Demand Arbitration For Bank

I’m looking for advice on demanding Arbitration to my bank for violating regulation E & EFTA on handling my disputes

Can I provide you a copy of my demand for payment letter and you give me feedback

I, **** ****, am writing to formally demand payment for disputed transactions under *, *, *, * and *, which I believe have violated Regulation E (* CFR § *) and the Electronic Funds Transfer Act (EFTA) (* U.S.C. * et seq.). Claims were created on April *, *, for transactions occurring between January *, *, and February *, *. Despite my efforts and following the required dispute resolution process mandated under Regulation E (* CFR § *) and the (EFTA) (* U.S.C. * et seq.), the response and handling of my claims have been grossly inadequate and contrary to the protections afforded to me under these regulations for Dispute IDs *, *, *, *, * and * totaling $*, *.*. GENERAL BACKGGROUND On */*, I was only informed of the approval of dispute #* on */* totaling $*,*, after I called. The remaining * disputes were denied on */*. However, the paper I received from Credit Karma, listing all disputes show that half of the transactions were finalized on */*, and the other half on */*. It is worth noting that although Credit Karma dated check #*(final credit of $*) and #*(provisional credit of $*,*) on */*, I was not made aware of these checks until */* and mailed out on */* (Exhibit A1-*). As stated in your explanation, each dispute is investigated by multiple agents, and it is disconcerting to learn that the agent assigned to dispute #* was unaware of the existence of the other five disputes. This oversight raises questions about the thoroughness and effectiveness of your investigation process. How can we have confidence in the accuracy and reliability of your dispute resolution if such a crucial detail was overlooked? The procedural error you admitted to resulted in the acceptance and final credit for dispute #*, while the other five disputes were denied. This inconsistency further supports my position that Credit Karma may have violated Regulation E and (EFTA) in it’s handling of disputes. Regulation E requires financial institutions to promptly investigate and resolve consumer disputes, ensuring fair and consistent treatment for all parties involved. The fact that one dispute was accepted and resolved while the others were denied suggests a lack of adherence to this regulation. Credit Karma cited their records attributing the denied transactions to a device ID number that does not match the device ID associated with hardware registered to my accounts (Exhibit B1- *). Additionally, it is concerning that Credit Karma's denial letter stated that Regulation E "only" covers unauthorized electronic transactions. This statement seems to overlook the broader scope of Regulation E, which also covers other types of errors and disputes (Exhibit C1-*). On */*, Credit Karma admitted to inadvertently approving claim #*, even though they claim no error occurred. This raises doubts about the thoroughness of their assessments. Dispute #* involving a $*.* Experian charge on January *, *, also references contradictory records, Credit Karma deemed the attached email jh2js2jk@gmail.com tied to the charges’ receipt valid to deny claims, yet inconsistently called this same email “unverified” on May *, *, as a reason to withhold documentation. Not to mention this charge was refunded by the merchant (Exhibit D1-*). Additionally, in reference to the three transactions you claim I did not dispute under ATT, Carhartt and Cash app- ATT was an automatic withdrawal, Carhartt issued a refund, and I was not aware of the cash app purchase. Furthermore, records conflict regarding the address and IP location attached with the charge Exhibit E1-*). LEGAL GROUDING These actions by Credit Karma clearly demonstrate a failure to meet the essential elements of Regulation E. Specifically under (§ *.*(c)(*)(ii), I have not been informed within two business days after the provisional crediting, on (§ *.*(c)(*)(iii) the error has not been corrected within one business day after determining that an error occurred, and (§ *.*(c)(*)(iv) the results of the investigation have not been reported to me within three business days after it’s completion. This includes any notices regarding the finalization of a provisional credit. Furthermore, under (§ *.*(d)(*), it is clearly stated that the institution’s report of the investigation results should include a written explanation of the findings and note the customer’s right to request the documents relied on. Upon request, the institution is obligated to promptly provide copies of these documents. Unfortunately, Credit Karma has failed to provide the necessary documents in a timely manner, as required by the institution. In conclusion, I demand immediate payment of the outstanding amount of $*,* under dispute IDs *, *, *, * & * to rectify the financial losses I have suffered. However, I am open to discussing a reasonable settlement arrangement that could avoid unnecessary arbitration. I want to make it clear I am prepared to take further legal action if necessary to ensure that my rights are protected. In arbitration, I intend to seek treble damages and statutory damages in addition to the actual damages. I believe that the circumstances of this case warrant the application of treble damages, which would triple the amount of the actual damages awarded. Additionally, I am seeking statutory damages as provided for by the applicable laws. Pursuant to our client agreement under section *.* “Notice and Issues”, the next step will be to send a “Notice” letter requesting arbitration to resolve this dispute. I expect a prompt response and resolution to this matter within 14 days of receiving this letter by */*/*. Thank you for your attention to this matter. I trust that Credit Karma will take the necessary steps to rectify this situation.

This was the top.. WITHOUT PREJUDICE **** **** * Creekside Green Pl. Round Hill, VA * Credit Karma, LLC P.O. Box * Oakland, CA * Attn: Legal Department May *, * Subject: Demand for Payment Dispute IDs *, *, *, *, * for Breach of Regulation E and Electronic Funds Transfer Act (EFTA) VIA U.S. CERTIFIED MAIL & EMAIL [legal@creditkarma.com] Dear Sir/Madam,

I did. if this ends up going to arbitration, I’m stuck on what damages I should ask for

I can’t afford an attorney that’s why I had to write the letter of myself

Round hill, VA * but it’s with credit karma and they are out in California

What does a breach of contract entail in these situations? And what kind of damages are awarded if the did breach