SWORN DENIAL

IN THE VANCE COUNTY GENERAL DISTRICT COURT

156 CHURCH STREET SUITE 101

HENDERSON NC 27536

HENRY L GUPTON CLERK OF SUPERIOR COURT

WARRANT OF DEBT

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer

1550 AMERICAN BLVD SUITE 200

BLOOMINGTON MN 55425-116

PLAINTIFF,

VS.

CASE NUMBER 24E001254-900 ;Estate of Andrew J Jones Jr alleged debt $3,866.66

BESSIE DUNSTON ;ALL RIGHTS RESERVED;WITHOUT PREJUDICE;WITHOUT

RECOURSE;WITHOUT DISHONOR;ALL RIGHTS RESERVED UCC 1-308

DEFENDANT

SWORN DENIAL ON ACCOUNT

Comes the Defendant, after being duly sworn according to law, and says that she does not
owe the account on which the Plaintiff has sued her and that the same is not true, just, nor
correct for the following reason(s):

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd,
Section 90 under the Doctrine of Subrogation. There is no right to substitute someone or some
entity that was not on an original contract. It is not allowed. Now, this includes attempts to
collect based on assignment, sale/purchase, or trade.Violations of Third Parties Act of
1999/Inducement of Fraud/No Surety Bond/No Certificate of Authority,Assessment,or
Delegation/NO IMNENITY BOND/NO BID BOND/NO APPEARANCE BOND

This is not a valid debt.

 There is not a 2 party signed legal contract.

There is no legal exchange

TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT

AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE

AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE.

IN COMMERCE FOR ANY MATTER TO BE RESOLVED MUST BE EXPRESSED

“verification” is defined (in Black’s Law Dictionary, Sixth Edition) as follows:
“Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Affidavit of truth of matter stated and object of verification is to assure good faith in
averments or statements of party.”

Violations of GAAP & GAAS

Full disclosure was not given.

This is Actual and Constructive Notice that the collection procedure being used in this
matter against BESSIE DUNSTON ;ALL RIGHTS RESERVED is defective. Any legal
process fails at its first defect, shown as follows.

Reference the law and Fair Debt Collection Practices Act. Assessment Authority.

1. The initial step in the collection process is to establish an account against a "debtor" by
assessing the amount due and unpaid.

2. Method and Time of Assessment. designates a specially authorized Assessment Officer

must sign the Certified Assessment Certificate.

This record, through supporting data, provides identification of the debtor by name and
number, the claim period, the nature of the claim, and the amount assessed.

3. The date of assessment is the date that the Certified Assessment Certificate is signed by
the authorized Assessment Officer.

4. Full disclosure requires that the Claimant provide to the debtor of any collection
demand, a copy of the documents supporting that demand.

That includes a certified copy of the Assessment Certificate.

The Certified Assessment Certificate is the legal document that permits collection activity.

The United State Supreme Court has ruled, "The claim is not owed until it has been
lawfully assessed."
 Therefore, the Claimant is prohibited by law and the Fair Debt Collection Practices Act
from taking any collection action until there is presented to the Debtor a full disclosure of
the assessment including a certified copy of the Assessment Certificate document that
pertains specifically to BESSIE DUNSTON;ALL RIGHTS RESERVED

However, it appears the Claimant has made demands upon the Debtor with no specific
reference to any contract that bears the signatures of the authorized agent and that of the
alleged Debtor.

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer have not provided any
consideration to BESSIE DUNSTON , have not provided any performance to which the
Undersigned is indebted
legal claim or by any instrument that bears the signature, UCC 3-401 (1).

Please exhibit th2 party signede instrument that contains the signature of BESSIE
DUNSTON(Andrew J Jones Jr;All Rights Reserved) obligating to your demand, by
agreement, UCC 1-201 (3).

Provide proof of your claim that you maintain any prior superior security interest, UCC 1-
201 (37) (a). It appears you are attempting to inject yourself into some contract to which
you are not a party and one that is defective at that. That would make your agency an
Interloper and in violation of the Constitutional and Civil Rights of the undersigned Party.

The respondent’s private copyrighted “UNITED STATES CODE” (USC) Title 12,
Section 1831n (a) requires all Federally Insured (FDIC) banks to follow the Generally
Accepted Accounting Principles (GAAP).
This is required to establish your right of enforcement as Holder in due course via chain
of assignment as evidenced by the Note,Contract,or agreement. Claiming to be “the holder in due
course”as a statement is insufficient proof of status will be rejected.
I BESSIE DUNSTON ;Without Recourse required the 424 B-5 prospectus (security filing), RC-S and
RC-B call schedules, and FAS 125, 133, 140, 5, and 95 forms and any other GAAP forms regarding
alleged “loan” named in the Promissory

I BESSIE DUNSTON ;Without Recourse required a certified copy of the alleged Principal’s’ balance
sheet and (Federal Reserve form) FR2046, showing the account hereafter named ‘source’ that funded the
money1 that any advances of valuable consideration on behalf of BESSIE DUNSTON or BESSIE
DUNSTON originated from.The Beneficiary is not a Creditor in this Loan and can never prove it before
a court.The Beneficiary has already sold the Promissory Note and can not fulfill the requirement of
presentment under U.C.C ARTICLE 3 -§3-501 (b) 2 (1).

1
 A photocopy of the documents is INSUFFICIENT proof as it does not answer the question of
who CURRENTLY is the rightful and lawful holder in Due Course,and will be rejected as well.
There is absolutely NO CONTRACT SIGNED BY BOTH PARTIES IN EXISTENCE THAT
BINDS BOTH PARTIES. There has NEVER been a meeting of minds to discuss an offer of
any-kind whatsoever. Borrower, BESSIE DUNSTON ;Without Recourse;Without Dishonor;All
Rights Reserved;UCC 1-308, is hereby requesting that an authorized officer or agent of
CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;
Martha Hanson General Counsel and Chief Compliance Officersign and return the attached
affidavit within 10 days of the date of this notice. Also attached is an affidavit signed by the
Borrower, BESSIE DUNSTON;Without Recourse;Without Dishonor;All Rights Reserved;UCC
1-308 stating the Borrower’s personal knowledge of the terms of the agreement. This is the
Borrower’s good faith attempt to settle this matter and clear up any confusion about the terms of
the loan agreement prior to an Administrative Hearing on the matter.

Adequate of Assurance was not given.

There was not consideration ,nor a meeting of minds.

If your presumption is you’ve obtained tactic or implied consent, you have now been put on
Notice that any subrogation has now been rebutted and presumption of consent is hereby VOID
for Fraud.

Which constitutes Racketeering and Extortion,) which is a “Federal Criminal Act: according to
the RICO ACT U.S.C 18 Section 1341 &U.S.C section 1962 (a) and causing me Financial Harm
by reporting derogatory items on my credit reports.

There is no security claim as required under UCC 9-210

Tax deductions have been made and paid on this account.

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer failed to provide
bond# ,EIN# & Legal binding contract signed by both parties .

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer has failed to provide are
they the holder in due course of the promissory note.

Please provide a Notarized copy of the ORIGINAL 2 PARTY SIGNED WET INK SIGNED
CONTRACT and all other supporting documentation that give rise to and lawfully support
the alleged obligations your firm now claims is owed.
 It has come to my attention that the Promissory Note which(Andrew J Jones Jr;All
Rights Reserved) I executed is an unregistered security and that it may have been
sold, traded or assigned in violation of state statutes.

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer has failed to provide a
sworn affidavit of truth stating that they have not committed any type of fraud or
inducement by making demands for payment for which no contract exists.

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer has failed to
provide:Deposit slip and cancelled check: Please provide me with a verified (sworn to by
affidavit) copy of the deposit slip for the deposit of my alleged agreement in its entirety by
the alleged creditor associated with the above alleged account/file number, and a verified
copy of the cancelled check issued by the alleged creditor as payor in payment for my
alleged agreement in its entirety and any other alleged related security
instruments;Affidavit of debt & damages: Please provide me with an affidavit of debt and
damages incurred, sworn to be true, correct, complete, and not misleading, by a properly
identified and authorized officer of the alleged creditor, hereinafter “affiant,” upon his or
her personal knowledge (FRE Rule 602) stating:that CITIZENS BANK;N.A MEGAN
CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson General Counsel and
Chief Compliance Officer is, indeed, the secured party and holder in due course of the
aforesaid alleged original agreement in issue and has an enforceable perfected security
interest therein pursuant to and in compliance with the Uniform Commercial Code
(“U.C.C.”) Section 9-203, Section 9-204(1), and Section 9-305, or equivalent sections of the
Commercial Code of North Carolina;(ii) that CITIZENS BANK;N.A MEGAN
CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson General Counsel and
Chief Compliance Officer provided consideration to me, the alleged debtor, from the assets
they had on hand before the alleged credit was made, and incurred a financial loss under
the full and complete alleged original agreement and alleged debt, and state each and every
loss thatCITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM
SERVICES; Martha Hanson General Counsel and Chief Compliance Officerhas incurred
to date under the alleged debt in issue; and
(iii) that affiant has personal knowledge (FRE Rule 602) regarding the facts of the alleged
debt and is the original custodian of the books of entry, or directly supervises said original
custodian of the records.

(i) Bookkeeping journal / account ledger entries: Please provide me with a verified (sworn
to by affidavit) copy of the complete set of original bookkeeping journal / account ledger
entries associated with my alleged agreement and alleged file/account number using
Generally Accepted Accounting Principles per 12 U.S.C. § 1831n, showing all debits and
credits and identifying the source(s) and amount of the credit funds/assets; Note: The
verifying affidavit of journal / account ledger bookkeeping entries is to be completed by the
original custodian of the books and records, sworn to be true, correct, complete, and not
misleading. Further, said affidavit shall contain positive identification of the custodian, and
state that he or she has personal knowledge (FRE Rule 602) of said entries.
 Assignment contract: If applicable, please provide me with verified (sworn to by affidavit)
proof of an assignment contract in its entirety of the alleged original agreement and the
alleged debt in issue from an alleged original creditor, as assignor, to the alleged creditor, as
assignee.
(l) Proof of authority: Please provide me with a verified (sworn to by affidavit) copy of the
contract your firm has with the alleged original creditor which authorizes your firm to
engage in collection activities on their behalf against the above alleged account, and naming
you as an authorized collection agent / claims adjuster.

(m) Certification of authority: Please provide me with a verified (sworn to by affidavit)

certificate of authority from the State of NORTH CAROLINAauthorizing your company
to transact business in the state of North Carolina and a photocopy of your State
Department of Commerce and Insurance certificate.

(n) Form 1035: Please provide me with Department of the Treasury Form 1035 Custodian
of Documents attached or associated with my alleged original agreement and /or the name
and address of said custodian per “(b)(ii)” above;
(o) Form 1099: Please provide me with Department of the Treasury Form 1099 Original
Issue Discount for each year the alleged creditor was holder in possession of the alleged
original agreement;
(p) Vendor sales slips/vouchers: Please provide me with verified (sworn to by affidavit)
copies of all original sales slips/vouchers from all alleged vendors covering all alleged
transactions in the above referenced file/account from its inception to date.

Please attach a copy of any ORIGINAL blue ink signed agreement the alleged debtor/claimant
has made with debt collector and other verifiable proof that debtor/claimant has a contractual
obligation to pay debt collector. Furnish a copy of the original promissory note/agreement
redacting my social security number to prevent identity theft and state that the respondent, you,
or your company named above is the holder in due course of the agreement

Produce any accounts / general ledger statements showing the full accounting of the alleged
obligation that you are now attempting to collect. Such as applicable; FR 2046 balance sheet
(OMB #’s 2046, 2049, 2099), 1099 OID report, S-3/A registration statement, 424-B5 prospectus,
RC-S & RC-B call schedules Identify by name and address all persons, corporations,
associations, or any other parties having an interest in legal proceedings regarding the alleged
debt. Verified specifically, name(s) of person(s) assigned as Trustee to handle Corporations
affairs and to be held accountable for the actions of the Corporation. Such as CFO and
subordinates responsible for debt collections.
If you are a third party debt collector, verify you have not purchased evidence of the alleged debt
and are proceeding with collection activity in the name of the original maker of the
note/agreement.

Provide verification from the stated creditor that you are authorized to act for them.

Verify that you know and understand that contacting BESSIE DUNSTON again after
receipt of this notice without providing procedurally proper validation of the debt
constitutes the use of interstate communications in a scheme of fraud by advancing a
writing, which you know is false with the intention that others rely on the written
communication to their detriment a violation of United States Code TITLE 18 PART 1
CHAPTER 63 § 1341.

This is not my debt.

1. Please provide the origin of the funds used to create this alleged claim of a debt.

2. The actual records of the organization or other government unit showing the
time and place of the deposit and distribution of the funds used to create this
alleged claim of debt.

3. The name of the actual creditor even if that is myself;

4. The actual records of the organization or other governmental unit with a live 2
PARTY signature on any and all document/instrument(s) used to allege the
existence of a real loan of funds or debt from the organization or other
governmental unit to myself or anyone else by a similar name.
5. The person that prepares and swears to the validation of debt must describe: 1)
your job description on a daily basis; 2) if you are the regular keeper of those books
and records and are familiar with how they are kept and their contents; 3) how long
have you been in your position; 4) when did you first come in contact with the alleged
account/debt; 5) how frequently do you work with the files and information they are
presenting to verify/validate the alleged debt; 6) are you the person/employee who
regularly works with the alleged account/debt; and 7) do you have personal
knowledge about the alleged debt and/or any alleged account.

6. 15 U.S.C. § 1692 (e) states that a “false, deceptive, and misleading

representation, in connection with the collection of any debt,” includes the false
representation of the character or legal status of any debt and further makes a
threat to take any action that cannot legally be taken a deceptive practice.
7. Pursuant to 15 U.S.C. § 1692 (g) (4) Validation of Debts, if you have evidence to
validate your claim that the attached presentment does not constitute fraudulent
misrepresentation and that one owes this alleged debt, this is a demand that,
within 10 days, you provide such verification/validation and supporting evidence
signed and certified under penalty of perjury to substantiate your claim.
 Until the requirements of the Fair Debt Collection Practices Act have been complied with
and your claim is verified/validated, CITIZENS BANK;N.A MEGAN
CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson General Counsel and
Chief Compliance Officer have no consent to continue any collection activities.

Please take notice that this is a criminal investigation of the business practices of the above
named organization or other governmental unit, its agents, officers, employees and
attorney to determine violations of the United States criminal laws. Your enclosed claim of
collection of a purported debt appears to be founded upon a false record in violation of
U.S.C. Title 18 § 2071 and 2073 (falsifying records) and further; uttering and possessing
false obligations and counterfeit securities based upon the falsified records in violation of
U.S.C. Title 18 § 471, 472, 473 and/or 513, and further: using corrupt business practices to
make and possess false records and claim of obligation, not substantiated by truthful facts
in violation of the Federal Racketeer Influences and Corrupt Organization (RICO), U.S.C.
Title 18 § 1961 et. seq. and further: using the U.S. Mail to present such fraud and false
instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. §
1341 – Frauds and Swindles laws, and further sending mail with false and fictitious names,
a criminal conduct falling under Title 18 U.S.C. § 1842 – Fictitious Names.

I Bessie Dunston c/o (Andrew J Jones Jr;All Rights Reserved) did not sign a LEGAL 2
PARTY contract to be responsible for this debt.

I did not sign a legal 2 binding contract with this plaintiff.

If I am responsible for this debt, the amount sued for is incorrect.

Once again please provide an affidavit or a letter stipulating that you are a creditor following
Generally Accepted Accounting Principles (GAAP) whereby true double entry book
accounting was performed in issuing my loan showing a debit against the bank’s assets as a
result of my loan.

If you are not the holder in due course, I require you to identify who the holder in due course is
and their address. As you are claiming to be the agent of the holder in due course, this notice of
demand is presented to you and you have an obligation to notify the holder. Notice to agents is
notice to principals.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > § 1692g part b), this
debt is now officially in dispute. By law, all collection activities must cease until this
matter is resolved. You are hereby given notice

PLEASE NOTE:
Certified Copy: means- “A copy of a document or record, signed and certified as a true
copy by the officer to whose custody the original is entrusted” and in accordance with USC
Title 18
Verified Copy: means- “Copy of document which is shown by independent evidence to be true.
A copy, if successive witness traces the original into the hands of a witness who made or
compared the copy. See: Nu Car Carriers v. Treynor, 75 U.S.App.D.C. 174, 125 F.2d 47, 48.”
Verification; means- “Confirmation of correctness, truth, or authenticity, by affidavit, oath,
deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in
averments or statements of party. See Sheeley v. City of Santa Clara, 215 Cal.App.2d 83, 14
Cal.Rptr. 121,123. Sworn or equivalent confirmation of truth…in accounting, the process of
substantiating entries in books of account.”
Assure: means- “To make certain and put beyond doubt. To declare, aver, avouch, assert, or
ensure positively. To declare solemnly; to assure to any one with design of inspiring belief or
confidence.”
Assurance: means- “The act or action of assuring...A declaration tending to inspire full
confidence.”
CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;
Martha Hanson General Counsel and Chief Compliance Officer failure to provide anything
less than the verification requested herein and continuing to attempt to collect on the alleged debt
may be deemed a violation of, but not limited to, the FDCPA for providing false, misleading
and/or deceptive information, and misrepresenting the character, amount and/or legal status of
the alleged debt for the purpose of harassment and coercion as well as failure to provide
verification of the alleged debt. If you are an attorney, it may be deemed as a violation of your
Code of Professional Responsibility and Civil Rule-11.

Please respond and/or rebut the following, point by point and line by line, in affidavit form,
and provide documentary evidence to support your claim.
A valid contract must be evidenced, signed and dated by both parties. Please detail explicitly
who has signed for CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM
SERVICES; Martha Hanson General Counsel and Chief Compliance Officer.. , what positions
they hold and where the signature is evidenced.
Any claims of money alleged to be owed based on an instrument/note/contract, as an operation
of law, are subject to UCC § 3-305, which in part states:
The right to enforce the obligation of a party to pay an instrument is subject to the following:
(1) a defense of the obligor bused on

(i) Infancy of the obligor to the extent It Is a defense to a simple contract,

(ii) duress, lack of legal capacity, or illegally of the transaction which, under other law,
nullifies the obligation of the obligor,
 (iii) fraud that induced the obligor to sign it). instrument with neither knowledge nor
reasonable opportunity to learn of its character or its essential terms, or

(iv) discharge of the obligor in insolvency proceedings;

(v)

I Bessie Dunston lawfully demand to have mailed to me a Certified and Verified Copy of
an executed 2 PARTY SIGNED contract between the “Lender” and myself from the
existing original containing a blue/black ink signature;
7. I demand a Certified and Verified written accounting of the total amount of money, if any, I
have PAID IN, to the said account number (this is Not a request for duplicate statements,
or alleged balance owed or a computer generated or the like payment history), if
applicable;
8. Pursuant, but not limited to. the Uniform Commercial Code § 3-302, 3-305, Fair Credit
Billing Act -15 U.S.C. § 1666(3)(b)(ii), Fair Debt Collection Practices Act - 15 U.S.C. §
1692g, and/or Contract law, I am demanding the “Lender” provided verification and/or
adequate assurance of the alleged debt owed by me by verify and/or assuring that:
a. It is in possession of the promissory note(s)/instrument(s) issued;
b. Valuable consideration was given for the note(s)/Instrument(s);
c. The promissory note(s)/instrument(s) was/were received in good faith;
d. All applicable United States Banking laws and/or Federal Reserve Policies and
Procedures (USBL and/or FRPP) were complied with;
e. All material facts pertinent to the “Loan Process” as required by USBL and/or FRPP
were disclosed to me allowing me to issue and execute promissory
note(s)/instrument(s) to “Lender” of my own free will absent of inducement and/or
coercion and/or fraud by the “Lender”;
f. The “Lender” has NOT altered in any form or fashion the promissory
note(s)/instrument(s) issued;

g. The promissory note(s)/instrument(s) issued was/were NOT used other than as

intended, which was to only be a promise to pay money “loaned”;____The “Lender” did
NOT use the promissory note(s)/instrument(s) issued, without disclosing, as “bank notes”
having “value” (bankable paper). See 31 U.S.C. 5103 and House Joint Resolution (HJR)-
192;
i. The “Lender” did NOT accept money, money-equivalent, capital, funds or anything of
value from issuer of promissory notes in the approximate amount of the “loan” on the
promissory note(s)/instrument(s);
j. CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM
SERVICES; Martha Hanson General Counsel and Chief Compliance Officerdid
 NOT EXCHANGE (as opposed to loan) promissory note(s)/instrument(s) issued for
credit(s)/deposit(s) to a “transaction” account, check or similar entity the “Lender”
established on issuers behalf and then withdrew, or something similar, from the
credit(s)/deposit(s) and gave issuer a “loan”;
k. CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM
SERVICES; Martha Hanson General Counsel and Chief Compliance Officer
accounting/bookkeeping entries under GAAP (Generally Accepted Accounting
Principles) and GAAS (Generally Accepted Auditing Standards) do NOT show an
outstanding liability(s) owed to issuer of promissory note(s)/instrument(s) by CITZENS
BANK” for the “face” amount of the promissory note(s)/instrument(s) I issued to
“CITIZENS BANK”;
l. CITIZENS BANK’ did NOT give a “loan” as “valuable” consideration of the
promissory note(s)/instrument(s) issued, that was/were and/or is no more than, an
electronic and/or accounting/bookkeeping CREATED CREDIT similar, or the same as.
a “credit memo” in banking;
m. If CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM
SERVICES; Martha Hanson General Counsel and Chief Compliance Officer”
used CREATED CREDIT in association with the “loan” alleged to be owed by me, that
such CREATED CREDIT is legal tender in accords with 31 U.S.C. 5103 and HJR-192;
n. I cannot legally repay any money, verified and/or assured by CITIZENS BANK;N.A
MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson
General Counsel and Chief Compliance Officer” to be owed by me, in the same
species of money or money-equivalent used to fund the loan, and/or any of the species
of money recognized and authorized by the Federal Reserve and pursuant to 31 U.S.C.
5103 and HJR-192;

9 I hereby tender offer to pay the full amount alleged to be owed, pursuant to UCC 3-
603, upon verification and/or adequate assurance of the alleged debt (subject to cross-
examination and the penalty of perjury), owed by me, to the best of my abilities, whereas
such would substantiate that CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT
BLAKE;DCM SERVICES; Martha Hanson General Counsel and Chief Compliance
Officer ” has not perpetrated a fraud upon me and is holder in due course of its claims.
Payment shall be deemed refused, and/or no obligation exist, if CITIZENS BANK;N.A
MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson General
Counsel and Chief Compliance Officer does not provide verification and/or adequate
assurance of the alleged debt as herein requested, and any debt allegedly owed by me is
extinguished as on operation of law. “[A]n obligation…. once extinct, it never revives
again.” Ogden v. Saunder, 25 U.S. 213 (1827).__________________________
CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;
Martha Hanson General Counsel and Chief Compliance Officer is being requested to give
proof of claim/verification of the purported debt and status as holder in due course. Such is
apparently required as a matter of due process of law. This is apparent in the U.S. Supreme Court
statement:
“For in this proceeding petitioner is not seeking, nor is respondent denying him, anything
other than the right to prove his claim... The question is simply one of the admissibility and
effect of evidence; and... the obligation to receive in evidence a promissory note or other
admissible evidence of debt.” Morris v. Jones, 329 U.S. 545 (1947) (emphasis added).
Additionally, please refrain from sending me a print-out or copies of statements as
purported verification. Any such act will be subject to legal action for violations of, not
limited to, the FDCPA. See Young v. Hewer & Njus, PA, Dist. Ct. N. Ill (1997).
(Finding that computer printouts are not verification of a debt).

FAILURE to verify and/or adequately assure the alleged debt owed by me within ten (10) days,
as stated above, in accordance with said definitions, will be deemed a dishonor of this
presentment/notice and demand, and that the debt collector and/or their client, has fraudulently
attempted to assert a claim against me, and extort, induce money from me in the present and past,
in which the debt collector and/or their client has and has had no legal right to, via the U.S. Mail.
ADDITIONALLY, any form of collection activity and/or reporting of negative/derogatory
information about said account to “credit reporting agencies” by CITIZENS BANK;N.A
MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson General
Counsel and Chief Compliance Officer and/or their client, and/or their agent/assigns absent of
the debt collector and/or their client providing verification and/or adequate assurance of the
alleged debt owed by me will be deemed as intentionally and willfully defamation and libel of
my good name and character and harassment for the purpose of inducement or coercion of
money from me to which the CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT
BLAKE;DCM SERVICES; Martha Hanson General Counsel and Chief Compliance
Officer has no legal right.
It is further my understanding that because I failed to see through the bank’s carefully
designed illusion and instruct the bank to make the financial adjustments to zero the
account in the set-off, the bank posted their liability/my asset in their Payables Account as
an off balance sheet entry and after a period of time the funds were claimed as abandoned
funds. Were they not?
It is also my understanding that the international accounting system called Basel II and/or
Basel III have been fully implemented; that off balance sheet accounting is unlawful, and
that all banks and lending institutions must be in compliance therewith. Are they not?
Please provide documentary evidence that you are Basel II & III compliant.
UCC 3-104(a) & (c) and UCC 105 (a)(c) makes it clear that I was the Issuer, Drawer,
Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102(12),
(15),(9) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to
 the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement
Orders as concerns this transaction and/or this account. Am I not?
Provide proof of all relevant signatures and your status as Holders in Due Course of this
alleged claim.

Provide Certified and Notarized copies of documents showing that you are or represent a
bona fide creditor in a collection process to include:
a. A notarized copy of certified documents evidencing that you are allowed to
conduct business in the State of NORTH CAROLINA as a collection agency.
b. A notarized copy of the Bond on file with the State of NORTH CAROLINA
allowing your firm to operate as a collection agency.
c. A notarized copy of the assignment letter including production of the signatures and
status showing your firm as holders in due course of the alleged claim.
Provide the statutes and enforcing regulations, both Federal and State, which clearly and
unequivocally make me liable for this alleged debt.
This is a request for proof of contract to substantiate CITIZENS BANK;N.A MEGAN
CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson General Counsel and
Chief Compliance Officer claim. Therefore, provide me a certified copy of an original
contract, with my brothers name signature, specifically naming your company as a person
entitled to enforce a commercial claim against me. Along with the person who signed as
well.

Certification can be done through the presence of a notary public, who duly swears the
copy made is in fact a copy of the original paper contract in question.

Failure or refusal by CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT

BLAKE;DCM SERVICES; Martha Hanson General Counsel and Chief Compliance
Officer to provide the above “ AFFIDAVIT OF TRUTH verification” will constitute your
dishonor and default, also your admission and confession to injury and damage to the party in
respect to your admitted fraud on the contract and/or compelling the party into an
unconscionable contract by your own admission and failure to bring forth “proof of claim” in
support of; clean hands doctrine; full disclosure; good faith dealing; and the FAIR DEBT
COLLECTION PRACTICES ACT as applied to this transaction as referenced above.

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer HAVE FAILED TO
PROVIDE A CERTIFICATE OF ASSESSMENT/The right of subrogation does not exist for
a stranger to the transaction. 73 AmJur 2nd, Section 90 under the Doctrine of Subrogation.
There is no right to substitute someone or some entity that was not on an original contract.
It is not allowed.

Now, this includes attempts to collect based on assignment, sale/purchase, or trade.

Violations of Third Parties Act of 1999/Inducement of Fraud/No Surety Bond/No Certificate of

Authority,Assessment,or Delegation.Mandatory disclosure is required under Title 5 USC 552.
GAAP is required under Title 12 U.S.C. 248 & 347 therefore strict compliance with FAS 125, 133,
140, 5, 95 is required.

Silence is acquiescence. Acquiescence is estoppels.

There is absolutely NO CONTRACT SIGNED BY BOTH PARTIES IN EXISTENCE THAT

BINDS BOTH PARTIES.

A) For Failure to State a “Cause of Action” There is no immunity for anyone when they deal
in commercial paper under the Erie and Clearfield Doctrines, including Federal Rule of
Evidence 902 (9). ALLEGED ACCT#6735 ALLEGED DEBT $3,866,66 is unproven without
AFFIDAVIT OF TRUTHAFFIDAVIT OF ADEQUATE OF ASSURANCE AND
CERTIFICATE OF ASSESSMENT AND IN VIOLATION OF THE THIRD PARTIES
ACT OF 1999.

In order for a Contract to be valid it must contain the following:

(1) Offer, (2) Consideration, (3) Acceptance, (4) With the Signatures of all parties affixed
thereto. If any one of these points are missing from the Contract then it ceases being a Contract
and becomes Fraud with the Intent to Extort Monies from me.

/NO CONTRACT/NO LIABILITY /NO CLAIM

ATTENTION CFO” :REFUSED/REVOKED/REJECTED,NO STANDING

TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT

AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE

AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE.

IN COMMERCE FOR ANY MATTER TO BE RESOLVED MUST BE EXPRESSED

CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES;

Martha Hanson General Counsel and Chief Compliance Officer have issued an incomplete
instrument - UCC 3-115 - based on a defective process with which you are attempting to
induce the above, by Fraud - UCC 3-305 (2) (B) & (C) causing violation of contract by the
above with me. Failure to provide me with the above requisites invalidates the Presentment
you have made – UCC 1-505 (2). CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT
BLAKE;DCM SERVICES; Martha Hanson General Counsel and Chief Compliance
Officer now have ten (10) days to comply, from receipt of this Certified Mail-UCC 1-201
(10). A lack of response on your part means a fault,UCC 1-201 (16), exists creating fraud
through material misrepresentation which vitiates all forms, contracts, agreements, etc.,
expressed or implied, from the beginning, UCC 1-103. now have ten (10) days to comply,
from receipt of this Certified Mail-UCC 1-201 (10). A lack of response on CITIZENS
BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM SERVICES; Martha Hanson
General Counsel and Chief Compliance Officer part means a fault,UCC 1-201 (16), exists
creating fraud through material misrepresentation which vitiates all forms, contracts,
agreements, etc., expressed or implied, from the beginning, UCC 1-103.

UCC 3-415(b) “If an endorsement states that it is made “without recourse” or otherwise disclaims liability of
the endorser, the endorser is not liable under subsection (a) to pay the instrument”.

2. Full disclosure of the alleged debt. (A lawful requirement of any contract).3. Verification of your claim
against me (a hand signed sworn affidavit.).

3. Signatures of the Parties/Meeting of the Minds (corporations cannot sign Because they have no right, or
mind, to contract as they are legal fictions).

4. A copy of a two party contract, signed by two people, showing proof of An agreement between both
parties to conduct business together.

DEFENDANT BESSIE DUNSTON;Signed from “without” the “United States” in

accordance with 28 U.S.C., Sec. 1746(1).All rights are reserved without prejudice, UCC 1-
308. _________________________________________

Sworn to and subscribed before me this the

____________ day of November, 2024.

_____________________________________

(NAME) ___________________________Notary Public

My Commission expires on _____________________________________.

CERTIFICATE OF SERVICE
I certify that a true and exact copy of the foregoing has been served upon
 CITIZENS BANK;N.A MEGAN CORRIGAN;VINCENT BLAKE;DCM
SERVICES; Martha Hanson General Counsel and Chief Compliance Officer
Email [email protected]

Fax#1-612-243-8395

1550 American Blvd E,Suite 200 Bloomington,MN 55425

by proper mailing/hand delivered same on this the _______ day of _______________________,

2024
_______________________
DEFENDANT BESSIE DUNSTON;ALL
RIGHTS RESERVED;WITHOUT RECOURSE