After watching a couple of the videos regarding garbage time, including the most recent one posted a day or so ago, I am seeking clarification on sending the FCBA letter when the time comes.
Most of the notices I am getting are from collection companies (both debt-buyers and collectors on behalf of original creditors) stating I owe X amount in total but are not itemized with individual transactions charged to the card. The letter template asks for a specific 'merchant/charge description' and a date that is was posted and goes onto to state a reason why the charge is incorrect. I am outside of 60 days since any charges have been put on any of my cards by me, other than the issuer adding late fees/interest, and I do not believe any of the merchant-level charges to be incorrect.
Is the FCBA letter sent even if the letter from the collector states an amount different than what they put into the lawsuit, assuming I can get a copy of the lawsuit before it is officially served?