Consumer complaint received 2024-10-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (GA)

31 U. S. C. sec. 5118 ( d ) ( 2 ) provided for many years that a requirement of repayment of debt in a particular kind coin or currency could be made by legal tender. As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with the promises to pay credit ( negotiable instruments ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX holds that 31 U.S.C. 5118 was enacted to remedy the specific evil of tying debt to any currency or requiring payment in a greater number of dollars than promised. Since XX/XX/XXXX, there can be no requirement of repayment in legal tender either, since legal tender was not loaned, and repayment need only be made in equivalent kind : A negotiable instrument representing credit. 
Therefore, as the secured party of XXXX XXXX XXXX with concomitant capacity to settle any and all obligations in the public against same, it is within my authority and duty, as well as my right as creditor and first trustee to issue the herein contained private issue instrument for settlement of the instant account without exclusionary demand for settlement in Federal Reserve Notes, or through an instrument that is drawn against a bank payable in Federal Reserve Notes.

As an Officer of the public trust by and through your office with J P Morgan Chase & you co must fully conform to United States public policy at public law 73-10 and to federal law specifically and Title 11 USCA.

Therefore, you, as an Officer of J P Morgan Chase & co may not object to or refuse a promissory note or other instrument written by me or anyone whose private property is at risk to collateralize the governments debt and currency. 
As agent for the debtor ( UNITED STATES ), you J P Morgan Chase & co are the debtor and may not dictate terms to me the creditor, which are contrary to U.S. Code or U.S. Public Policy.

No agent of a United States corporation may obstruct the discharge and recovery on U.S. Corporate public debt due me and the other Principals and Sureties of THE UNITED STATES, because THE UNITED STATES has provided as a matter of public policy for the discharge of every obligation, including every obligation OF and TO THE UNITED STATES dollar for dollar. 
This U.S. law and public policy allows those of us backing the U.S. financial reorganization to recover on it by discharging an obligation we owe TO THE UNITED STATES or its sub-corporate entities, against that same amount of obligation OF THE UNITED STATES owed to us. 
We are thus provided the remedy for the discharge and orderly recovery of equity interest on United States Corporate public debt due us, the Sureties, Principals, and Holders of THE UNITED STATES, a bankrupt corporation. 
By tendering my note or instrument, I am discharging that portion of the public debt without an expansion of credit, debt or obligation on THE UNITED STATES. 
This public policy established by Congress was intended to provide equitable remedy to us, its prime creditors. In doing so, it provides for each bearer of such note, discharge of obligation equivalent in value dollar for dollar to all lawful money of the United States. 
As a corporation engaged in commerce, J P Morgan Chase & co is bound to comply with U.S. public policy and laws. I look forward to your cooperation in settling this matter immediately.

Upon receipt of this letter, if there is a defect in any of the above stated