Consumer complaint received 2022-11-11
Company: Americor Funding, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
THIS COMPANY VIOLATED MY CONSUMER RIGHTS, THEY VIOLATED OVER 10 FEDERALLY PROTECTED LAWS, FROM AN ADVERSE ACTION LETTER ; AND ARE NOW HELD CIVILLY AND CRIMINALLY LIABLE AS A RESULT OF THEIR ACTIONS.

28 USC 3002 # 15A UNITED STATES IS A FEDERAL CORPORATION, IAM A CONSUMER OF THE UNITED STATES FDCPA SATES IAM A NATURAL PERSON ( 15 USC 1692A ( 3 ) 15 USC 1692A ( 3 ) I AM A NATURAL PERSON, A CONSUMER 15 USC 1692A ( 4 ) IAM THE ORGINAL CREDITOR ALL OTHERS AFTER ME ARE FRADULENT, MISLEADING & CONSIDERED 3RD PARTY 18 USC 8 MY BIRTH CERTIFICATE BELONGS TO UNITED STATES FEDERAL CORPORATION BUT ME AS I AM A NATURAL LIVING PERSON/CONSUMER CREDIT CARD IS DEFINED HERE AS WELL " ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICE EXISITING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT ( EX : SSN #, DRIVERS LICENSE ) 15 USC 1602 ( j ) OPEN END CREDIT PLAN ... AFTER 1933, THE GOV. AGREED TO ASSUME ALL LIABILITIES THAT ARISWE UNDER TRANSACTIONS USING YOUR CREDIT CARD ; WHICH IS MY SOCIAL SECURITY CARD, ( PURSUANT 18 USC 8 ) It is a Fact My social security card is considered a credit card, and it is connected to an account at the federal reserve/gov. and trust, that has millions and millions of dollars on my behalf and the alleged creditor. This company used my social security number to fund the consumer credit transactions ( such as applying for a credit card/loan/financing ) and made me think they loaned it to me. But any transaction Ive done has already been approved and paid for. I cant be in the negative, its impossible to pay on a positive balance. There is already insurance on me from the government when we have alleged debt, once a credit application is ran through the system and whether approved or denied or a default, the company gets paidI already satisfied loan/leasing/financing and/or credit card eligibility and the maximum loan/credit amount I can receive is uncapped and has not yet been reached because its paid through the federal reserve. My social security card is a credit card, Iam the original creditor. With this being true Iam deferring the obligation back to the United States. Pursuant 18 USC 8, as a consumer of the United States you can not defer the loan/credit card/finance charge balance back to me. This company did not disclose this to me, this is deceitful, they are in violation. 

15 USC 1602 ( G ) the role of a bank is not to extend credit or loans. Banks are BORROWERS ; extenders of credit, they are elaborate mechanisms, and this company i is in violation of the Consumer Credit Protection Act and the Truth in Lending Act.

15 USC 1681 ( D ) It is a Fact this company is in violation Pursuant to 15 U.S Code 1681 ( d ) Consumer reports means any written, oral or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or collected in whole or in part for the purpose of serving as a factor in establishing the consumers for ( A ) credit or insurance to be use primarily for personal, family or household purposes.

( B ) employment purposes; or ( C ) any other purpose authorized under section 1681 b of this title.

Talking/ oral communication is a consumer report.

It is a Fact not one of the credit reporting bureaus are actual government entities/agencies, credit bureaus like XXXX XXXX XXXX XXXX arent owned, managed, or otherwise controlled by the federal government pursuant 15 U.S.C 1681 ( d ). At a fundamental level, all credit bureaus operate as private, for-profit companies.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. The three main credit reporting bureaus have assumed the vital role of speaking for me, and about me. I assume the vital role over my life and Im going to give you an oral report about What Im going to do with my credit. Im giving an oral report pursuant of 15 U.S Code 1681 # 3, pursuant of federal law.

FCRA, 15 USC 1681 all of the credit reporting bureaus are in violation of what has been reported on my credit report and the following subsection of the FCRA, 15 USC 1681. I want to make it clear to this company and the credit reporting agencies, and those in the position of authority that congress makes it clear that the banking system is dependent upon my consumer reports being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that these credit reporting bureaus are elaborate mechanisms with no real standing and authority.

FCRA, 15 USC 1681 ( A ) ( 3 ) This company is in violation Pursuant to 15 USC 1681 ( a ) ( 3 ) thes

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