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  • Billing Error-SAMPLE

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    sparkled34
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    Put your bills into a billing error dispute. Send the letter to the Trustee of the Bank via Registered Mail.

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    Put your bills into a billing error dispute. Send the letter to the Trustee of the Bank via Registered Mail.

    Copyright:

    © All Rights Reserved
    Download as ODT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as odt, pdf, or txt
    2K views2 pages

    Billing Error-SAMPLE

    Uploaded by

    sparkled34
    Put your bills into a billing error dispute. Send the letter to the Trustee of the Bank via Registered Mail.

    Copyright:

    © All Rights Reserved
    Download as ODT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as odt, pdf, or txt
    of 2

    Certified Mail: 7021 2720 0000 8516 0000

    01/05/2022

    2nd Notice
    Account # 123 2222 111111 1
    Amount Disputed: Balance of $1,846.07

    DESCRIPTION OF PROBLEM: BILLING ERROR. I would like to put this account into a Billing
    Error Status. My statement is a billing error pursuant to:

    12 CFR § 1026.13
    15 U.S. Code Credit Billing:
    § 1666. Correction of billing errors
    § 1666a. Regulation of credit reports
    § 1666b. Timing of payments
    § 1666c. Prompt and fair crediting of payments
    § 1666d. Treatment of credit balances
    § 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor; credit for
    account of obligor
    § 1666f. Inducements to cardholders by sellers of cash discounts for payments by cash, check or similar
    means; finance charge for sales transactions involving cash discounts
    § 1666g. Tie-in services prohibited for issuance of credit card
    § 1666h. Offset of cardholder’s indebtedness by issuer of credit card with funds deposited with issuer
    by cardholder; remedies of creditors under State law not affected
    § 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card
    transaction; prerequisites; limitation on amount of claims or defenses
    § 1666i–1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances
    § 1666i–2. Additional limits on interest rate increases
    § 1666j. Applicability of State laws

    Remedy:
    #1- I apologize, I have not been in honor in paying my bills because I inadvertently sent you a debt
    note, so please send them back because I did not mean to give you those. I need you to give me an
    open-ended account that settles out at the end of every month, where you can occasionally charge me
    an interest charge per the law. I need you to return all Federal Reserve Notes that I have provided to
    you over the years into the checking account # below within 48 hours.

    #2-The dividend coupon that I receive through the Treasury for securitizing my coupon needs to be
    deposited into my checking account every 4 weeks. Here is the account #:

    Bank: Bank
    Routing # 123456789, Account # 123456.

    #3- Correct negative reporting to all Credit Bureaus. Account to be marked paid as agreed. All late
    payments to be removed.
    Certified Mail: 7021 2720 0000 8516 0000

    JANE SMITH
    123 ANYTOWN
    WARREN, AR 71671
    *Without Recourse.
    __________________________________________________

    Additional Codes that Lowe’s/Synchrony Bank are violating:


    *15 U.S. Code § 44
    *26 CFR § 1.1244(c)-1 – Section 1244 stock defined.
    *26 CFR § 1.561-2 – When dividends are considered paid.
    *31 CFR § 306.18 – Exchanges of coupon securities for registered securities.
    *Securities Exchange Act of 1934
    *Trust Indenture Act of 1939
    *Uniform Consumer Credit Code (1974)
    *Public Law 88-243
    *Uniform Commercial Code 1-308. Performance or Acceptance Under Reservation of Rights.
    *UCC 3-415. Obligation of Indoser
    *18 U.S. Code § 8
    *18 U.S. Code § 1961
    *18 U.S. Code § 1962 (a-b)

    _____________________________________
    CC: Consumer Financial Protection Bureau
    CC: Arkansas Attorney General’s Office
    CC: Better Business Bureau
    CC: Securities Exchange Commission

    CC: Marvin R. Ellison


    Chairman, President and Chief Executive Officer
    1000 Lowes Blvd.,
    Mooresville, North Carolina
    28117
    PH# (704) 758-100

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