bank Omaha is in violation of 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that First National Bank Omaha is in violation of 15 USC 1692d ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit D and Exhibit E that First National Bank Omaha is in violation of 15 USC 1692e ( 2 ) ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that First National Bank Omaha is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C and Exhibit D that First National Bank Omaha is in violation of 15 USC 1692f ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that First National Bank Omaha is in violation of 15 USC 1692f ( 8 ) Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge. 

On the date of XXXX, XXXX, XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as a flesh and blood living being ( non-entity/non-debtor ) under oath to the most high of creation only and provided the facts listed herein. 
Printed Name : XXXX XXXX__________________________________________ Signature : _________________________________________________ Sworn to or affirmed by and subscribed before me on the__XXXX___ day of __________XXXXXXXX, year XXXX Notary Name : ___________________XXXX  XXXX_______________________________ Notary Signature and Seal : _________________________________________

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation