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CREDIT CARD BILLING ERROR + OMB DOCTRINE
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This serves as a 12 CFR 1026.13 Billing Error Notice.
ERROR ASSERTED:
- Charges not authorized
- Failure to apply payments
- Interest calculated illegally
- Failure to validate merchant transactions
OMB DOCTRINE APPLIED:
Any demand for payment or information without a valid OMB Control Number is unlawful.
You have failed to provide this.
MANDATED REMEDY:
- Freeze account
- Cease collection
- Provide ledger
- Provide lawful validation