Consumer complaint received 2023-06-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Nordstrom rack credit card by td bank. I asked for confirmation of debt. Let me refresh your memory. The only legal confirmation of debt is the physical wet ink signatures. This bank sent me a billing statement, volcher, coupon. The also said the debt was verified. I asked what was the name of person, position in company, phone number, email address, mailing address, and how was it verified. This bank seems to not want to answer my questions. So this means to me its not verified and they are giving me the run around. 

Send me a detailed bill so I can see it. Also answer to the consumer finance protection bureau not me. 

I, XXXX XXXX XXXX XXXX Authorized Representative, am sending the coupon of the accused summary to td bank as payment for what you claim I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent me these coupons and asked me to remit them with another check or money order and then you have redeemed both. That is double dipping of course and is illegal. 

Im potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as payment per ucc 3-603 ( B ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge to the extent of the amount of the termination of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. 

Here are some definitions to clarify what I am talking about just to reference state statues if you need a refresher. 

Billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due, and other vital information. Billing statements are issued monthly at the end of each billing cycle. 

Payment documents means any of the following documents submitted by the customer to the bank : ( A ) payment order, ( B ) a cheque ( C ) an application to disburse cash, if the purpose stated by the customer is cash disbursement, ( D ) an application/agreement to buy and/or sell foreign currency, ( E ) a debit payment order drawn up and signed by the beneficiary ( except other banks, credit institutions and state institutions ) where there is a written consent of the customer for the settlement of debit payment order ; Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, expressed as a percentage of the face value and paid from the issue date until maturity. Coupons are usually referred to in terms of the coupon rate ( the sum of the coupons paid in a year divided by the face value of a bond in question ). A certificate attached to a loan instrument that can be separated from the instrument and presented after specified time for the collection of interest. 

Bond, bearer : A negotiable instrument payable to its holder. 

Instrument : A written legal document such as a contract, lease, deed, will or bond.These instruments are worth their face value so the amount to be discharged will be the amount I have written on the volcher. If you refuse to accept a negotiable into will send the Irs a XXXX and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingly to the amounts listed on my fee schedule. 

Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods and services. 

Banks can not loan money per book federal reserve called money modern mechanics. Banks take peoples signatures promises to pay and exchanges them for credits. Book keeping entries. 

The credit river decision case Daly vs bank of montgomery exposes bank fraud case number 38N-12-6858CI.This was such a strong case the judge was found dead what looked like a boating accident but had posion in his body, which I also have affadavid all debts are prepaid. The banking system sounds like fraud to me. 

By : XXXX XXXX XXXX XXXX ; Beneficiary Ucc 1-308 Without recourse

Company response to consumer: Closed with explanation