Consumer complaint received 2023-06-15
Company: CITIBANK, N.A.
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:
Best Buy credit card by Citi bank. I asked for confirmation of debt defined means my wet signatures not a bill. I tried to use a 1099C cancellation of debt refused it. 

12 usc 1431 banks can not loan money because they are the borrowers.

Money modern mechanics book from federal reserve states banks can not loan money. Hummm. Banks take people signature promises to pay and exchange them for credits. Basic booking entries. 

Per 42 usc 408 asking for a social security number is illegal for any credit transaction or loan is a crime because we have unlawful money backed by air.

Article one, section ten, clause one says no state shall enter into any treaty, alliance, or confederation ; grant letters of marque, coin money, emit bills of credit. Federal reserve notes are promises to pay in the future. Lawful money is gold and silver.

The United States since 1933 been under bankruptcy.

Per usc 1602g we are the consumers and the banks are the borrower Ucc 3-104 explains what a negotiable instrument is and how to use it. 

To : Citi bank I, : XXXX XXXX XXXX, Authorized Representative, am sending the coupon of the account summary to Citi bank as payment for what 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 ask 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. 

I am 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 a payment. Per ucc 3-603b if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender 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. 

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 volcher. If you refuse to accept a negotiable instrument I will send the IRS a 3949A and I have enclosed a copy of my fee schedule. 

Closing an account without permission {>= $1,000,000} per account Refusing a negotiable instrument {$10000.00} per occurrence Since we have no lawful money I want the payment in silver coins legal tender. 

Vocher : a small printed piece of paper that entitles the holder to a discount? Or that may be exchanged for goods or services.

sincerely and without ill will, By : XXXX XXXX XXXX beneficiary and authorized representative All rights reserved without prejudice, without recourse I, XXXX, XXXX agent to said principle XXXXXXXX XXXX XXXXXXXX hereby accept all titles , rights and interests owed to principle XXXXXXXX XXXX XXXXXXXX, I hereby instruct ceo of this account to apply the principle balance to said account full balance. If this can not be honored please respond in the mail with alllll with statue and codes like i did with non acceptance. Apply the above instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation