Consumer complaint received 2022-10-05
Company: Genesis FS Card Services, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I sent genesis fs card services a final payment of {$360.00} to satisfy my alleged obligation via U.S Postal Service CERTIFIED MAIL. Article Number ( XXXX XXXX XXXX XXXX XXXX ). Your company then sent me a letter back stating that your company does not accept my payment method. I used an instrument to satisfy this alleged obligation. Per ( 3-603. TENDER OF PAYMENT. ( a ) ( b ) ( c ). I was in my legal right to settle this alleged obligation using a instrument. You've already broken the law there, shall we go further? Days later, on XX/XX/XXXX I send a responses to your response stating nothing in your corresponds indicates my tender had been dishonored subsequent to an attempted presentment. Certified Mail Article Number ( XXXX XXXX XXXX XXXX XXXX ). Was this due to reasonable neglect, mistake, or impossibility on you part? Your company responded the same way which let me know a computer was generating these response. Days later I send your company an Affidavit of Sovereignty, Discharge and Legal Tender Acknowledgment on XX/XX/XXXX. Certified Mail Article Number ( XXXX XXXX XXXX XXXX XXXX ). Weeks later I receive another computer generated response. My documents have been notarized, and sent certified mail in case I need to take this company to tribunal ( court ). Since sending these correspondence your company has not done its fiduciary duty to handle this matter. Instead I get repeated phone calls, and falsely furnished information reported on my credit report. Under 15 USC 1692 ( 6 ) you are a debt collector and I order you to Cease and Desist! According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpolation " Any medium '' includes any oral, written, electronic or other medium. Pursuant to my rights as per 15 USC 1692c ( c ) I'm providing you formal notice to case any further communications regarding this account immediately! This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any future contact by your Agent or Company, except a communication confirming your acknoledgment of this writing, is In violation of the Fair Debt Collection Practices Act. ( FDCPA ) Plublic law 73-10 " All debts public and private are paid for ''. Giving us the right as consumers to only discharge alleged obligations, which I did per my article number sent XX/XX/XXXX. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mention section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Your company has closed my account and has not given me any notice of why, which is Adverse Action against a consumer. Case law Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( XXXX  ), legal tender for discharge of debt is no longer required. Legal tender is not in circulation anymore per to the U.S. Bankruptcy. ( Trading with the Enemy Act ) XXXX XXXX XXXX. There is no real money leaving us with the opportunity to only discharge alleged obligations via instruments.

Company response to consumer: Closed with explanation