Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RFNA, LP
State: TX

Complaint narrative:
Subject : Formal Complaint Pursuant to 18 U.S.C. 894, 31 U.S.C. 3729, and Declaration of Rights Effective Date : XX/XX/2024 Case No : XXXX Document ID : XXXX Garnishment : {$12000.00} To Whom It May Concern : I writing to formally lodge a complaint against Republic Finance , represented by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for actions that infringe upon my rights under federal law, including 18 U.S.C. 894, 31 U.S.C. 3729, and others protecting consumer rights and fair treatment. This complaint arises from actions related to XXXX XXXX. XXXX, specifically concerning a garnishment of {$12000.00} initiated on XX/XX/2024. 
Legal Basis : 1. 18 U.S.C. 894 : This statute prohibits using extortionate means to collect or attempt to collect any extension of credit. The Respondents ' actions involve attempts to collect an alleged debt using coercion and threats without proper legal validation or documentation, which constitutes a violation of this federal statute. 

2. 31 U.S.C. 3729 : This statute protects against false claims. The Respondents have attempted to collect an unsubstantiated debt without providing necessary documentation or following lawful procedures, thus violating this statute and my rights.

3. 12 U.S.C. 411 : It is my right to ensure all financial transactions are conducted using lawful currency. Furthermore, any claims or interests over my assets must be properly recorded and prioritized as per UCC 9-312. The Respondents ' failure to comply with these requirements indicates a lack of adherence to federal standards.

4. 15 U.S.C. 1692d : This statute prohibits harassment and abusive practices in debt collection. The Respondents actions, which include repeated attempts to collect an alleged debt without providing validation, constitute harassment and violate my rights as a consumer.

Violations : - The Respondents have failed to provide the necessary documentation to validate the alleged debt, despite my lawful requests. This failure not only violates my rights but also subjects me to harassment and undue financial burden. 
- The actions taken by Republic Finance, through their attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX including coercive measures to collect without proper legal validation, amount to extortion and conspiracy, infringing upon my right to disposable income. 
Declaration of Rights and Exemption : I, XXXX XXXX, residing at c/o XXXX XXXX XXXX, XXXX, TX XXXX XXXX hereby invoke my rights to exemption under the laws of the United States XXXX XXXX but not limited to XXXX U.S.C. XXXX, and do so, Without Recourse. Additionally, I claim exemption from any and all obligations, liabilities, or terms arising from contracts or agreements that XXXX have been assumed or implied without my explicit consent. 
A claim of exemption was made in accordance with my rights under applicable laws and regulations on XX/XX/2024, via email to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX, and to the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. 
I, XXXX XXXX XXXX, hereby formally declare my intent to withhold consent from any and all contracts, agreements, or binding arrangements with any third party acting on behalf of Republic Finance of Louisiana. This declaration is effective as of XX/XX/2024, and applies to all previously proposed contracts. I expressly declare that I do not consent to, and should not be bound by, any contract or agreement that may have been proposed or executed without my explicit, informed consent. 
Request for Relief : I demand that Republic Finance, XXXX & XXXX, and the XXXX XXXX XXXX XXXX immediately cease all collection activities related to this alleged debt until proper validation and documentation are provided, in full compliance with federal law. I further request an investigation into these actions to ensure they meet all legal standards and my rights are protected. 

Sincerely, -- - This complaint formally outlines my position, references applicable federal laws, and states a exemption from obligations that you believe were assumed without my explicit consent.

Company response to consumer: Closed with explanation