Consumer complaint received 2024-01-08
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX Congress Collection XXXX XXXX XXXX, XXXX XXXX XXXX, Michigan XXXX ATTN : XXXX XXXX XXXX XXXX  XXXX Re : XXXX XXXXXXXX XXXX XXXXXXXX NOTICE OF MONETARY DAMAGES NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER NOTICE OF INTENT TO LIEN! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER. NOTICE OF INTENT TO LIEN. Please be advised that your failure to comply with the Law/ Notices sent by : XXXX  complaint XXXX XXXX XXXX XXXX XXXX  Due to your continued willful disregard of the law has caused me to be litigious consumer and I fully intend on pursuing litigation in this matter in accordance with the The Constitution 's listed to seek relief and recover all monetary damages that I may be entitled to under the 1835 CONSTITUTION OF THE STATE OF MICHIGAN ARTICLE I DECLARATION OF RIGHTS SECTION 19. The property of no person shall be taken for public use, without just compensation therefore. 
1835 CONSTITUTION OF THE STATE OF MICHIGAN ARTICLE I DECLARATION OF RIGHTS SECTION 17. No bill of attainder, ex post facto law, or law impairing the obligation of contracts, shall be passed. 
1870 CONSTITUTION OF THE STATE OF ILLINOIS ARTICLE II DECLARATION OF RIGHTS SECTION 19. Every person ought to find a certain remedy in the laws for all injuries and wrongs which he may receive in his person, property or reputation ; he ought to obtain, by law, right and justice freely and without being obliged to purchase it, completely and without denial, promptly and without delay. 

if I'm not compensated for my damages of {$2200.00} for relief within 14 days. A copy of this letter as well as copies of the XXXX previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX Court. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me Pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT ] I have received your fraudulent, unsigned debt collection letter dated XX/XX/XXXX, regarding Account/Reference No. : XXXX. You are a third-party intervener and are in trespass of the private name XXXX, XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX and her private information. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchased the account referenced above from XXXX XXXX XXXX or another third-party junk debt buyer. Therefore, you are, according to XXXX XXXXXXXX XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF XXXX XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time you have set forth XXXX ( XXXX ) predicators of the XXXX ( XXXX ) needed to begin a Racketeering lawsuit against you and the other firms listed in the paragraph below. 
Also stated : XXXX XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contract with you and/or THE ABOVE MENTIONED FIRM. 
If you, XXXX XXXX XXXX XXXX, have purchased the account prove that you are the HOLDER IN DUE COURSE of the alleged debt by providing, under the penalty of perjury, a certified, notarized copy of the alleged, original contract with my wet blue ink signature affixed. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX XXXX XXXX XXXX, and the above mentioned creditor. 

Unless you are the HOLDER IN DUE COURSE of the alleged original contract/note I do not wish to have any contact with you in the future. 

This Notice is to inform you that you have no right to contact me on the above-mentioned alleged account at my home, my neighbors, my relatives, or my place of employment. To continue to do so upon receipt of this letter will place XXXX XXXX XXXX XXXX, DEBT COLLECTORS in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed in its entirety UNTIL, OR IF, YOU ANSWER THE QUESTIONS PUT FORTH UNDER THE PRE-TRIAL INTERROGATORIES BELOW.

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PRE-TRIAL ADMISSIONS/INTERROGATORIES/DISCOVERY PURSUANT TO [ FRCP RULE 17 AND FRCP RULE 34 ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY You are in receipt of NOTICE under the authority of [ THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT ]. This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX. Be advised that this is not a refusal to pay, but a notice sent pursuant to [ THE FAIR DEBT COLLECTION PRACTICES ACT ], that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Validate the alleged debt. 
It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation which I may owe, please document and validate, under penalty of perjury, the debt by complying in good faith with this request for validation and notice that I dispute part of or all of the alleged debt. 
1. Please furnish a notarized, certified copy of the original contract redacting social security number to prevent identity theft and state under penalty of perjury that your client is the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party. 
5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
6. Please provide ( a ) : copy of the certified, notarized contract made between XXXX XXXX XXXX XXXX, and any of the previous alleged holder in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor XXXX XXXX XXXX that you are under contract with them and authorized to act for them and forward a certified, notarized copy of the licenses and Bar Card Numbers of any and all Attorneys involved in this fraudulent action to operate in Michigan ; ( b ) contact information of your hazard/insurance bond holder to allow me to place a lien against those funds until a court hearing. 
7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in thirty ( 30 ) days and continue your fraudulent actions pertaining to this alleged XXXX debt you agree to pay to me, by bank check, the amount of {$2200.00}. 
8. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of the name XXXX XXXX XXXX. 
Should you REFUSE OR FAIL to comply with the terms of this DISPUTE AND REQUEST FOR VALIDATION and choose to pursue this matter further, you will be doing so to your own detriment. You will be brought into a full scale FEDERAL TRADE COMMISSION COMPLIANCE investigation for your unlawful conduct and fraudulent behavior by the agencies listed below. All of your fraudulent actions and claims will be brought to light and fines, damages ( treble damages ) and sanctions will be brought to bear against you. 
Summary : [ Section 242 of Title 18 ] makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States of America. 
To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
For the purpose of Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status or national origin of the victim. 
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 
Any proceedings on the Above Case, including the re-sale of the this alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). XXXX XXXX XXXX XXXX, ET/AL, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of debt, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, the true party in interest. 
XXXX Presented and tendered this via XXXX  online complaint I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. XXXX, XXXX WITHOUT the UNITED STATES Respectfully presented Without prejudice [ U.C.C. 1-308 ] CC to : OFFICE OF THE COMPTROLLER OF THE CURRENCY DEPARTMENT OF THE TREASURY XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERAL, United States of America U.S DEPARTMENT OF JUSTICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX [ XXXX ] ATTORNEY GENERAL CONSUMER PROTECTION XXXX  XXXX Attorney General 's Office XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INTERNAL REVENUE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX [ XXXX ] CONSUMER RESPONSE XXXX FEDERAL TRADE COMMISSION Washington XXXX XXXX [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation