XXXX XXXX XXXX has committed gross violations of Title X of of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 1010 ( the Act ) which established the Consumer Financial Protection Bureau ( CFPB ) and any and all referenced regulations and laws endorsed by this Act. The violations include as a minimum the following which are explicitly prohibited by the Act : unfair, deceptive, and/or abusive acts and practices in connection with consumer products and services and various other consumer laws and implementing regulations as endorsed by the Act. The CFPB is requested to initiate legal proceedings against XXXX XXXX XXXX for intentionally, knowingly, and willful violations of the Act. <P/>The following are a few of the acts committed by XXXX XXXX XXXX, and there are others which should be addressed in the prosecution of XXXX XXXX XXXX and this investigation. The consumer will provide these upon request. <P/>1. XXXX XXXX XXXX deceptively, unfairly, and abusively attempted to collect and even reported to the CFPB that merchant service cancellation fees were due when in fact they were previously waived by the merchant, XXXX XXXX. <P/>2. XXXX XXXX XXXX deceptively, unfairly, and abusively attempted to collect charges for XXXX XXXX Equipment which in fact had been previously returned to the Merchant, XXXX XXXX. <P/>3. XXXX XXXX XXXX unfairly and abusively attempted to charge the credit account when in fact the credit account was previously closed and the merchant account was also previously closed. There was no remaining contractual relationship between the consumer, XXXX XXXX XXXX, and XXXX XXXX. These are clearly invalid charges. <P/>4. XXXX XXXX XXXX submitted a letter dated XX/XX/XXXX to CFPB with numerous items, many are meaningless facts with virtually no relevance to the matter at hand and they appear to be an attempt to misrepresent ( deception ) the situation, BUT XXXX XXXX XXXX deceptively ( by omission ) omits numerous phone calls by the credit card holder to them describing the situation, the required action, the prohibited tasks, and numerous other facts related to the dispute. <P/>5. XXXX XXXX XXXX failed to exercise due diligence in investigating the dispute, and as a result they abused the consumer by filing false ( deceptive ) claims against the consumer 's credit records with the Credit Bureaus. XXXX XXXX XXXX committed gross negligence in performing their responsibilities as required by the Act. <P/>6. XXXX XXXX XXXX failed to review ( deception by omission ) the contracts and recognize that the actual contracts were not discernible as to the consumer responsibilities as a result of the way they were presented to consumer, signed by consumer, and executed. This is again a failure to do due diligence by XXXX XXXX XXXX, and fails to meet requirements of the Act. <P/>7. XXXX XXXX XXXX failed to recognize that there was NO CONTRACT or credit agreement open between consumer and XXXX XXXX XXXX at the time the paid XXXX XXXX. XXXX XXXX XXXX had NO contract with XXXX XXXX, and therefore they were not authorized in any way to pay funds on behalf of consumer. This is unfair and abusive per the Act. <P/>8. XXXX XXXX XXXX 's letter dated XX/XX/XXXX was totally inadequate to justify their position and actions regarding payment to XXXX XXXX, reimbursement by consumer, and filing reports to the Credit Reporting Agencies. <P/>SUMMARY : XXXX XXXX XXXX 's actions clearly show they have willfully, knowingly, and intentionally violated Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( the Act ) in this matter. The violations include unfair, deceptive, and/or abusive actions which are explicitly prohibited by the Act. A formal enforcement investigation the CFPB is fully warranted and justified by XXXX XXXX XXXX 's actions. T Consumers should be protected by such illegal behavior, and the full extent of the law and regulations should be used to demonstrate that not only is XXXX XXXX XXXX not allowed to violate the law in this manner with no consequences, but no other credit or banking agencies should be allowed to perform these actions without being held accountable.. <P/>Regards, XXXX XXXX XXXX