Consumer complaint received 2022-03-17
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to Genesis FS Card on XX/XX/2022 and XX/XX/2022 they received it. I submitted my payment in the form of remittance/coupon paid on this date XX/XX/2022. 

Certificate of Non-Response Date : XX/XX/2022 Re : Acceptances by Genesis FS Card Services on account number XXXX I, XXXX XXXX have sent off certified mailing and payments in forms remittance/coupon in efforts to resolve and settle account number XXXX. This notice is Pursuant state law evidence of dishonor UCC 3-505 and UCC 1-202 1 state the following as facts. 
On the date of XX/XX/2022 Genesis FS Card Services at XXXX XXXX XXXX XXXX, GA XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service.

After acceptance of mailing Genesis FS Card Services refused to send confirmation that account XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account XXXX XXXX. 
Genesis FS Card Services did not cure your dishonor. Genesis FS Card Services gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX or send a notice of dishonor. 
Therefore, based on the foregoing facts I state that Genesis FS Card Services dishonor me XXXX XXXX through non-response, and did thereby agree that Genesis FS Card Services accepted the remittance/ coupon payment for account number XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary of Treasury as notice that exemption is to be used to settle account number XXXX. 
Further, Genesis FS Card Services agreed that refusal to send the written confirmatio of settlement of account XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled Genesis FS Card Services and any of its representatives have no capacity to pursue collection on said account, under UCC 3-603, UCC 3-111 , UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306 , Pursuant 15 U.S. Code 6823 ( a ) Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation of higher depending on pattern of failures aka R.I.C.O charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who had created the debt, I will declare default judgment in favor of I, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt show in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( l ) in the amount of damages awarded in the amount ofjudgment in class action suit and that any further pursuit of collection is agreement that Genesis FS Card Services collectively and without argument owe XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$290.00} and all due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TLA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX may take all necessary actions to secure the claim to the remedy which is owed. 
Notice to Agent notice knowledge U.C.C. 1-202 Respectfully Name Executor Of T e Estate Authorized Representative Certificate Of Acknowledgement ( description of identity card or other document ) to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he/she executed the same for the purpose and consideration therein expressed. 
( Seal ) Given under my hand and seal of office this XXXX - State Expires ( Notary 's Signature )

Company response to consumer: Closed with explanation