When we asked for information regarding the transaction, they refused to provide it. We asked for Validation of the Debt; they refused to provide it. We asked the creditor to please convince us/you that the creditor had not involved you in a crime. They refused to answer; therefore, you stopped making payments because you did not want to participate in a crime. Without meeting their obligations under the Administrative Procedures for a Private Remedy, the creditor starts collection activities. You are counter-claiming and seeking damages for the tort the bank committed against you because you are a victim.