Consumer complaint received 2022-12-21
Company: Lendbuzz Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am XXXX XXXX, XXXX of the Note that was created via the Application done with XXXX XXXX XXXX XXXX, which created the CREDIT. I was never informed or aware I would be an investor/party in a asset backed securities. According to the agreement on hand, my obligation was concluded from inspection of the transaction. I was also not informed that LendBuzz Funding LLC was a licensed DEBT collection agency as I was told LendBuzz Funding LLC is a Financial Institution. The document I received from LendBuzz Funding LLC XX/XX/XXXX " Payoff Statement '' is a clear indication that this is an attempt to collect a debt. This is a violation of my rights pursuant to the FDCPA. I am also confused as to the false and misleading correspondence LendBuzz Funding LLC has sent me with the terms Money Amount Owe " Payment '' that evidenced the actions of a Debt Collector. Is LendBuzz Funding LLC a financial Institution or, are they in the business of collecting Debts?

LendBuzz Funding LLC has claimed I have broken promises in our agreement but has failed to disclose specifics as to how I have broken Any alleged promises made, nor have they responded to any of my written correspondents via registered and certified mails, demanding LendBuzz Funding LLC to provide me the way to pay them monies owed. Gold, Silver, coffee beans, legal tender, or the form of currency they are demanding PAYMENT.

LendBuzz Funding LLC was acting above the law or just ignorant to them but ignorance of the law is no excuse. We the People were made private bankers according to the law with the authority to issue notes to discharge lawful debts. This must remain in effect until money and the property is returned to We the People without any encumbrances. HJR 192 : Now, there-fore be it. resolved by the Sensate and the House of Representatives of the United States of America in Congress assembled, That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy : and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, hereafter or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, Shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Black 's Law Dictionary, 5th page 133, defines " Banking '' : " The business of banking, as defined by law and custom, consists in the issue of notes .... Intent to circulate as money ....

And defines a " Banker 's '' Note '' as : " A commercial instrument resembling a bank note in every particular except that is given by a private banker or unincorporated banking institution. '' LEGAL TENDER DEFINED : Legal Tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) : The referenced Official Comment notes that the definition of money is not limited to legal tender under U.C.C. The test adopted is that of action of the government, whether by authorization before issue or adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view is limited to, legal tender is rejected. '' in light of the holding of [ Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ) ] a Federal US court of appeals ruled on Title 13 USC 5118. As of XX/XX/XXXX, Legal Tender for discharge is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt is against Public Policy, since legal tender was not loaned [ nor in circulation ] A payment or repayment is to be made in equivalent kind ; A negotiable instrument which I have not once received from XXXX XXXX XXXX. 

Despite all my efforts to resolve these claims, LendBuzz Funding LLC 's negligence and failure to provide the correct way to resolve the issue at hand left me without my property. LendBuzz Funding LLC has seized and deprived me of my private property : XXXX XXXX XXXX XXXX by taking possession without prior notice and has threatened to sell it. 

For the record, if LendBuzz Funding LLC can provide me with the sum certain on the penal funds I have no problem to effect payment. 

I am a subject/national of the Republic of Florida as contemplated by the act of Congress evidenced and restated at 8 U.S.C 1101 ( a ) ( 2 ).

I am aware and know that the U.S bankruptcy is verified in the Senate report no. XXXX XXXX. XXXX, first session ( XXXX ), summary of emergency power statues, XXXX orders XXXX, XXXX, XXXX, and by XXXX order XXXX on XX/XX/XXXX under the Trading with the XXXX Act ( Sixty-Fifth XXXX, XXXX XXXX, chapters XXXX, XXXX, XX/XX/XXXX, as as further codified at XXXX U.S.C. A XXXX ( a ) and ( b ) as amended. 

I believe under further review LendBuzz Funding LLC may be in violation of Civil Rico Racketeering Laws 18 U.S.C 1964 as LendBuzz Funding LLC may have established a pattern of Racketeering activity by using mail and other means to collect an unlawful debt.

Lawful Money Exchanges Can Be Found at : 12 U.S.C 412 - U.S Code - Annotated Title 12. Banks and Banking section 412. Application for notes ; collateral required If proven there is a conspiracy to deprive of property without due process is various constitutional injuries under 18 U.S.C. 241. - Knowledge and neglect to prevent a United States Constitutional wrong.

31 U.S.C 5118 ( d ) 2 None can ask for payment in a specific coin.

31 U.S.C. 3123 There is no money, so no one can demand payment.. The United States wil discharge debt dollar for dollar. 

I am aware and know that legal tender, ( FEDERAL RESERVE NOTES ) are not good and lawful money of the United States. XXXX XXXX, XXXX, XXXX S.W. XXXX I HEREBY noticed that I am the executor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to title XXXX section XXXX & XXXX, companies, corporations, associations and Trust are all descendants. This means XXXX XXXX XXXX IS A LEGAL ESTATE. XXXX XXXX XXXX falls into this class. I direct all of the affairs and financial affairs of XXXX XXXX XXXX XXXX

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