Request for Proof of Contract #1: Moore v Alliant Credit Union with Company Response (6/3/2024)

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YOUR COMPLAINT

Subject: Complaint Against Alliant Credit Union for Breach of Contract and Securities Fraud 

To Whom It May Concern,

 I am writing to file a formal complaint against Alliant Credit Union (ACU) regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is Zachary Travis Moore, and I am a customer of ACU. The property in question is located at 371 Buckskin Court in Parker, CO 80138. I entered into a mortgage contract with ACU on December 10, 2021 for an original amount of $805,500. On May 28, 2024, ACU contented that I am in breach of contract for failure to make payments pursuant to the terms of my promissory note. I contend that ACU breached our contract on December 10, 2021 by engaging in securities fraud. At the time of the contract's execution, ACU fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, ACU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. It is fraud for any business to fabricate assets on its balance. While many companies have been able to get away with this for a time such as Enron, Worldcom, Bernie Madoff, and FTX, investigation proves that the companies success was deceptive, a paper fabrication. I request that ACU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence cannot be provided, I request that the contract between myself and ACU be considered broken and ACUs practice of lending be investigated similar to the investigations of Enron, Worldcom, Bernie Madoff, and FTX. I acknowledge that this complaint may seem unusual; however, it is grounded in the recognition of suspicious activities that often underpin cases of fraud. If ACU can assert that I am in breach of my contract for failing to uphold the terms of my promissory note, then I maintain that, by the same standard, they are in breach for fabricating bank credit without adequate backing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure accountability and justice. 

Sincerely, 

Zachary Travis Moore


Alliant’s Response: 

June 6, 2024

RE: CFPB Complaint ID 240603-14706738

Dear Zachary Moore,

Thank you for the opportunity to address your concerns. We are happy to research

and respond to your complaint dated 6/3/2024.

Your complaint holds no merit and is unsupported by any statute, rule, or regulation.

Alliant will not comply with your requests.

If you have any questions regarding your mortgage, please call 866-341-1017.

Sincerely,

Alliant Credit Union

Mr. Moores Feedback

Your feedback

THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUES
No
I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINT
No
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT
No
ADDITIONAL COMMENTS
This is to be expected from Alliant but their response is not well received. I simply asked them to provide evidence that loans are made from existing capital and not out of thin air by fabricated ledger entries. Since they would not provide such evidence, one must assume that none can be produced and Alliant, in coordination with the Federal Reserve Banking System, are defrauding their customers. Since Alliant was unwilling to respond appropriately, I have emailed my Colorado state and federal representatives as well as the Securities and Exchange Commission to assist in prosecuting this matter further.


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