Consumer Complaint to Alliant Credit Union Representatives and Policy Enforcers

 

Sent 8am Monday January 27

Subject: Persistent Refusal to Provide Proof of Valid Contract or Evidence of Injury by Alliant Credit Union

To Messner Reeves LLP and the Elbert County Sheriff’s Office:

This communication addresses Alliant Credit Union’s persistent and deliberate refusal to provide evidence of a valid contract, including proof of valid consideration, or demonstrable loss as a result of any actions on my part. After multiple requests and repeated follow-ups, Alliant Credit Union, through its representatives and proxies, has consistently failed to substantiate its claims that I have broken a valid contract or caused measurable loss justifying its pursuit of remedies against me.

Violation of the Eighth and Ninth Commandments

The refusal to provide this critical evidence—despite maintaining accusations against me—constitutes violations of both bearing false witness (Ninth Commandment) and theft (Eighth Commandment). These acts violate the highest moral and legal precedents that underpin justice and fairness in society, as enshrined in:

• The Ninth Commandment: “You shall not bear false witness against your neighbor,” and

• The Eighth Commandment: “You shall not steal.”

These principles are not merely religious doctrine but the moral foundation upon which Western legal systems, including U.S. law, are built.

Usury and Fiat Currency as Theft

At the heart of this matter is the usurious practice of fiat currency lending, which is, by its nature, both false and a form of theft. Fiat currency, created out of nothing and lent at interest, lacks the valid consideration required for a lawful contract. Such practices violate foundational laws and principles:

1. Truth in Lending Act (TILA) – 15 U.S.C. § 1601 et seq.
   The Truth in Lending Act requires lenders to disclose terms, conditions, and obligations associated with credit agreements. Lending fiat currency, which is created from nothing, while charging interest constitutes a failure to meet the requirements of valid consideration, making such agreements deceptive and inherently unfair.

2. Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) – 12 U.S.C. § 5531
   Usurious fiat lending and the refusal to substantiate claims are deceptive and abusive practices, imposing unjust burdens on consumers while enriching lenders through illegitimate means.

3. Fair Debt Collection Practices Act (FDCPA) – 15 U.S.C. § 1692 et seq.
   If Alliant Credit Union or its representatives, including Messner Reeves LLP, have pursued remedies without validating the debt or proving consideration, they are in violation of FDCPA requirements.

4. Uniform Commercial Code (UCC) Article 3 and Article 9
   Contracts must involve valid consideration under the UCC. Fiat currency loans, by their nature, fail this test, as the consideration purportedly exchanged is neither real nor lawful.

Evidence of False Witness and Theft

The failure to produce the requested evidence, despite repeated inquiries, demonstrates the following:

• Absence of Valid Contract: Without evidence of valid consideration, there can be no legitimate contract under the Uniform Commercial Code or general contract law.

• Lack of Demonstrable Loss: No proof has been provided of any injury or loss incurred by Alliant Credit Union as a direct result of my actions, as required to pursue remedies.

• Theft Through Usury: Lending fiat currency at interest constitutes a form of theft, as it extracts wealth through illegitimate claims without providing real value in exchange.

Moral and Legal Implications

Alliant Credit Union, Messner Reeves LLP, and the Elbert County Sheriff’s Office are perpetuating these violations, amounting to theft and false witness. Such actions undermine both legal statutes and the ethical standards that justice demands.

The Eighth and Ninth Commandments, which underpin the moral fabric of law, prohibit false accusations and theft. A refusal to provide proof of a valid claim or the legitimacy of fiat lending practices is a direct violation of these principles and undermines the legitimacy of any actions taken in this matter.

Accrued Violations and Notice of Escalation

Every minute that Alliant Credit Union and its proxies insist on maintaining their false claim against me without providing proof of validity will be counted against them. As of January 27, 2025, this amounts to 1,144 days of violating the Eighth and Ninth Commandments. Given that Alliant Credit Union has over 900,000 members, this ongoing violation applies to all of them, compounding the gravity of this matter. How many customers does Messner Reeves have that would be guilty of violating these commandments and laws? How many people has the Sheriff’s department of Elbert County punished without any proof of investigating whether the claims against these people were lawful and valid? 

Let this serve as a final warning: Demands for accountability will be made of the FBI, SEC, DOJ, and the moral American public. Any attempt by Alliant Credit Union or its proxies, including Messner Reeves LLP or the Elbert County Sheriff’s Office, to collect this debt—either directly or indirectly—will further rack up criminal charges against the individuals responding to and supporting Alliant Credit Union’s actions in this matter.

The executive team of Alliant Credit Union and its representatives should carefully contemplate what penalties for not dropping this case against me, Zachary Moore, and undoing all Alliant contracts will mean if this criminal activity persists. History and justice will not look kindly on those who choose to perpetuate these unlawful and immoral practices.

Sincerely,
Zachary Moore

P.S. To all recipients of this communication: Be reminded that the Department of Justice has a whistleblower program for individuals who uncover fraudulent activities and are willing to provide testimony. You may find more information at: DOJ Whistleblower Program.