Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX, XXXX XXXX XXXX, the undersigned affiant, a living man declare that I am of majority and competent to state the matters set forth herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence XXXX XXXX XXXX. XXXX, XXXX XXXX " The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. XXXX XXXX, XX/XX/XXXX on XXXX, XXXX " Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers ' acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title XXXX XXXX. - Obligation or other security of the United States defined The term " obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. XXXX 's are obligations of UNITED STATES : HR XXXX : " The term " obligation '' XXXX Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title XXXX XXXX makes a statutory pledge of the United States government to payment of obligations and interest on the public debt XXXX XXXX {$3100.00}. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve XXXX are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. The XXXX does not give we, the people " rights. '' It forbids the government to ignore the " XXXX given Rights of the people, '' as seen in the XXXX Amendment : " The enumeration in the XXXX, of certain rights, shall not be construed to deny or disparage others retained by the people ''. In addition, the XXXX Amendment : " The powers not delegated to the United States by the Constitution, nor prohibited by it to the XXXX, are reserved to the XXXX respectively, or to the people '' It is a fact : Title XXXX XXXX further delineates in its definitions a portion of the total public debt, which is held by the public as the " Net public debt, '' XXXX. XXXX XXXX XXXX Report ( a ) XXXX XXXX. On or before XX/XX/XXXX of each calendar year after XXXX, the Secretary of the Treasury shall submit a report to the XXXX XXXX XXXX and XXXX XXXX XXXX House XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX on- ( XXXX ) the Treasury XXXX public debt activities, and ( XXXX ) the operations of the Federal XXXX Bank XXXX For whatever reason we can associate with their actions and reasons they did so we XXXX benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. In fact, by the XXXX Amendment, XXXX, we need people to create credit instruments. We must also Accept For XXXX, the debt instruments/legal tender of the United States XXXX As long as the debt exists, the XXXX exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve XXXX ( XXXX 's ) as legal tender are debt notes, an insufficient number exists, for their repayment in kind, will not cover the interest " owed. '' Using FRNs to " pay '' debts only increases the government obligations on debt by their creation. As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by XXXX Treasury XXXX XXXX bills and/or obligations, it is impossible for me to be held liable for government obligations. The unconstitutionality of said act is expressed in XXXX ' own words : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to XXXX provisions of federal law. These hundreds of statutes delegate to the XXXX extraordinary power exercised by XXXX, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. '' XXXX report XXXX XX/XX/XXXX. XXXX. Therefore, and per the above, let the XXXX XXXX XXXX XXXX XXXX settle the claims and close this account as paid in full for and which I do hereby give my permission. I do declare my willingness to offset public debt by accepting and returning for value, my private debts that created new currency into circulation and indebted the government thereby. Sent a coupon to said company for full amount of the debt. XXXX FS kept the payment and brought my credit score down.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They tried keep my money from me
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I opened a Venmo account and payments were made to me and money transmitted to my Venmo account. Venmo is refusing to allow me access to those funds and the have frozen my account for no reason and the account will remain frozen for 180 days! They continue to accept funds but will not allow me access to those funds! They provide no reason for freezing my Venmo account. This is unfair and predatory business practices
Company Response:
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I initiated a transfer from my Venmo account to my debit card on XXXX using their XXXXXXXX XXXX instant transfer. XXXX XXXX XXXX XXXX the money has yet to arrive. I have called XXXX where my debit card is and XXXX tells me it is XXXX XXXX Venmos problem and the money has not ever arrived to XXXX. Venmo tells me it is XXXX XXXX XXXX problem as they have sent the money. Venmo tells me it will take them a XXXX to investigate. In the meanwhile, I suffer, tremendous financial consequences for not being able to pay my bills on time and putting my company on the verge of bankruptcy.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo has repeatedly made it impossible to withdraw funds from my account without requiring a fee for immediate transfers to my debit card. I do not use Venmo often but every time I have tried to add my XXXX XXXX Checking Account to Venmo, I am given errors after error. I have manually tried to add my account but when I submit the Routing and Checking Number I receive an error that says " Form submission error. '' Conversely, when I try and add my XXXX Account using the automated Plaid service, it says that it completed but I am then given a message that an error has occurred and for me to try again. This has been an endless cycle of errors for which Venmo states " engineering is working on. '' This is unacceptable and illegal. Venmo can not force me to continue to pay fees due to 'system errors ' on their end that are verging on predatory.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I received a letter from XXXX XXXX XXXX XXXX, a debt collector on XX/XX/2022. The letter informed me that they are trying to collect a debt of {$4800.00} that I owe to PayPal , Inc . This was a shocker as I have not used my PayPAL for a long time. I do have a PayPAL account and when I logged in and checked. My PayPAL account shows no balance and transactions or purchases in a long time ( as expected ). The letter indicated a PayPAL account number as XXXX. I called PayPAL and they confirmed my account has no balance pending. However, the account number in the letter also has my name associated with it. When I asked them for more information, they asked me to provide an email and credit card/bank number associated with the account ending in XXXX ( the XXXX in the letter ). Since I never opened that account I could not provide that information. I had been a victim of ID theft before. As a result for several years I have frozen my credit with all XXXX credit bureaus as well as the XXXX system. I had also set fraud alerts at all these places. So how can someone open an account using my information and conduct financial transaction ( s ).
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX someone logged into my mothers PayPal account and sent {$250.00} to themselves. My mother is currently incarcerated Since XXXX/XXXX/2022. I have sent Proof to PayPal and the collection agency that she and still is incarcerated. They refuse to see this as fraud and continue to say she owes them the money. I have written authorization but from prison, but PayPal wants me to hire an attorney just to speak with them, they will only take verbal authorization even though she is unable and in a venerable situation that she can not defend herself. This person knows my mother very well and found her password, be careful with PayPal, PayPal has been a nightmare to speak with and to get any help possible. DO NOT USE PAYPAL!
Company Response:
State: WA
Zip: 99362
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have messaged, and called Paypal trying to close my account. They are refusing to do it, even though I have no money in my paypal account, no transactions pending, etc. My account is not limited. I would love to attatch screenshots, but because I called about closing my account ( it tells me to call when I try to close it in my account ) they froze my account so its still open but I cant access it! I'm supposed to call back in 3 days to see if they will unfreeze it and maybe close it then. This sounds rediculous, but this is what I'm dealing with! I have called 3 times, and messaged in app.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: By way of background, Venmo allows direct linking of your Venmo account to other apps including XXXX. For at least the past year, my Venmo account has been linked to my XXXX account. On XX/XX/2022, an unknown individual gained access to my XXXX account and subsequently placed an order of {$31.00} at a XXXX XXXX in XXXX, Nebraska. I first learned of this when I received the text message notification confirming the order. The unknown individual changed my login information for XXXX, but I was able to confirm in Venmo that the XXXX order was charged to my Venmo account. On the same date, I called Venmo customer support to dispute the charge immediately. Initially, the call was taken by a customer service associate. After informing the initiate of situation, the associate promptly transferred me to a member of Venmo 's dispute team. I informed the dispute associate of the situation. I informed the dispute associate that I would like to dispute the charge as I did not authorize the transaction, have no idea who accessed my account, am no way associated with that part of the country, and that it appears that the breach was limited to my grubhub account. My vemno account is connected to my XXXX XXXX XXXX checking account as I do not deposit funds directly into my venmo account. I asked the dispute associate if I should dispute the transaction with XXXX XXXX XXXX or if doing so would frustrate Venmo 's investigation. The dispute associate asked that I refrain from disputing with XXXX XXXX XXXX while Venmo investigates. The dispute associate informed me that Venmo would freeze my account during the investigation and would reach out to me regarding next steps. On XX/XX/2022, I received XXXX emails from Venmo. The first, received at XXXX EST, informed me that Venmo disconnected my Venmo from my XXXX account due to suspicious activity. The second, received at XXXX EST, informed me that my Venmo account was unfrozen and notified me that the results of my dispute would be communicated to me separately. The third, received at XXXX EST, informed me that the dispute, assigned dispute ID : XXXX XXXX was denied because the transaction was consistent with my payment history. At no point was I offered to submit additional information nor contacted by the dispute resolution team. Aside from this, it is unclear to me how any reasonable person could deem a transaction consistent with my payment history, but, at the same time, deem it suspicious activity.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My PayPal account can not be linked to the bank and withdraw cash. I have called the customer service representative many times and the problem has not been resolved. Please " CFBP '' help me
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A