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Account information incorrect. When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank of Chicago, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks tran