Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Deinde Online Services, LLC
State: OH

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Integra Credit presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. 

The United States Supreme Court clearly states that : waivers of Constitutional Rights not only must be voluntary, but must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and likely consequences. XXXX XXXX United States XXXX XXXX U.S. XXXX, XXXX ( 1970 ). Also XXXX XXXX XXXX, XXXX XXXX defines fraud as an intentional perversion of truth for the purpose of inducing another ( individual ), in reliance upon it, to part with some valuable things belonging to him to surrender a legal right. A false representation of a matter of fact, whether by words or by conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. 

Congress defines the term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which collection of any debts. An instrument is a written document ; a formal or legal document in writing such as a contract, deed, will, bond, or lease. Anyone who sends written documents through the mails ( this includes email ) and the principal purpose of that document/instrument is to attempt to collect a debt they are in fact a debt collector. Congress is only referencing 3rd party debt collectors when they say due or asserted to owed or due another. Congress makes it abundantly clear that a debt collector is ANY person who uses instruments in interstate commerce whose principal purpose is the collection of debts. This information proves that Integra Credit is in fact a debt collector.

Integra Credit failed to inform me of the true nature of of the loan. There was illegal conduct in regards to the loan, including but not limited to fees, interest rates, monthly payments being paid which is against federal law pursuant to 15 USC 1605. Integra Credit is unable to loan money and/or credit as determined by case XXXX v. XXXX XXXX XXXX Bank, XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The contract with Integra Credit is deemed void and fraudulent based on the information outlined above and the following cases outline this : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX F XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. If the documents fail to provide all the necessary elements of a contract, then the contract was never legally executed and is void ab initial and no debt is owed. 

Integra Credit has committed numerous violations of my consumer rights including but not limited to 15 USC 1605, 15 USC 1635, 15 USC 1692j, 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered 11/01/21, with a signed return receipt as proof of delivery. 

Integra Credit committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered XX/XX/XXXX, with a signed return receipt as proof of delivery. 

Integra Credit committed identity theft when they contacted the Federal Reserve to get the alleged loan that they claim I got from them, when in fact it is Integra Credit that are the borrower and got a loan from me through the Federal Reserve. Integra Credit has committed identity theft on multiple occasions as they have knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. 

Integra Credit was sent a Bill of Paticulars, Affidavit of Truth and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c ( c ) ( 2 ). I demanded that Integra Credit send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for the alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) was the debt assigned to a debt collector, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). 

Integra Credit violated my cease and desist by continuing to collect on the alleged debt when they cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail.

Integra Credit was sent request of debt validated which they have not honored. Integra Credit has continued to violate 15 USC 1692g ( a ) ( they have not sent written notice containing information pursuant to federal law ) and they continue to violate 15 USC 1692g ( b ) by continuing to collect on an alleged debt that I have disputed without sending proof that I owe this debt. 

Integra Credit has compromised my financial reputation with false, frivolous, and fraudulent allegations. Integra Credit are alleging that I owe a debt when it is a fact that I dont. The alleged debt is reported in a positive balance, if there was an actual debt it would be reported in a negative balance. Attempting to collect on a debt in a positive balance which is not an actual debt is a false representation of the amount of a debt. 

Integra Credit has continued to violation 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ), 15 USC 1692f by claiming that I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. 

I demanded in writing the Integra Credit stop reporting false, fraudulent information and alleged debt to consumer credit reporting agencies and furnishing my report with this information. Integra Credit are not reporting accurate information in accordance with the Fair Credit Reporting Act ( FCRA ) and they no longer have my written instructions to furnish my consumer credit report. 

Pursuant to 31 USC 3718, Integra Credit has to have a contract with the treasury in order to even collect an alleged debt which Integra Credit does not have. 

The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for this consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. 

To extend my credit is a right I possess. It is the right to securitize instruments for my use. I extend that credit but never lose my rights because each contract involving my credit must also contain my right to rescind the transaction that created the security interest. 

I also informed Integra Credit that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer. As of today Integra Credit is in default and the necessary actions are being taken against Integra Credit and XXXX XXXX.

Company response to consumer: Closed with explanation