Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
PLEASE REMOVE THIS COLLECTION AND DELETE THIS COLLECTION FROM MY CONSUMER REPORT DUE TO ALL THE VIOLATIONS. 
XXXX, : house of XXXX, a woman
hereinafter claimant, for:
XXXX  XXXX  hereinafter Alleged Debtor,
I advise you to read this ENTIRE LETTER. Disregarding information in this letter means 
that you can be subject to a XXXX fine and/or litigation for not reserving my rights under 
U.C.C. 1-308.4 (I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform 
under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC.) Claimant has entered an AFFIDAVIT OF FACT for the cease and desist of all collection activities and removal of adverse information on my consumer report; in commerce; (3) An unrebutted affidavit stands as judgment in commerce; (4) A matter must be expressed to be resolved; (5) A claim can be satisfied only through (a) a rebuttal by counter affidavit point by point; (b) resolution by a jury; or (c) payment (payment means discharging this debt and cease and desist all collection activities) Claim: claimant's offer to perform (pay with Federal Reserve Notes) upon PROPER AND COMPLETE DEBT VALIDATION; COMPLETE ENTIRE DEBT COLLECTORS DISCLOSURE STATEMENT; PURSUANT TO TITLE 15 U.S. CODE 1692g; Claimant requesting documentation showing where I signed an agreement or contract where I was given FULL DISCLOSURE; Claimant requesting documentation disclosing EQUAL CONSIDERATION; Claimant requesting documentation where COMPANY/CORPORATION has my WET INK SIGNATURE, including where COMPANY/CORPORATION signed agreement/contract and not a third-party representative; NOTICE: THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS; Silence is Acquiescence, Agreement, and Dishonor; Estoppel conditions apply upon default; Notice to Respondeat Inferior is Notice to Respondeat Superior Notice to Respondeat Superior is Notice to Respondeat Inferior XXXX XXXX XXXX: XXXX
Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
Date: XXXX
From: XXXX XXXX XXXX, a living woman
c/o XXXX XXXX XXXX XXXX XXXX, on FL near XXXX  
Non-Domestic
To: Current CEO of DISCOVER BANK  c/o DISCOVER  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Cease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-
308.4
Alleged Creditor: DISCOVER BANK 
Alleged Account: XXXX
Alleged Amount:$5500.00
This letter is meant for the CEO and no other person is permitted to answer to this matter. Any 
effort to do so will be considered mail fraud and tampering with the mail which also holds 
possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 
U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than 
the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. 
Treasury.
Dear CEO of DISCOVER BANK
It has recently come to my attention that contracts were created without my KNOWLEDGE 
when the alleged ID number and alleged bank account was established with a DISCOVER 
BANK which may invalidate and violate my rights pursuant to U.C.C. 1-308.4
Collection Agency has not provided validation Information under 12 CFR 1006.34(b)(5) 
but yet they placed a collection on your consumer
You have not been given a chance to dispute account according to 22 CFR 1006.34(c)(4)()
Collection agency is violating your consumer rights by using false misleading,
misrepresentation and deceptive means.
Collection agency has no authority to furnish any account to a consumer reporting 
agencies without providing any and all disclosures required by law and they are in clear
violation of
12 CFR 1006.34(d) and 15 USC 1681-S
2(A)
XXXX XXXX XXXX: XXXX
Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
I, XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections 
Practices Act 15 USC 1692g, to inform you that I protest the alleged debt and alleged 
account/account/negative activity/ statement associated with (reference accounts above) with 
DISCOVER BANK do not believe that the Natural Person XXXX XXXX signed a 
contract with your private corporation stating I allegedly lawfully owe a debt operating under the 
name DISCOVER BANK or I do not believe there has been an established KNOWN agreement 
and believe nothing exists.
For The Record and Let This Record Reflect,
 So as of now I am sending out to your organization corporation this AFFIDAVIT OF FACT 
AND TRUTH - Statement of Bill Protest on Alleged Debt Owed & The Reporting of Such 
Alleged Debt To The Credit Bureaus, Thus I am requesting that you provide the following 
information; until this protest of this alleged debt owed can be proven that this alleged so-called 
validated information is in fact reporting correctly and not violation Title 15 U.S. Code 1692 
statues. If you refused to answer back in the allotted XXXX (XXXX) days of the FDCPA rules and 
regulations, if unrebutted a Tacit Acquiescence will commence against you and give rise to a 
civil action against you for several violations of consumer protection and securities laws for 
fraud.
Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and 
only most high of creation only, whoever that may be, and I depose the following facts, so be it, 
now present: 
If you disagree with my determination, I will expect you to document your position and authority 
with a counter affidavit point by point to the following expressed truths below: 
PLAIN STATEMENT OF FACTS
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, I am a federally 
protected consumer, holder in due course, attorney, for any and all derivatives thereof for the 
surname/given name and I have been appointed and accept being the executor both public and 
private for all matters proceeding, and I hereby claim that I will autograph for my given name, 
XXXX XXXX and as the agent and administrator in fact. 
Notice, it is fact, unless DISCOVER BANK can provide a policy or state law which shows that 
the aforementioned policy or state law supersedes federal law, I hereby invoke the law of 
presumption and invoke federal law in to address the subject matter in the affidavit herein. XXXX XXXX XXXX: XXXX
Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
Notice, it is a fact that, I, agent for principal DISCOVER BANK am aware that DISCOVER 
BANK is a debt collector here is the legal definition. Pursuant to 15 U.S. Code  1692(a)(6), a 
debt collector is any person who uses instrumentality of interstate commerce or the mails in any 
business the principal purpose of which is the collection of any debts, or who regularly collects 
or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due 
another. See Exhibit (A) 
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, has received a 
statement including the subject matter of an attempt to collect an alleged debt for the Account 
number ending in  XXXX Notice, it is a fact that, I, agent for principal XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such 
alleged debt(s).
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing 
this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S. Code  
1692c(c)(2) and pursuant to 15 U.S. Code  1692c(c) I demand you to cease any 
communications and collection activity of this alleged debt until you can provide me with the 
requested information in this affidavit herein. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX  and affiant, has reason to 
believe and do so believes, in order to assess your proof of claim in association with this alleged 
debt all documents requested in this affidavit must be given to I the affiant in order to establish 
proof of claim that an alleged debt is owed. intro/introduction law of presumption/ federal law 
supersedes state law owes no debt cease and desist proof of claim, return all documents.
Notice, it is a fact, that, I, agent for principal XXXX XXXX  demand a full file disclosure 
in pursuant to 15 U.S. Code  1681g and all other documentary evidence, including books of 
account, both journal and ledger in accordance with 15 U.S. Code  44 and IRS publication 583 
including any and all accounts made using my intellectual property, my signature, associated 
with this account, so be it. Without this I cannot verify any valid claims of alleged debts in the 
name of the principal obligor. See Exhibit (A) 
Notice, it is a fact, that, I, agent for principal XXXX XXXX demand a statement under 
penalty of perjury stating that the bank in fact loaned the associated debt money from their own 
assets in order to verify there is in fact a proof of claim of this debt. Without this I cannot verify 
any valid claims of alleged debts in the name of my principal obligor. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX  and affiant, has reason to 
believe and do so believes, without all requested documents in the affidavit herein there can be 
no proof of claim by DISCOVER BANK and DISCOVER BANK would be liable for creating a 
false and deceptive form under 15 U.S. Code  1692j. See Exhibit (A) Notice, it is a fact, without 
an affidavit response with rebuttal, point for point, then I am conditionally accepting your nonreasonable response, as frivolous, and you agree to fault judgement in the favor of interest of I 
the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit
stands a truth in commerce.
XXXX XXXX XXXX XXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
Fact 1: I have not seen or been presented with admissible evidence which demonstrates that XXXX XXXX owes an alleged debt in the state in which the company itself resides 
and it is not required to adhere to Title 15 U.S. Code 1692b(2) and Title 18 U.S. Code 241 , and 
I believe that none exists. 
Fact 2: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK HAS NOT practiced abusive, deceptive, unfair debt collection practices and 
is not required to adhere to Title 15 U.S. Code 1692(a), and I believe that none exists. 
Fact 3: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK was given prior consent to communicate with me (communication means 
any medium including credit reporting agency), HAS NOT communicated with me at hours and 
times not conducive to me and is not required to adhere to Title 15 U.S. Code 1692c(1) and Title 
15 U.S. Code 1692c(a)(1), and I believe that none exists. 
Fact 4: I have not seen or been presented with admissible evidence which demonstrates that DISCOVER BANK HAS NOT used the profane language This Is Communication From A Debt Collector or the like/similar on mailed communications with me, HAS NOT put their logo on mailed communications with me that cause me mental anguish and not required to adhere to
Title 15 U.S. Code 1692d(2), and I believe none exists. 
Fact 5: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK has sent me, the consumer, initial written communication of the alleged debt, 
that the alleged debt will be reporting on my credit report and not required to adhere to Title 15 
U.S. Code 1692e(11), and I believe none exists.
Fact 6: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK is not required to adhere to Title 18 U.S. Code 241, and I believe that none 
exists.
Fact 7: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK is not required to adhere to Title 15 U.S. Code 1681o, and I believe that 
none exists.
Fact 8: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK has properly validated this alleged debt by providing copies of actual 
accounting, providing a signed INVOICE, a copy of a contract binding both parties (me and you) 
with wet ink signatures and not required to adhere to Title 15 U.S. Code 1692g, and I believe 
that none exists. 
Fact 9: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK WILL NOT be harmed in any way by ceasing and desisting collection 
activities, and believe none exists. 
Fact 10: I have not seen or been presented with admissible evidence which demonstrates that 
DISCOVER BANK HAS NOT caused me financial injuries, damages, mental anguish, and 
XXXX XXXX XXXX XXXX
Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
losses due to your violation of my privacy rights and doesnt have to adhere to ALL LAWS AND 
STATUTES of the Fair Debt Collection Practices Act, and I believe that none exists. 
UNDISPUTED CONCLUSIONS
Title 15 USC Chapter 41  Consumer Credit Protection  Subchapter III  Credit Reporting 
Agencies   1681 is an act of Congress designed to protect natural persons (1692a says that 
the term consumer means any natural person obligated or allegedly obligated to pay 
any debt.) from abusive collection agency practices.
NOTICE
Notice to the Agent is notice to the principle. 
Notification of legal responsibility is the first essential of due process of law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Your silence stands as consent and tacit approval to this regard. If no rebutted reply point by 
point is delivered within XXXX  days you are agreeing to the foregoing and are legally estopped 
pursuant to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, silence activities estopped.
I hereby reserve the right to make amendments to this document as necessary in order that the 
truth may be ascertained and justly determined.
If any living body has information that will controvert and overcome this Declaration please 
advise me in writing by counter Declaration in affidavit form within XXXX  days form receipt thereof 
proving that this Affidavit is substantially false.
I, the undersigned, do herewith declare, state and say that I am competent by stating the 
matters set forth herein and that the contents are true, correct, complete, and admissible as 
evidence, and not misleading by my best knowledge and belief.
XXXX XXXX XXXX XXXX
Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
This document may be recorded and may be used at the discretion of its issuer under Rule 902 
of the Federal Rules of Evidence including the jurisdiction of the State of FLORIDA and the 
United States of America 
Reminder: This letter is meant for the CEO and no other person is permitted to answer this 
matter. Any effort to do so will be considered mail fraud and tampering with the mail which also 
holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, 
Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail 
other than the CEO or acting CEO of this corporation will also personally be named in the lien 
with the U.S. Treasury.
My authority for making this demand for verification of your authority has been well established 
as follows: "Whatever the form in which the Government functions, anyone entering into an 
arrangement with the Government takes the risk of having accurately ascertained that he who 
purports to act for the Government stays within the bounds of his authority... and this is so even 
though, as here, the agent(s) may have been unaware of the limitations upon their authority."
Federal Crop Insurance Corporation v. Merrill, 332 U.S. 380 at 384 (1947).
Should you consider my position in error, please respond within the next XXXX  days with your 
reasons why. You have XXXX days to respond to the correspondence or you and your company 
will commit fraud. 
A claim can be satisfied only through (a) a rebuttal by counter affidavit point by point; (b) 
resolution by a jury; or (c) payment (payment means the amount on the tender that was 
sent to your company)
Thank you for your cooperation and attention to this matter.
 
In My Honor in Good Faith for the Record, 
Autograph: _____________________________ Date: _________________________
Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C.1-103.6
ATTESTATION
The facts stated above are true, correct and complete.
Signed by: _______________________ Subscribed and Sworn before me this______ 
 Day of______________________, 2______ .
 The State of________________________
 County of___________________________
________________________________ _____________________________________
Print Name & Title Signature of Notary 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
(Notary Seal) 
Hear Ye, Hear, Ye, Hear Ye:
this is a binding, self-executing contract between claimant and RESPONDEAT INFERIOR
Underwriter/Surety Notice: this instrument is non-negotiable unrebuttably instant claim for claimant's lawful lien, seizure, and liquidation (as required) of full penal value of all RESPONDEAT INFERIORs bonds and other security assets, to be escrowed, by and for the resulting breach of trust by RESPONDEAT INFERIOR; UPU Treaty Notice: This instrument constitutes Official Mail under regulations and jurisdiction of Universal Postal Union including the duties, obligations and penalties of Private Mail Carriers.

Company response to consumer: Closed with non-monetary relief