Product: Debt collection

Dear American XXXX XXXX ( ACI ) and XXXX, IN RE : XXXX Account under Email Address XXXX This is a formal notice to cease and desist and a formal demand and preservation letter. 

I am hereby disputing the amount of {$5300.00} referred to American Coradius International ( ACXXXX ) for collection by XXXX. 

These items were sold via XXXX, tracking information that matched the buyers address was provided, and XXXX marked such transactions as eligible for Seller Protection. 

American Coradius International ( ACI ) and XXXX is to cease any attempts to collect on this amount and immediately cease from attempting to report such amount to the credit bureaus. 

The negative balance under said XXXX account is to immediately be removed. 

Any action in violation of the demands herein will result in further legal action being taken. 

In accordance with XXXX Seller Protection terms and conditions the negative account balance of {$5300.00} SHALL be removed from the XXXX Account Balance under Email Address XXXX and this collection account must be closed within 5 days because as acknowledged by XXXX Representatives and as included in the documents attached the transactions are marked as unauthorized by the buyer to the buyer 's financial institution and XXXX marked the transactions as eligible for Seller Protection and the representative acknowledges that tracking information was provided that covered the buyers address. 

XXXX Representatives also emails me an acknowledgment was sent via the message center by a XXXX employee that these two disputes were still open and that while they were open this amount did not have to be paid and no collection efforts could take place concerning these amounts anyway, therefore, this amount should have never been referred to collection. 

All screenshots and downloaded provided herein were provided by a XXXX representative and were emailed to me. 

XXXX dispute # XXXX XXXX XXXX by XXXX Seller Protection as an agent has acknowledged it is marked as eligible for such protection and because it was unauthorized and tracking information was uploaded for such that covered the buyers address. This transaction was for {$2100.00}. XXXX and American Coradius International ( ACI ) is more than welcome to confirm this with the buyer 's financial institution. 

XXXX dispute # XXXX was originally filed as unauthorized but was changed to a credit not processed dispute with the buyers bank. It has again been reported an unauthorized. I confirmed this directly with the buyers financial institution. And they stated to me such is currently a fraud claim and that this transaction has once again been flagged as fraudulent and unauthorized therefore making this transaction also eligible for XXXX Seller Protection given it is covered by XXXX XXXX Protection given the original transaction was marked as eligible for XXXX XXXX Protection and it is being reported as unauthorized and was uploaded for such that covered the buyers address. XXXX and American Coradius International is more than welcome to confirm such transaction in the amount of {$3200.00} is currently reported as unauthorized with the buyer 's institution. 

Furthermore I have attached XXXX 's Seller Protection and the terms and conditions of XXXX 's Seller Protection which furthermore states that Seller Protection still applies in instances when a buyer reports such as unauthorized directly to their financial institution and not XXXX. At the time of this matter these were the current terms and conditions of XXXX Seller Protection and such terms and conditions are applicable to this legal matter. 

Attempts to resolve this matter have been ongoing for months and nothing has occurred. And XXXX and American Coradius International ( ACI ) is encouraged to review the attachments provided along with this demand and preservation letter. 

XXXX and American Coradius International ( ACI ) is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal and state laws given XXXX is attempting to hold an individual responsible for an amount of money they do not owe. Furthermore, XXXX 's own Seller Protection covers any reporting of unauthorized transactions that are marked as eligible for Seller Protection and this matter should have never been referred to a collection agency and should never have been a negative balance on the XXXX account under email address XXXX. 

XXXX and American Coradius International ( ACI ) is on formal notice to keep the XXXX account open in the event litigation it commenced in the future and preserve any and all documents, messages, letters, pdfs, recordings, information, collection attempts, and all account information in regards to dispute # XXXX & dispute # XXXX and concerning the XXXX account under email address : XXXX as a whole and collections attempts concerning these XXXX items sold by a XXXX Seller. 

I am unable to attach all communications via message center, however, I encourage XXXX to look at such under the XXXX account. 

In order to amicably resolve this matter and in an attempt to resolve this matter without additional legal action the following is hereby demanded. 

1 ) Confirmation this matter will not be reported to the credit bureaus and all collection attempts will cease immediately. 

2 ) Confirmation XXXX will abide by the Seller Protection terms and conditions and its prior assurances concerning this matter. 

3 ) Confirmation of the removal of the Negative Balance on PayPal.com for the Account under Email Address : XXXX. 

4 ) Confirmation of the closure of the collection account concerning this amount of {$5300.00} with American Coradius International ( ACI ) for XXXX Account under Email Address : XXXX. 

5 ) Payment in the amount of {$1000.00} for violations of the FDCPA at an address to be provided at a later date when requested via email.