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Letter Template: Notice of Default - Bank of America

The document is a letter from Brittani-Leigh: Peedin to Bank of America regarding her account ending in #5725. She conditionally accepts their offer upon proof of the debt claim and requests immediate settlement of all outstanding amounts. She also revokes all powers of attorney related to her account and requests removal of any credit reporting violations, including late payments reported when her credit profile had a security freeze in place. She reserves all rights and signs without prejudice.

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710 views3 pages

Letter Template: Notice of Default - Bank of America

The document is a letter from Brittani-Leigh: Peedin to Bank of America regarding her account ending in #5725. She conditionally accepts their offer upon proof of the debt claim and requests immediate settlement of all outstanding amounts. She also revokes all powers of attorney related to her account and requests removal of any credit reporting violations, including late payments reported when her credit profile had a security freeze in place. She reserves all rights and signs without prejudice.

Uploaded by

brittanilpeedin
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
You are on page 1/ 3

December 21, 2023

c/o Brittani-Leigh: Peedin


“without prejudice”
712 S. Howard Ave #245
Tampa, Florida [33606-2455]
Bank of America
BofA Securities Inc.
Attn: Alastair M. Borthwick, CFO
America Corporate Center
100 North Tryon Street
Charlotte, NC 28255

And Affiliate Offices

CONDITIONAL ACCEPTANCE /
NOTICE OF DEFAULT &
OPPORTUNITY TO CURE
Notice to Agent is Notice to Principal
Notice to Principal is Notice to Agent

TO: BANK OF AMERICA AND TRUSTEE (PAYING AGENT) OF BANK OF AMERICA


RE: RESTRICTIVE ENDORSEMENT COUPON NOTE ENCLOSED FOR ACCOUNT #5725

This correspondence is to give notice as dated December ___, 2023, referencing my


Account ending in #5725. In response to your letters requesting payment:

I am entitled to know the authority by which you have contacted me and the details
regarding the alleged debt of which you claim I owe. Therefore, I kindly request that
you, under penalty of perjury pursuant to the laws of the United States of
America, affirm the validity of this debt within 72 hours or information herein shall
become contract by law.

In good faith, I have tendered $6,500.00 to be credited to my account (by Accounts


Receivable) accompanied by proper endorsement and restrictive wording. Payment
was sent via certified mail and accepted with signature on December 12, 2023
(tracking: 9589071052700560444402). However, this payment has not been applied.
Should the determination be to decline this security, it would have required rejection
within 3 days from receipt of the presentment pursuant to the Truth and Lending
Act. As it was not returned, it is considered as accepted.

Should my “method of payment” be denied for any reason, I defer to UCC 1-308
UCC3-603 UCC3-306 UCC3-311 18USC-8 31USC-5103 31USC-3123
HJR 192 12USC-411; and also the terms of our credit agreement.
Page 1 of 3
The Credit Agreement states (pg. 10):
BOA CREDIT CARD AGREEMEN : OTHER PAYMENT TERMS:
We can accept late payments, partial payments, or payments with any restrictive writing without losing our rights under this
Agreement. This means that no payment, including those marked paid in full or with any other restrictive words, shall operate
as an accord and satisfaction without the prior written approval of one of our senior officers.

Billing Errors
Further, my submission of Billing Errors and Request for Debt Validation remains
unaddressed, sent via certified mail and accepted with signature on November 3,
2023 (tracking: 9589071052700560440688).

In addition, delinquencies were reported that did not adhere to the safeguard under my
Consumer Rights. The Fair Credit Reporting Act emphasizes my right to privacy,
which has been violated as late payments are considered private “transactions”. Title
15, 6802(b)(c), mandates that 3 things must occur prior to the disclosure of
information to non-affiliated third-parties; of which, two of the requirements were not
met:

Title 15, 6802(b)(c) -


(b) the consumer is given the opportunity, before the time that such
information is initially disclosed, to direct that such information not be
disclosed to such third party; and
(c) the consumer is given an explanation of how the consumer can exercise
that nondisclosure option.

I request the swift removal of any comments that violate our rules and kindly ask for
written confirmation upon completion. I'm aware of at least 3 late payments that were
reported, but there may be more or other events that did not comply as stipulated in
the law above.

When you requested information from TransUnion, my credit profile already had an
active Security Freeze in place, in addition to a Fraud Alert constraint, and I will be
seeking damages from TransUnion related to this violation. It’s important to note that
you claimed this information was the reason for your closing my account.

Conclusion
Altogether:
I conditionally accept your offer upon the proof of your claim.

I formally request the immediate settlement of all outstanding amounts and hereby
revoke, cancel, and render void ab initio all powers of attorney, whether in fact,
presumption, or otherwise, signed by myself or any other party claiming to act on my
behalf. This revocation pertains to any quasi/colorable, public, governmental entities
or corporations, based on grounds of constructive fraud, concealment, and
nondisclosure of pertinent facts.
Page 2 of 3
I have affixed my non-negotiable autograph below, expressly reserving all of my
unalienable rights. Please be advised of my specific common law right not to be
bound by any contract or obligation that I have not entered into knowingly, willingly,
voluntarily, and without misrepresentation, duress, or coercion.

Date executed: ______________All rights and remedies reserved. Without prejudice.

As my word is my bond:
Duly tendered in honor,
By: Brittani-Leigh: Peedin, a Living Woman
Without the UNITED STATES

by: ______________________________ Seal

- NOTARY -

NOTARY CERTIFICATION

Subscribed and sworn to before me on: ________________________ (Date)


Notary Name (print): ____________________________________(Date)

Notary Signature: __________________________________


Notary Public for the State of ________________
My Commission Expires: ______________________________

Page 3 of 3

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