Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
b'DateXXXX XXXXVia Certified Mail & Electronic Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXcontactusXXXX \nRe: Formal FCBA Billing Error Follow-Up / Demand for Compliance\nAccount No.: XXXXXXXX File No.: XXXX XXXXNOTICE OF CONTINUING BILLING ERROR  FAILURE TO INVESTIGATE  UNLAWFUL COLLECTION ACTIVITY\n \nDear XXXX Compliance Department,\n \nThis letter serves as a formal follow-up billing error notice and demand for compliance under the Fair Credit Billing Act (FCBA), 15 U.S.C. 1666 et seq., and Regulation Z, regarding the above-referenced revolving credit account.\n \nOn XXXX XXXX XXXX  I provided XXXX written notice disputing the XXXX  charge arising from my purchase of a home security system from Premier Home Protection due to non-functioning equipment, failure of performance, and merchant breach. XXXX  has acknowledged receipt of that dispute.\n \nDespite this, XXXX  has:\n \n Continued collection activity\n Continued assessing past-due status\n Continued threatening and/or furnishing negative credit reporting\n Issued conclusory letters declaring the account valid and enforceable without providing any investigative findings\n \nThese actions violate federal law.\n \n\n\n\nI. THE DISPUTED TRANSACTION CONSTITUTES A BILLING ERROR\n \nPursuant to 15 U.S.C. 1666(b)(3) & (b)(4), a billing error includes:\n \n Goods or services not accepted or not delivered as agreed\n Failure to reflect a credit arising from a dispute\n \nThe security system purchased on XXXX XXXX XXXX has not functioned as promised, and the merchant has failed to cure the defects.\n \nAccordingly, the XXXX  charge and all resulting finance charges constitute a billing error.\n \nII. XXXX  OWN ACCOUNT DISCLOSURES CONFIRM MY RIGHT TO WITHHOLD PAYMENT\n \XXXX  Revolving Credit Account Disclosures state:\n \nIf you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due\n \nI have satisfied every contractual prerequisite.\n \nIII.  XXXX  IS CURRENTLY IN VIOLATION OF THE FCBA\n \nUnder 15 U.S.C. 1666(a) & Regulation Z:\n \nDuring a pending billing-error investigation, a creditor may not:\n \n Treat the disputed amount as delinquent\n Accelerate the account\n Demand payment of the disputed amount\n Furnish adverse credit information relating to the disputed amount\n \XXXX  ongoing collection letters and credit-reporting threats constitute statutory violations.\n \nIV. DEMAND FOR IMMEDIATE STATUTORY COMPLIANCE\n \XXXX  must, within 15 days of receipt of this letter:\n \nProvide written confirmation that the $XXXX  charge and all derivative finance charges are suspended.\n \nProvide a copy of XXXX  actual investigative file, including:\n \nMerchant inquiries\n \nAny documentation relied upon\n \nInternal notes and communications\n \nCease all collection activity on the disputed amount.\n \nRefrain from furnishing any negative credit information regarding the disputed amount.\n \nIf any negative reporting has occurred, issue immediate corrections and deletions to all consumer reporting agencies.\n \nFailure to comply will constitute evidence of willful noncompliance.\n \nV. PRESERVATION OF RIGHTS\n \nNothing in this letter waives any rights or remedies, including claims under:\n \n Fair Credit Billing Act (15 U.S.C. 1666)\n Truth in Lending Act\n Fair Credit Reporting Act (15 U.S.C. 1681s-2)\n Florida Consumer Collection Practices Act\n Florida Deceptive and Unfair Trade Practices Act\n Breach of Contract / Breach of Covenant of Good Faith\n \nVI. NOTICE OF INTENT TO PURSUE REMEDIES\n \nIf XXXX  continues collection or reporting without complying with its statutory obligations, I am prepared to pursue:\n \n Arbitration or civil litigation\n Statutory damages\n Actual damages\n Attorneys fees and costs\n Injunctive relief\n \nThis matter can be resolved by lawful investigation and correction.'

Company response to consumer: Closed with explanation