Submission to SEC (Informing of Fraud by Alliant Credit Union and Accomplice in Fraud by Messner Reeves LLP)
Please select the option that best describes your complaint.
Other
No
Alliant Credit Union has engaged in systemic financial fraud by enforcing foreclosure actions without providing proof of a valid contract or evidence of injury, despite numerous formal requests. Specifically, Alliant has failed to comply with federal consumer protection laws, including:
Fair Debt Collection Practices Act (FDCPA) [15 U.S.C. § 1692 et seq.]:
Prohibits deceptive, unfair, and abusive practices in debt collection.
Alliant has misrepresented the validity of the debt and failed to provide proper verification upon request.
Truth in Lending Act (TILA) [15 U.S.C. § 1601 et seq.]:
Requires clear and accurate disclosure of loan terms.
Alliant has enforced contracts rooted in incomplete or fraudulent disclosures.
Racketeer Influenced and Corrupt Organizations Act (RICO) [18 U.S.C. § 1961 et seq.]:
Addresses patterns of fraudulent activity, including collusion to enforce invalid contracts.
Alliant, along with their legal representatives, Messner Reeves LLP, has engaged in a coordinated effort to enforce fraudulent claims.
Additionally, these actions violate constitutional protections:
Fifth Amendment (Due Process Clause):
Protects against deprivation of property without due process of law.
Foreclosure orders were executed without requiring or verifying evidence of a valid contract.
Thirteenth Amendment (Prohibition of Involuntary Servitude):
Protects against usurious practices that create perpetual economic bondage.
Alliant’s contracts include predatory terms designed to trap individuals in cycles of debt.
Fourteenth Amendment (Equal Protection and Due Process Clauses):
Guarantees equal protection under the law.
Public officials, including Judge Teresa Slade and the Elbert County Sheriff’s Office, failed to enforce these protections by authorizing and executing foreclosure actions without proof of validity.
Supporting Evidence:
I have compiled extensive documentation substantiating these claims, including:
Correspondence with Alliant Credit Union and Messner Reeves LLP.
Consumer Financial Protection Bureau complaints detailing Alliant’s refusal to provide proof of contract validity.
Court orders authorizing foreclosure without verified evidence.
Correspondence with public officials, including Judge Teresa Slade and the Elbert County Sheriff’s Office.
These materials provide clear evidence of systemic fraud, misrepresentation, and constitutional violations. The full documentation is available at the following link:
https://thinkingwithzach.blogspot.com/2025/01/moore-v-elbert-county-resource-hub.html
Broader Context and Impact:
This fraud is not limited to my case. It reflects a pervasive and well-documented practice in the United States, where financial institutions foreclose on properties daily without proper verification of contracts or injuries. Estimates suggest that approximately 3,000 foreclosures occur every day in the U.S., many of which involve questionable or fraudulent practices.
The impact of such systemic misconduct contributes directly to the housing crisis. Current estimates indicate that there are over 580,000 homeless individuals in the United States, a significant number of whom have been displaced due to foreclosures driven by these predatory and fraudulent practices. These statistics underscore the urgent need for accountability and reform to prevent further harm to individuals and communities. The systematic and pervasive transfer of property from the citizens of the United States to those benefiting from these fraudulent practices is mathematically guaranteed so long as this fraud is allowed to persist.
This conduct represents a systemic failure that undermines the integrity of financial and legal systems, not just in my case, but across the broader spectrum of similar practices. I request a thorough investigation to hold Alliant Credit Union, Messner Reeves LLP, and involved public officials accountable for their actions.
Fair Debt Collection Practices Act (FDCPA) [15 U.S.C. § 1692 et seq.]:
Prohibits deceptive, unfair, and abusive practices in debt collection.
Alliant has misrepresented the validity of the debt and failed to provide proper verification upon request.
Truth in Lending Act (TILA) [15 U.S.C. § 1601 et seq.]:
Requires clear and accurate disclosure of loan terms.
Alliant has enforced contracts rooted in incomplete or fraudulent disclosures.
Racketeer Influenced and Corrupt Organizations Act (RICO) [18 U.S.C. § 1961 et seq.]:
Addresses patterns of fraudulent activity, including collusion to enforce invalid contracts.
Alliant, along with their legal representatives, Messner Reeves LLP, has engaged in a coordinated effort to enforce fraudulent claims.
Additionally, these actions violate constitutional protections:
Fifth Amendment (Due Process Clause):
Protects against deprivation of property without due process of law.
Foreclosure orders were executed without requiring or verifying evidence of a valid contract.
Thirteenth Amendment (Prohibition of Involuntary Servitude):
Protects against usurious practices that create perpetual economic bondage.
Alliant’s contracts include predatory terms designed to trap individuals in cycles of debt.
Fourteenth Amendment (Equal Protection and Due Process Clauses):
Guarantees equal protection under the law.
Public officials, including Judge Teresa Slade and the Elbert County Sheriff’s Office, failed to enforce these protections by authorizing and executing foreclosure actions without proof of validity.
Supporting Evidence:
I have compiled extensive documentation substantiating these claims, including:
Correspondence with Alliant Credit Union and Messner Reeves LLP.
Consumer Financial Protection Bureau complaints detailing Alliant’s refusal to provide proof of contract validity.
Court orders authorizing foreclosure without verified evidence.
Correspondence with public officials, including Judge Teresa Slade and the Elbert County Sheriff’s Office.
These materials provide clear evidence of systemic fraud, misrepresentation, and constitutional violations. The full documentation is available at the following link:
https://thinkingwithzach.blogspot.com/2025/01/moore-v-elbert-county-resource-hub.html
Broader Context and Impact:
This fraud is not limited to my case. It reflects a pervasive and well-documented practice in the United States, where financial institutions foreclose on properties daily without proper verification of contracts or injuries. Estimates suggest that approximately 3,000 foreclosures occur every day in the U.S., many of which involve questionable or fraudulent practices.
The impact of such systemic misconduct contributes directly to the housing crisis. Current estimates indicate that there are over 580,000 homeless individuals in the United States, a significant number of whom have been displaced due to foreclosures driven by these predatory and fraudulent practices. These statistics underscore the urgent need for accountability and reform to prevent further harm to individuals and communities. The systematic and pervasive transfer of property from the citizens of the United States to those benefiting from these fraudulent practices is mathematically guaranteed so long as this fraud is allowed to persist.
This conduct represents a systemic failure that undermines the integrity of financial and legal systems, not just in my case, but across the broader spectrum of similar practices. I request a thorough investigation to hold Alliant Credit Union, Messner Reeves LLP, and involved public officials accountable for their actions.
Unknown
Yes
12/24/2023
12/24/2021
Yes
No
Conversations, Internal business documents, Publicly available information
Complained to firm, Complained to other regulator, Complained to SEC, Complained to law enforcement, Complained to other
Yes, I have taken multiple actions regarding my complaint. These include:
Filing formal complaints with the Consumer Financial Protection Bureau (CFPB), requesting proof of a valid contract and evidence of injury from Alliant Credit Union.
Sending multiple written requests directly to Alliant Credit Union and their legal representatives, Messner Reeves LLP, for documentation supporting their foreclosure actions.
Submitting correspondence to public officials, including Judge Teresa Slade, the Elbert County Sheriff’s Office, and other state and local authorities, highlighting the lack of due process and legal compliance.
Compiling extensive documentation of correspondence, court orders, and regulatory complaints to substantiate my claims.
Preparing to submit this information to the SEC, DOJ, and FBI to request a formal investigation into systemic fraud and constitutional violations.
Despite these efforts, no evidence has been provided by Alliant Credit Union or its representatives, further confirming the fraudulent nature of their actions.
A full documentation of actions taken can be found here: https://thinkingwithzach.blogspot.com/2025/01/moore-v-elbert-county-resource-hub.html
Filing formal complaints with the Consumer Financial Protection Bureau (CFPB), requesting proof of a valid contract and evidence of injury from Alliant Credit Union.
Sending multiple written requests directly to Alliant Credit Union and their legal representatives, Messner Reeves LLP, for documentation supporting their foreclosure actions.
Submitting correspondence to public officials, including Judge Teresa Slade, the Elbert County Sheriff’s Office, and other state and local authorities, highlighting the lack of due process and legal compliance.
Compiling extensive documentation of correspondence, court orders, and regulatory complaints to substantiate my claims.
Preparing to submit this information to the SEC, DOJ, and FBI to request a formal investigation into systemic fraud and constitutional violations.
Despite these efforts, no evidence has been provided by Alliant Credit Union or its representatives, further confirming the fraudulent nature of their actions.
A full documentation of actions taken can be found here: https://thinkingwithzach.blogspot.com/2025/01/moore-v-elbert-county-resource-hub.html
Person or Firm 1
Firm
Bank
No
Unknown
No
No
Alliant Credit Union
11545 W. Touchy Avenue
United States
60666
CHICAGO
IL
mortgages@alliantcreditunion.com
www.alliantcreditunion.com
Yes
Person or Firm 2
Firm
Other
Law Firm
No
Unknown
No
No
Messner Reeves LLP
1550 Wewatta Street
Suite 710
United States
80202
DENVER
CO
info@messner.com
www.messner.com
Yes
Banking and consumer finance products
Traditional Mortgages
No
No
Mr
Zachary
Travis
Moore
371 Buckskin Court
United States
80138
PARKER
CO
(Redacted)
(Redacted)
Email
No
Accountant
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