Consumer complaint received 2021-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
Facts of the Matter XXXX, by Federal law is a consumer reporting agency and debt collector, Attempting to collect an alleged debt indirectly as a third party entity for an agreement in which their corporation has made with the RBS CITIZENS NA,. 
The FDCPA and TILA does not specify OR define the term borrower or loan therefore this notion of debt can not be validated in truth even In the highest federal court. 
A loan can not be formed in truth and validity from a CONSUMER CREDIT TRANSACTION. 

Understand, When an organization initiates a loan in a persons commercial name using their open ended consumer credit plan, then creates and furnishes a deceptive form to make a loan appear valid, this is in fact Identity Fraud. That organization shall pay interest to the Consumer for his or her extension of open ended consumer credit within the Corporation of the United States.

RBS CITIZENS NA, is not a federal, but a commercial bank, so by federal law jurisdiction RBS CITIZEN 'S NA, is a debt collector. Because RBS CITIZEN 'S NA, is a non living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent loan to which they have become the borrower and debtor to the Federal Reserve Bank. They have falsified documents to state that they are the " original creditor ', but have no extension of living credit to offer living consumers. 

It is impossible to pay on a Positively reflected balanced debt or charge. Therefore, XXXX, and RBS CITIZENS NA, are misleading the consumer, when in fact the Alleged debt balance shows it has already been accounted for. Why is this number not in a negative balance?

15 U.S. Code 1692a - Definitions ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

A Bank, non living entity, can not Lend funds or Extend credit, Therefore a bank can not be an original creditor of any natural person 's consumer credit transaction. The Documentation you have presented constitutes, Identity theft and fraud. Congress however states under 12 USC 1431 that Federal Banks may Borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. This notion does not include commercial banks, such as RBS CITIZENS NA.

I, The natural Living man, The original creditor have extended my open ended consumer credit to RBS CITIZENS NA to have it extended back to the Consumer, Myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. 
I was then mislead into a fraudulent contract named a loan when in fact an extension of consumer credit transaction had taken place.

Congress does not define the term Borrower or Loan. Again, however, Congress states Federal Banks may Borrow, this doesn't include commercial banks.

I know who I am, and I Am Invoking my specified remedy as an original creditor and consumer in this consumer credit transaction. 

If XXXX continues to report falsified information, which was constructed willfully in identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance.

Company response to consumer: Closed with explanation