CITI Bank N.A.

ACCOUNT NO. 10103622018

JUNE 28, 2017
United States Postal Service
Certified Mail Number
Invoice Number

Glenda Cotero
In care of: Glenda Cotero
Service by and respond to:
c/o Jimmy Ajax Ahmed, Notary Public Witness
P.O. Box 5274
Whittier, Ca 90607

NOTICE AND DEMAND

Notice to Agent is Notice to Principal
Notice to Principal is Notice to Agent

CITI BANK, N.A.

Notice of Error
j 2900 Crossing, CITB-99, Austin TX 78758
RE: ACCOUNT NO. 1010362208

ATTENTION ACCOUNTING:
You are holding an Erroneous Account.

To whom it may concern,

An erroneous demand for payment of an alleged account held at your corporation has been received. In
accordance with the Fair Debt Collection Practice Act, (hereinafter known as FDCPA), a demand is now
made upon your company to provide verifiable evidence of the following:

1. That the individual taxpayer Glenda Cotero (hereinafter known as “Claimant”’ “I”, “me” or “my”), has any
financial obligation to CITI Bank, N.A. (hereinafter known as Respondent”, “you” or “your”).
2. That you are not a third party interloper who has voluntarily purchased and extinguished an unsecured debt
obligation from a company, thereby having no debt to collect; and
3. That you are not committing extortion, which is defined as: The act or practice of obtaining something or
compelling some action by illegal means, as by force or coercion.
4. That the purchasing of an alleged debt from a company does not satisfy the obligation of the debt a
company alleges to hold, since it is illegal for two companies to collect one debt.
5. That since you have satisfied the alleged debt, according to point 4, that the obligation is not discharged
since the holder is due course is responsible for the obligation; and
6. That any attempt to sell or collect a satisfied debt is not an act of fraud, extortion and the like.
7. That you did not purchase the debt from another company; and

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CITI Bank N.A.
ACCOUNT NO. 10103622018
JUNE 28, 2017

8. That you had an interest in the instrument and /or account at the time of original issue.
9. That your status in this matter is not that of a mere volunteer.
10. That the right of subrogation arises to one who pays the debt of another as a mere volunteer, including
attempts to collection by assignment, transfer, or trade.
11. That you have produced the account and general ledger statement and legend showing the full accounting
of the alleged obligation that you are now attempting to collect as demanded by the FDCPA.
12. That you have, hold or have provided copy of a verifiable contract between you and I; and
13. That you are not trying to defraud me or my money; and
14. That you are not a party to mail fraud.
15. That contacting me again after receipt of this notice without providing procedurally proper verification of
the debt does not constitute the use of interstate communications in a scheme of fraud by advancing a
writing, which you know is false, with the intention that other rely on the written communication to their
detriment.

A volunteer, stranger, or intermeddler is “one who thrusts himself into a situation on his own initiative, and not
one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and
whose rights would be sacrificed did he not respond to the importunate appeal. “Laffranchini, 39 Nev. 48, 153
P. at 252.

Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they
act without any obligation, legal or moral, and they act without being requested to do so by the person liable on
the original obligation, Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 (1908); Smith v.
State Sav. & Loan Ass’n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 (1986); Norfolk & Dedham
Fire Ins. Co. v. Aetna Casualty & Surety., 341,344,318 S.2d 659,661 (1974).

You are hereby given ten (10) days to respond to this Notice and Demand, providing me a verified response,
providing either proof of evidence on a point by point basis that the facts herein are anything except true,
correct, complete, and not misleading, or a written letter by your agency stating that no debt exists and that all
derogatory credit reporting will be corrected, since reporting without validity of a debt is an act of fraud.

If you do not respond seasonably as requested, I will assume you are committing fraud and acting in violation of
both the FDCPA and US CODE by reporting to credit agencies anything other than “Account is paid in full”.
You will be reported to the appropriate agencies including F.T.C. regarding this identity theft and fraud.

RESPONSE: Only a response that meets the following criteria qualifies as sufficient verified response:

1. Any response must be made via a sworn affidavit, verified and/or affirmed by a signature under the penalty
of perjury or by a signature under the full commercial liability of the Respondent thereof and
2. Any response must include a verified and/or affirmed adjusted statement of account; and
3. Be received by a certified notary at the “Service and Respond to’ address provided above no later than ten
(10) days from the postmark of this presentment.

1. Any response providing evident must contact verifiable evident on a point by point basis, proving that the
facts state herein are anything other than true, correct, and not misleading. Advisory note: The term
“verification” is defined in Blacks Law Dictionary 6th Edition: “Confirmation of correctness, truth, or
authencity, by affidavit, oath or deposition. Affidavit of truth of matter states an object of verification is to
assure good faith in averments or statements of party. “ The term “verify” is defined in Black’s Law

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ACCOUNT NO. 10103622018
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Dictionary 6th Edition: “To confirm or substantiate by oath or affidavit. Particularly used of making formal
oath to accounts, petitions, pleadings, and other papers.” The word “verified”, when used in a statute,
ordinarily imports a verify attested by the sanctity of an oath. It is frequently used interchangeably with
“sworn.” “To prove to be true: to confirm or establish the truth or truthfulness: to check or test the accuracy
or exactness of: to confirm or establish the authenticity of: to authenticate: to maintain: to affirm.

DEFAULT: Default is with the Respondent’s confession of judgement to the following:

The balance due on the above-referenced account is ZERO and 00/100 dollars ($0.00)

1. The Respondent(s) waiver of any and all claims, rights, immunities and defenses.
2. Respondent admits that all facts made by the Claimant are, in fact, true, correct and misleading, and no
evidence exists to prove otherwise.
3. That Respondent consent to acting in fraud and violation FDCPA and U.S. CODE rules and regulations.
4. That Respondent consents to all terms and conditions of the Fee Schedule included with this document OR
any other document sent to Respondent regarding this matter.
5. That Respondent agrees to report to all three credit reporting bureaus that the account(s) in questions are
PAID IN FULL with GOOD STANDING.

Respondent’s confession of judgement is with these stipulations:

1. Respondent(s) are consenting with the filing of encumbrances, including but not limited to liens, writs of
possession, writs of execution, and writs of attachment on any and all property, fixture, accounts, and
public hazard bonds by the Claimant(s) against the Respondent(s) up to the amount of Ten million and
00/100 dollars ($10,000,000,.00) for any and all actions taken by the Respondent(s) with the hindering,
impeding, obstruction and/or delaying the Claimant(s) rights, titles and interests in any and all collateral in
the association with or the security for the above-referenced alleged Loan/Account.
2. Respondent(s) are consenting with the filling of encumbrances, including but not limited to liens, writs of
possession, writs of execution, and writs of attachment, on any and all property, fixtures, accounts, and
public hazard bonds by the Claimant(s) against the Respondent(s) up to the amount of Ten million and
00/100 dollars ($10,000,000.00) for any and all actions taken by the Respondent(s) with the semblance of
harassment, coercion, defrauding, and /or defamation of the Claimant(s) and/or Claimant(s) collateral.

Take heed and govern yourself accordingly,

I declare under penalty and perjury, that the foregoing is true and correct and not misleading.

by:______________________________ this 25 th, day of May 2017

Agent

See Attached: Jurat/Affidavit

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CITI Bank N.A.
ACCOUNT NO. 10103622018
JUNE 28, 2017

AFFIDAVIT OF NEGATIVE AVERMENT

IN SUPPORT OF NOTICE AND DEMAND

“Indeed, no more than (affidavits) is necessary to make the prima facie case. “United States v. Kis, 658 F. 2 nd,
526,536 (7th Cir. 1981); Cert. Denied, 50 U.S.L.W. 2169; S. Ct. March 22, 1982

I Glenda Cotero authorized representative for the individual taxpayer GLENDA COTERO, a living breathing man,
declare by my signature that the following facts are true to the best of my knowledge and belief and hereby swear
and attest the following:

1. I deny that above referenced purported debt is the debt of the individual taxpayer GLENDA COTERO;
2. If the above reference purported debt is the debt of the individual taxpayer GLENDA COTERO, I deny that
it is a valid lawful debt;
3. If the above referenced purported debt, is a valid debt I deny the amount sued for, or stated, or attempted to
be collected is the correct amount.
4. I believe that no evidence exists to prove that the individual taxpayer GLENDA COTERO, (hereinafter
known as “Claimant”), has any financial obligation to CITI BANK N.A. (hereinafter known as
“Respondent”, “you” or “your”).
5. I believe that no evidence exist to prove that you are not a third party interloper who has voluntarily
purchased and extinguished an unsecured debt obligation from a company, thereby having no debt to
collect.
6. I believe that no evidence exists to prove that you are not committing extortion, which is defined as : The
act or practice of obtaining something or compelling some action by illegal means, as by force or coercion.
7. I believe that no evidence exists to prove that since you have satisfied the alleged debt, according to point 4
in the previous section of the attached notice, that the obligation is not discharged.
8. I believe that no evidence exist to prove that your attempt to sell or collect a satisfied debt is not an act of
fraud, extortion and the like.

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ACCOUNT NO. 10103622018
JUNE 28, 2017

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