Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MD

Complaint narrative:
To XXXX in response to your correspondence issued on XX/XX/XXXX for the card member agreement to be valid. 
*There needs to be full disclosure * lawful consideration * lawful terms and conditions * and signature of both parties If that's does not exist the credit card application is considered fraud. 
On XX/XX/XXXX the holiday banking act was passed, it confirms I was deprived of good and honest services when there was a failure of lack of FULL disclosure. You failed to inform me the full nature and value of my signature because there is no lawful money. There is legal tender as a compelled benefit. 


I have never paid a bill in my entire life because the deposits in my bank account is considered Federal Reserve notes. I didn't make a payment because payment is not possible. I DISCHARGED DEBT. Federal Reserve notes are legal tender, it's not lawful money its substitute. Its a compelled benefit. 
Banks do not lend money. '' You can't demand a specific species of legal tender. If you are demanding Federal Reserve notes that is unlawful. 
* what species of money did you provided? What species of money are you demanding? 

I dispute this debts in all claims to contrast according to 15 usc 1692G A statement of account is not a true bill. I don't owe this and this not a true bill of commerce. SEND ME THE ACCOUNTING!

12 USC 411 All Federal Reserve notes shall be redeemed in lawful money at the Treasury.

12 USC 1431 : banks are BORROWERS!

42 USC 408 : To ask for SSN is a felony!

15 USC consumers are the CREDITORS!

31 USC 5118 : gold clause Means a provision in or related to an obligation alleging to give the obligee a right to require payment etc .....

12 USC Section 83 " No national bank shall make anything loan or discount on the security of the shares of its own capital stock. 
Banks don't lend money. My application was the money pursuant Federal Reserve Act section 16 parts 1 and 2. You are lending me back my own money. You purchased my promissory note when I applied.

Pursuant UCC 1-204 ( 24 ) " money is a medium of exchange currently authorized or adopted by a domestic or foreign government. The term include a monetary unit of account established by an intergovernmental organization or by agreement between two or more countries '' Article 1, section 10, clause 1 " NO state shall make anything but besides gold and sliver in tender in payment of debts. Gold and sliver is the only lawful money. Everything else is credit.

UCC Article 3 negotiable instrument are written documents that represent an unconditional promise or order to pay a fixed sum of money, allowing for easy transferability to another party through endorsement and delivery ; essentially, this means that a negotiable instrument can be readily passed on to someone else who can enforce payment against the ORGINAL ISSUER.

Holder in due course : is a person who acquires a negotiable instrument for value, in good faith, and without notice of any defenses against payment, this provides significant protection to the Holder against claims by the original parties.

Transfer a negotiable instrument : to transfer a negotiable instrument, the Holder typically needs to endorse it by signing on the back, which allows the new Holder to enforce the instrument against the original parties.

In layman terms the statement of account is a negotiable instrument and I pay to The order of discover bank with the restrictive endorsement stamp at the top. If you need me to sign it again, send the statement soon and I will stamp and endorse again and send it back to you. You need to discharge the debt. You gave me an offer and I accepted. I Reserve all my right pursuant ucc1-308. As the payment you need to receive the payment I am trying to give you. I am XXXX XXXX the authorized representative of the All caps name XXXX XXXX. ) XXXX XXXX tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Company response to consumer: Closed with explanation