Bank-issued alleged credit card is NOT a debt. You are a victim, a fraud victim perpetrated by the bank.

The bank (BankUSA) gave you a "Gift Card" disguised as a "Credit Card." The gift, no different than the toasters or wall clocks your mother received to open a new account. No different when the bank says, "Deposit $25 today, keep it here for 90 days, and we will match it." You used your "Gift Card" and the bank sent you a statement. That is not a bill. The bank deceived you into thinking it was a bill. You wrote a check from your local bank to BankUSA. That was the first time BankUSA ever counted your money. BankUSA put $ into your free checking account associated with that "Gift Card." Now the only way you access to your own money is by using your BankUSA "Debit Card" disguised as a "Credit Card." You have no debt. Every subsequent purchase has been paid with your own money.

See my book, "Forgive and Forget How to Nuke Your Credit Card Debt" on Amazon.

Google "Tommy A. Kilpatrick" and I have done over 130 podcasts in the past six months.

Argue my facts are in error.

They are not.

Argue my logic is in error.
Show me the step by step is wrong.
They are not.

Argue my conclusion that you are crime victim and the bank is the bankster.

Solution:
1. Get a copy of your credit report. If the bank lists "Credit Card". You have the evidence of a crime.
2. Report the crime to 5 state and federal authorities. Keep copies.
3. Send a letter to the bank requesting to close your free checking account associated with this bank-issued alleged credit card.
4. Report to the credit reporting agencies as "CLOSED BY CONSUMER IN GOOD STANDING".
5. Send a draft counter lawsuit and discovery to the Registered Agent of BankUSA.
6. Wait 45 days. Check your credit report. If you are satisfied, then you are done.
7. You will receive a response from the state and federal agencies with an unsigned/unnamed letter from BankUSA stating: 1. You applied for a credit card. 2. You were given [GIVEN] a credit card. 3. You used the card per the Terms and Conditions. 4. You received statements. 5. You make payments. 6. You stopped making payments. 7 You owe $______.
8. You respond back to the agency showing an unsigned/unnamed letter is null and void. There was no response. Silence, when you must speak up, is in agreement. BankUSA never provided: 1) outstanding unpaid invoice, 2) notarized signed promissory note, 3) an Affidavit of Debt from BankUSA. Request a letter stating the facts: 1. I have no debt, no invoice-no debt; 2. No loan. No Promissory Note-no obligation; 3. Fraud undoes all contracts-I have no agreement with BankUSA; 4. No one from BankUSA is willing to testify, swear under penalty of perjury that I have a debt/loan.
9. If the bank refuses, then send a letter to the credit reporting agencies with a copy of the five complaints of bank fraud. By law the CRA must remove that error from your credit report.
10. Score improves. Funny enough, the bank will send you a new “credit card”!