South Dakota Sample Letter for Disputed Balance Notice

• Category: Letters - Nonlegal - Customers
• State: Multi-State
• Control #: US-0159LR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Agency Address] [City, State, ZIP Code] Subject: Disputed Balance Notice — Account No. [Account Number] Dear [Debt Collection Agency Name], I am writing to formally dispute the balance claimed on my account with reference to the aforementioned account number. I received your notification letter on [Date] regarding the outstanding debt; however, after reviewing the details of the account and the provided documents, I have grounds to dispute the accuracy of the balance. Upon thorough examination of my records, I have identified several discrepancies that have led me to believe that the balance being pursued is incorrect. Considering the following points, I kindly request a comprehensive review and rectification of the alleged debt: 1. Verification of the Debt: — I request validation and verification of the debt amount owed, including the original creditor's details and the nature of the debt. — Please provide copies of any contracts or agreements related to this debt. 2. Detailed Account Statement: — I request a detailed statement of account illustrating the breakdown of charges, fees, and interest applied to the balance. — Please ensure the inclusion of any credits or payments made to the account, along with the corresponding dates. 3. Proof of Assignment of Debt: — I request proof that demonstrates your authority to collect this debt and that the debt has been validly assigned or transferred to your agency. 4. Statute of Limitations: — I would like confirmation of the state-specific statute of limitations for this type of debt in South Dakota, as it may have expired. 5. Creditor Dispute: — Given the aforementioned concerns, I expect you to liaise with the original creditor to promptly investigate and resolve this matter. Please provide documented proof of your efforts in doing so. As per the Fair Debt Collection Practices Act (FD CPA), I understand that you should cease all collection activities until you have provided the requested information and resolved my dispute. I also request that no negative reporting is made to any credit bureaus regarding this disputed debt until the matter is resolved, as it could adversely impact my credit score. I expect a written response within 30 days of receiving this letter, addressing each point of dispute and providing the requested documentation. Failure to comply may result in my exercising additional legal remedies available to me. Please note that any further communication regarding this matter should be exclusively in writing, as I value a comprehensive and documented record of our correspondence. Thank you for your immediate attention to this matter. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Agency Address] [City, State, ZIP Code] Subject: Disputed Balance Notice — Account No. [Account Number] Dear [Debt Collection Agency Name], I am writing to formally dispute the balance claimed on my account with reference to the aforementioned account number. I received your notification letter on [Date] regarding the outstanding debt; however, after reviewing the details of the account and the provided documents, I have grounds to dispute the accuracy of the balance. Upon thorough examination of my records, I have identified several discrepancies that have led me to believe that the balance being pursued is incorrect. Considering the following points, I kindly request a comprehensive review and rectification of the alleged debt: 1. Verification of the Debt: — I request validation and verification of the debt amount owed, including the original creditor's details and the nature of the debt. — Please provide copies of any contracts or agreements related to this debt. 2. Detailed Account Statement: — I request a detailed statement of account illustrating the breakdown of charges, fees, and interest applied to the balance. — Please ensure the inclusion of any credits or payments made to the account, along with the corresponding dates. 3. Proof of Assignment of Debt: — I request proof that demonstrates your authority to collect this debt and that the debt has been validly assigned or transferred to your agency. 4. Statute of Limitations: — I would like confirmation of the state-specific statute of limitations for this type of debt in South Dakota, as it may have expired. 5. Creditor Dispute: — Given the aforementioned concerns, I expect you to liaise with the original creditor to promptly investigate and resolve this matter. Please provide documented proof of your efforts in doing so. As per the Fair Debt Collection Practices Act (FD CPA), I understand that you should cease all collection activities until you have provided the requested information and resolved my dispute. I also request that no negative reporting is made to any credit bureaus regarding this disputed debt until the matter is resolved, as it could adversely impact my credit score. I expect a written response within 30 days of receiving this letter, addressing each point of dispute and providing the requested documentation. Failure to comply may result in my exercising additional legal remedies available to me. Please note that any further communication regarding this matter should be exclusively in writing, as I value a comprehensive and documented record of our correspondence. Thank you for your immediate attention to this matter. Sincerely, [Your Name]