Sample Letter for Breakdown of Account Arbitrage in Tennessee Subject: Request for Breakdown of Account Arbitrage Date: [Insert Date] [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Credit Collection Agency/Bank Name] [Collection Agency/Bank's Address] [City, State, ZIP Code] Dear [Credit Collection Agency/Bank Name], I hope this letter finds you well. I am writing to request a detailed breakdown of the account arbitrage associated with my [bank account/credit card/loan] in accordance with the Fair Debt Collection Practices Act. I reside in the state of Tennessee, and I believe it is my right as a consumer to obtain this information to ensure the accuracy and validity of the debt. To assist you in locating my account, please find the relevant details below: — Account Holder Name: [Your Full Name— - Account Number: [Account Number] — Account Type: [Checking/Savings/Credit Card/Loan] — Date of Default: [Date of Default] It is crucial for me to fully comprehend the account arbitrage determination, including any penalties, interest charges, or late fees that have been added to the outstanding balance. I kindly request that you provide me with a detailed breakdown that clearly outlines the following information pertaining to my account: 1. Principal Debt: — Original Amount: [Principal Debt Amount] — Date of Origination: [Date of Origination] — Details of the original contract, if applicable. 2. Interest Charges: — Rate of Interest Applied: [Interest Rate] — Calculation Method: [Simple/Compound— - Total Interest Charges Applied: [Total Interest Charges] 3. Penalties and Late Fees: — Date(s) when penalties/late fees were incurred: [Dates] — Detailed breakdown of charges for each occurrence: [Amounts] 4. Miscellaneous Charges: — Any additional charges associated with the account: [Description and Amounts] Please note that under the Fair Debt Collection Practices Act, I have the right to request and receive this information within 30 days of your receipt of this letter. Failure to provide the requested breakdown or any attempt to collect on uncertain or inaccurate charges may result in a dispute of the debt and an official complaint filed with the appropriate legal authorities. I kindly request that you send me the breakdown of account arbitrage at your earliest convenience. Please provide this information in writing via mail or email, as per my preferred mode of communication, within the stipulated time frame. Thank you for your prompt attention to this matter. I trust that we can resolve this account arbitrage amicably and accurately. Please do not hesitate to contact me should you require any additional information. Yours sincerely, [Your Name]