Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Dear CFPB, bellow is a list of prove that BBVA bank didn't follow administrative procedures in regard the loan they gave me based on the fact that U.S. Government is in bankruptcy since XXXX and stripped me as anyone else to pay lawfully for anything where the promissory note had to be taken to the treasury to discharge the due, not debt since I was never paid lawfully in my life and the debt is the debt of the U.S. since major changes in the banking system of this nation. The BBVA bank ( former Compass Bank ) switched the " Obligation of the U.S. onto me by handing over to me the mortgage agreement to sign it knowing well that there is now way to pay for anything and soon or later they will claim the property back while under the state of emergency all loans are based on the state of emergency where it is " all registered '' to the state for them to take care of it since they own " all properties '' as a collateral to the bankruptcy confirmed by the 73rd Congress 1st session Senate report 43 pg.13 stated bellow and each state in the union gets federal funds in order to discharge lawfully any dues but they are not doing it. 

I contacted the BBVA in regard this issue, explained them these major points, send them the evidence, spent 2 hours on the phone even with senior manager or representative of the bank explaining them what they have done and how it  should have it been done but to this day I didn't receive any rebuttal, explanation or comments on the issue I presented them. Even talking to them over the phone didn't bring any fruits and the only thing they could do as they told me is to take credit or debit card so they are programed to do so much only and disregard anything else even under FDCPA they have to respond anything is given to them to look at. They keep sending their bills and never mention anything related to what I sent them already 4 times registered mail with green return confirmation receipt since last XXXX which proves that they do not want to debate it but insist to rake in another promissory notes which they failed to discharge after me signing it the first time. 

Facts : 1913 FRA sect.16 - paved the way for foreign private banking - 1913 FRA sect.16 - Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. 

38 stat ch.6 pg 265 Issuance - Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. 

12 U.S.C. sect.411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues.

18 U.S.C. sect.8 Obligation or other security of the United States defined - bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, ... ... ... ... ..

1933 State of Emergency/Bankruptcy of U.S., PL 1 48 stat ch.1, H.R. 11654 - Declared National Emergency, gold, coins, certificates, confiscation, disabling Americans to pay lawfully.

1935 Social Security Act - Grants to states due to bankruptcy/gold confiscated causing hardship and no way to pay.

1940 Alien Registration Act/Smith Act - Registered every child born through birth certificate so the U.S. gov. knows how much of federal funds they have to  supply to each state and that is another reason for Census to exist.

12 U.S.C. 95 ( a ) ( b ) - placed all loans under the state of emergency due to no lawful money and banned to possess such by Americans. 

31 U.S.C. 3123 ( a ) ( b ) principal and interest ( part of PITI ) to be paid by the U.S. government/Secretary of the treasury.

31 U.S.C. 3124 obligations of the United States Government are exempt from taxation.

Taxes apply only to these aforementioned individuals : 26 U.S.C. 6331 ( a ) Levy and distraint - Levy may be made upon the accrued salary or wages of any officer, employee, or elected official, of the United States, the District of Columbia, or any agency or instrumentality of the United States or the District of Columbia, by serving a notice of levy on the employer ( as defined in section 3401 ( d ) ) of such officer, employee, or elected official.

BLD 5th definition - federal reserve note Form of currency issued by Federal Reserve Banks in the likeness of non-interest bearing promissory note payable to bearer on demand. The federal reserve note ( e.g. one, five, ten, etc. dollar bill ) is the most widely used paper currency. Such have replaced silver and gold certificates which were backed by silver and gold. Such reserve notes are direct obligations of the United States.

This proves that we own nothing ; 73rd Congress 1st Session Senate report 43 pg.13. The ultimate ownership of all property is in the State ; individual so-called ownership is only by virtue of Government, i.e. law, amounting to mere user ; and use must be in accordance with law, and subordinate to the necessities of the State.

James Traficant, Jr. ( Ohio ) addressing the House 1993, U.S. Congressional Record, XX/XX/XXXX Vol. 33, page HR-1303 " Mr. XXXX, we are here now in chapter 11.. Members of Congress are official trustees presiding over the greatest reorganization of any Bankrupt entity in world history, the U.S. Government XXXX We are setting forth hopefully, a blueprint for our future. There are some who say it is a coroners report that will lead to our demise. 

3 important case laws ; 1 : First National Bank of Montgomery vs. Jerome Daly - bank admitted that they have no money but using people 's signature to generate credit - this was also proved by Congressman XXXX and XXXX XXXX on floor of the Congress back in XXXX 's. 

2 : Case No. XXXX XXXX XXXX XXXX XXXX - no money in existence but signature generates the credit. 

3 : MEMPHIS BANK & TRUST CO. v. GARNER ( XXXX ) - U.S. Supreme Court ruled that Federal Reserve Notes can not be taxed. 

PITI - Principal, Interest, Taxes, Insurance - Principal and Interest is taken care of by 31 U.S.C. 3123 ( a ) ( b ). Taxes is taken care of by 26 U.S.C. 6331 ( a ), BLD 5th definition of Federal Reserve Note - Form of currency issued by Federal Reserve Banks in the likeness of non-interest bearing promissory note payable to bearer on demand. The federal reserve note ( e.g. one, five, ten,  etc. dollar bill ) is the most widely used paper currency. Such have replaced silver and gold certificates which were backed by silver and gold. Such reserve notes are direct obligations of the United States.

Federal Reserve Note = IOU, Promise to Pay. Federal Reserve Bank web site confirms that their notes are not backed by anything and these notes are the obligation of the U.S.

Looking at this evidence is prove that no one complies with the Art.4 sect.1 Full  faith and credit clause. 
Thank you for your attention.