Consumer complaint received 2022-08-31
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Notice Request for validation and verification of alleged debt. 

I conditionally accept your offer upon proof of bona fide claim. 

This is a notice disputing alleged debt and requesting material facts or documentary evidence to prove you have a lawful and valid claim. 

I am a federally protected consumer and i have rights. 

Notice, it is a fact pursuant to 28 USC 3002 ( 15 ) ( A ) the United States is a federal corporation.

Notice, it is a fact pursuant to 15 USC 1692a ( 3 ) I am a consumer a natural man.

Notice, it is a fact pursuant to 15 USC 1692a ( 4 ) I am the original creditor and i have the right to extend my credit to you ( AMSCOT ) creating a debt and defer its payment.

Notice, it is a fact pursuant to 15 USC 1692a ( 5 ) the term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. 

It is a fact, pursuant to 15 USC 1692a ( 5 ) AMSCO is stating that I XXXX XXXX a consumer a natural man is obligated to pay {$1000.00}. I disagree, this is an alleged obligation. My consumer credit transactions were primarily for personal, family and household purposes which is the legal definition of debt.

It is a fact, I filled out a credit application and AMSCOT converted the credit application into a loan which in fact is a federal crime under title 18.

Notice, it is a fact pursuant to 15 USC 1692b ( 2 ) AMSCOT can not state that such consumer owes any debt. in fact, this is a violation of my consumer rights.

Notice, it is a fact pursuant to 15 USC 1692e ( 2 ) ( A ) AMSCOT is attempting to collect on an alleged debt that is in the positive amount. Which in fact is a false representation of the character amount or legal status of any debt. the false representation of the character, amount, or legal status of any debt.

It is a fact, pursuant to 15 USC 1692e ( 2 ) ( A ) - The character is incorrect it should be negative. 

- The amount is incorrect correct it should be negative. I can't pay something that is in the positive amount. 

NOTICE I am requesting Full disclosure of account ledger. 

Pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) I am requesting ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Pursuant to 15 USC 1692g ( b ) please note that this alleged debt is disputed and that I the consumer is requesting the name and address of the ORIGINAL CREDITOR, and please note that AMSCOT shall cease collection of the debt, or any disputed portion thereof, until the AMSCOT obtains verification of the debt or a copy of a judgment, or the name and address of the ORIGINAL CREDITOR, and a copy of such verification or judgment, or name and address of the ORIGINAL CREDITOR, is mailed to the consumer by AMSCOT.

Notice, It is a fact pursuant to 15 USC 1681 ( 4 ) I have the right to privacy. Any record, sharing, position or use of my nonpublic personal information without my express written consent or authorization is in fact, a violation of my consumer rights to privacy.

Pursuant to 15 USC 1681b ( 2 ) - Permissible purpose. I did not consent to or authorize AMSCOT to furnish my nonpublic personal information to ANY 3rd party reporting agencies. I am demanding that AMSCOT remove my nonpublic personal information from ALL credit reporting agencies such as Veritec solutions immediately and notify my that my nonpublic personal information was removed from all credit reporting agencies.

In fact, pursuant to 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

It is a fact, AMSCOT has a duty and is obligated to safeguard and protect my nonpublic personal information. 
Failure to comply of what is require under law leads me to believe you may be committing FRUAD and Breach of my rights to privacy and shall incur a penalty or criminal liability of {$110000.00} for Punitive damages and defamation of my character. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation