Consumer complaint received 2018-08-01
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have sent a letter out to a third party debt collector XXXX XXXX XXXX The letter is asking to remove presumption of the alleged debt. Uniform Commercial Code ( UCC ) is a set of laws that provides legal rules and regulations governing commercial or business dealings and transactions. The following questions were : U.C.C 1-206 to remove presumption, U.C.C 2-206,7 credit agreement or title of the contract or consideration, and U.C.C 3-309 records of deposit ( book entries ) .I mailed out a dispute to XXXX, XXXX XXXX XXXX by certified mail which required a signature, the tracking number XXXX XXXX XXXX XXXX, which they signed and received on XX/XX/2016 XXXX mailed out statements of transactions that accrued. They did not answer any of the questions I inquired about. I ask for due process which is my right. XXXX XXXX XXXX is a buyer of the charged off debit 1. The entity of charger a debt that has been charged-off by the original creditor for which they have either received credit via taxes and/ or other benefits for which they have not documented the account and made adjustment what respects the such credit and /or benefits. The amount of tax credit should have been reported and forwarded a form XXXX to me that I would be reporting it as income. The original creditors failure to accurately document the account as to any or all credits to the account and/or debits from the account is a direct violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT BILLING ACT, LENDING ACT, and a violation of my due process rights as this is the case in this instance. XXXX XXXX XXXX only gave me statement and a copy of the the contract they are not the first hand party to the aggreement. I also got a summons which they are suing me with no standing evidence. I gave them court cases by the U.S SUPREME COURT RULING, Title 15 United State Code ( USC ) section 1692, the Fair Debt Collections Practices Act, section 1601, the Fair Credit Billing Act. and Uniform Commercial Codes ( UCC ), section 203 Banking and Lending Act. THEY CAN NOT ISSUE CREDIT by becoming a surety, endorser or guarantor for another. Credit is the opposite of money. Money, which is legal tender for the payment of all debt is defined by Congress in 31 USCA Sec 392. The Federal Reserve Policies and Procedures and the generally accepted accounting principles ( GAAP ) requirement impose upon all Federally-Insured ( FIDC ) banks under Title 12 of the United States Code, section 1831, prohibit banks from lending their own money from their own assets, or from other depositors. Banks dont have money to lend, bank create money by exchanging the contract in to a bank note or a negotiable instrument of value then writing in book entries a demand of deposit then using book entries of liabilities assigns to the consumer as myself. The signature who created the note is the creditor ( myself ). Bank cant secure any credit/loans at all. I ask then show me that the lent out their assets to cover the transation of the credit card. They did not answer. I provided this statement with my answer and motion to dismiss which they are not answer and thing I requested. I will not consent to any court that does not recognize my question and answer I am getting other motions being forward from the XXXX XXXX XXXX. I AM BEING SUED AND HARASS.

Company response to consumer: Closed with explanation