Update To CFPB Complaint Re Amazon - Com, Synchrony Bank and Focus Camera

The Honorable Richard Cordray, Director
Consumer Financial Protection Bureau

1700 G Street, NW
Washington, DC 20002
December 21, 2015
Re: Letter December 17, 2015 - Amazon.com, Synchrony Bank and Focus Camera
Dear Hon. Director Cordray:
This is an update to my letter December 17, 2015, and some additional information.
Equifax notified me by email Saturday December 19, 2015 at 8:03 AM that Equifax
completed my dispute for Confirmation Number 5331033875 which appears at Exhibit 33
together with two pages of my credit file. Also included is an Equifax screen shot for Online
Dispute. The credit file is copied below in relevant portion, and shown in full at Exhibit 33.
I do not understand the foregoing because I do not owe $1,081 to Amazon / Synchrony Bank.
My balance should be ZERO ($0.00). I got a phone call/message from 866-771-1104 caller ID
Not Provided on Saturday, December 19, 2015 at 8:13 AM. I called the number, it was
Synchrony Bank but the person could not explain why Synchrony Bank called me.
Today I visited Equifax at www.equifax.com/CreditReportAssistance and called Equifax us at
866-349-5186 to no avail, no assistance was provided. The phone number was to a non-human.

Consumer Finance Protection Bureau
December 21, 2015

Page - 2
Today I called a Equifax Customer Representative at (888) 425-7961 to no avail or assistance.

The person I spoke with could not explain what the forgoing meant, they just read from it.
Equifax notified me by email Saturday December 19, 2015 at 10:12 AM that Equifax
received my dispute, Equifax Confirmation Number: 5353011954, and appears at Exhibit 34.
The dispute is copied below in relevant portion, and shown in full at Exhibit 34.
I also provided to Equifax online my Complaint to Consumer Financial Protection Bureau

December 17, 2015 with the exhibits.
Prior account # 6045-7810-4375-9728 Amazon / Synchrony Bank
Previously I had an account with Amazon / Synchrony Bank with a $400 credit limit, account
# 6045-7810-4375-9728. I voluntarily closed this account and it is paid in full.
On November 13, 2014 I made a written dispute to Amazon about a fraudulent $25 late fee
wrongly applied November 10, 2015 to my account. See enclosed separately Exhibit 35, my
letter to Amazon CEO Jeff Bezos to the Seattle, WA corporate office, 20 pages. The fraudulent
$25 late fee was removed. I paid off the account in full.
Disability retaliation
The fraudulent $25 late fee appears in retaliation to my request for a disability accommodation
made November 4, 2014 (Exhibit 35). Below is the text of my disability accommodation request:

December 21, 2015

Page - 3
DECLARATION OF NEIL J. GILLESPIE

Pursuant to 28 U.S.C. 1746, and Fla. Stat. 92.525, I hereby declare as follows:
1. I am Neil J. Gillespie, holder of Amazon.com account number 6045-7810-4375-9728.
2. Enclosed is my $35 account payment AMSCOT money order, and payment coupon.
3. I mailed the $35 payment and this letter today November 4, 2014 by first class mail to:
SYNCHRONY BANK/AMAZON
PO BOX 960013
ORLANDO, FL 32896-0013
4. I am a disabled adult as defined by,
a. The Rehabilitation Act of 1973, 29 U.S.C. 701 et. seq.
b. Section 825.101(4), Florida Statutes.
c. The Americans with Disabilities Act (ADA), 42 U.S.C. 12101 et seq.
d. ADA Amendments Act of 2008 (ADAAA).
5. I do not have a bank account or checking account because I cannot manage one.
6. Previously I requested to pay my account by debit card as a disability accommodation.
7. Previously I requested a physical mailing address to make payments instead of a Post
Office Box. My shipper United Parcel Service (UPS) cannot deliver to a Post Office Box.
8. Synchrony Bank/Amazon did not provide the requested disability accommodation.
9. Instead Synchrony Bank/Amazon sent me a letter October 17, 2014 that falsely implied I
was not able to pay the account because ...unforeseen circumstances can occur that may make it
difficult for customers to make payments.... No, that is not correct. I requested a disability
accommodation that Synchrony Bank/Amazon/Jeff Bezos jeff@amazon.com failed to provide.
10. I expect to pay off my outstanding balance of $223.10 soon as agreed. Then I will pursue
all legal options against Jeff Bezos jeff@amazon.com/Synchrony Bank/Amazon.
Pursuant to Fla. Stat. 92.525, under penalties of perjury, I declare that I have read the foregoing
Declaration and that the facts stated in it are true, or to the best of my knowledge and belief.
Pursuant to 28 U.S.C. 1746(2), I declare under penalty of perjury that the foregoing is true and
correct. Executed on this 4th day of November, 2014.
Signed, Neil J. Gillespie, 8092 SW 115th Loop, Ocala, Florida 34481

December 21, 2015

Page - 4
No compliance with federal disability law

Credit providers like Amazon / Synchrony Bank do not comply with federal disability law
relative to their account holders, and the following
a. The Americans with Disabilities Act (ADA), 42 U.S.C. 12101 et seq.
b. ADA Amendments Act of 2008 (ADAAA).
For recipients of federal funds, in addition to the ADA:
c. The Rehabilitation Act of 1973, 29 U.S.C. 701 et. seq.
d. Section 504 of the Rehabilitation Act.
e. Section 508 of the Rehabilitation Act.
The typeface and fonts on documents used by credit providers are difficult or impossible to read
as provided. Only an attorney is competent to read and understand the content of documents used
by credit providers, or to know what corrective action to take when consumer rights are violated.
Calling credit providers by telephone is futile when its employees lower the call volume and the
parties cannot be heard; or engage in other fraudulent antics; or the phone number is to a nonhuman. Callers to credit providers are often greeted by a wall of useless telephone prompts.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Ocala, Florida 34481
Tel. 352-854-7807
Email: neilgillespie@mfi.net
Service List December 21, 2015

1700 G Street, NW
VIA UPS No. 1Z64589FP190339784

1275 First Street, NE
VIA UPS No. 1Z64589FP191373379

P.O. Box 4503
Iowa City, Iowa 52244
VIA US Postal Service No. 9405503699300225940739

Jeff Bezos, Chairman & CEO, et al.
AMAZON.COM.DEDC, LLC, d.b.a. Amazon.com
A Delaware Corporation
410 Terry Avenue North
Seattle, WA 98109
VIA Email: jeff@amazon.com
Synchrony Bank
170 Election Road, Suite 125
Draper, Utah 84020
VIA UPS No. 1Z64589FP292808593
Robert Niblock, Chairman & CEO
Lowes Home Centers, LLC
1605 Curtis Bridge Road
Wilkesboro, NC 28697
VIA Email: robert.a.niblock@lowes.com
Robert Niblock, Chairman & CEO
Lowe's Companies, Inc.
1000 Lowes Blvd.
Mooresville, NC 28117-8520
VIA Email: robert.a.niblock@lowes.com
David P. Abney, President, Director
United Parcel Service, Inc. (UPS)
55 Glenlake Parkway, NE
Atlanta, GA 30328
VIA Email: customer.service@ups.com
SWAROVSKI OPTIK North America LTD
2 Slater Road
Cranston, RI 02920
Phone: 800-426-3089
Fax: 877-287-8517
VIA Email: info@swarovskioptik.us
Focus Camera, Inc.
VIA Email: cs@focuscamera.com
905 McDonald Avenue
VIA Email: csfocusamazon@focuscamera.com
Brooklyn, NY 11218
VIA Email: info@focuscamera.com
Ernest Berkowitz, President
Abe Berkowitz, Vice President
http://www.focuscamera.com/
Tel. 718-437-8800
December 21, 2015

Page - 5
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
"Equifax" <updates@notify.equifax.com>
<neilgillespie@mfi.net>
Saturday, December 19, 2015 8:03 AM
Equifax Confirmation Number: 5331033875 - Dispute Received
Your Equifax dispute has been completed.

View this email online.
Dear Neil Gillespie,

Equifax has completed your dispute for Confirmation
Number 5331033875.
View Now!
You may view the results of your dispute online.*
To view the status of your dispute, you will need your
dispute Confirmation Number:
5331033875
You have 30 days remaining to access the results of
your dispute from our website; you may not be able to
obtain your results online if you do not access before
01/17/2016.
Thank you for giving Equifax the opportunity to
serve you!
*If you are unable to follow the link above, please copy and paste the following link in your browser:
https://www.ai.equifax.com/CreditInvestigation.
Equifax Information Services, LLC
Please DO NOT REPLY to this email as it is system generated and will not be read.
33
12/19/2015
EQUIFAX
Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have
additional questions regarding the reinvestigated items, please contact the source of that information directly. You
may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days
by visiting us at www.investigate.equifax.com or by calling a Customer Representative at (888) 4257961 from 9:00am
to 5:00pm MondayFriday in your time zone.
P. O. Box 105518
Atlanta, GA 30348
Dear Neil Joseph Gillespie:
0021053407134
Neil Joseph Gillespie
8092 SW 115th Loop
Ocala, FL 344813567
CREDIT FILE : December 17, 2015

Confirmation # 5331033875
For an added convenience, use one of the below options to start an investigation or check the status of your dispute.
Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be
submitted to one or more companies whose information are the subject of your dispute.
Visit us at www.equifax.com/CreditReportAssistance or Call us at 8663495186.
Thank you for giving Equifax the opportunity to serve you.
The Results Of Our Reinvestigation
Credit Account Information
(For your security, the last 4 digits of account number(s) have been replaced by *)
(This section includes open and closed accounts reported by credit grantors)
Account History
Status Code
Descriptions
1 : 3059 Days Past Due

5
6
G
H
: 150179 Days Past Due

: 180 or More Days Past Due
: Collection Account
: Foreclosure
J : Voluntary Surrender
K : Repossession
L : Charge Off
>>> We have researched the credit account. Account # 604578107731* The results are: The balance of this
item has been updated. Additional information has been provided from the original source regarding this item. If you
have additional questions about this item please contact: Syncb/Amazon Plcc, PO Box 965036, Orlando FL
328965036 Phone: (866) 3968254
Syncb/Amazon Plcc
PO Box 965036 Orlando FL 328965036 : (866) 3968254
Account Number
Date Opened
604578107731*
10/01/2015 $1,081
Items As of
Date Reported
Balance
Amount
Amount
Past Due
High Credit
Date of
Last Paymnt
Credit Limit
Terms Duration
$1,500
Actual
Paymnt Amount
Terms Frequency
Months Revd
Monthly
Scheduled
Paymnt Amount
Date of 1st
Delinquency
Date of
Last Activity
Activity Designator
Creditor Classification
1
Date Maj.
Del. 1st Rptd
Charge Off
Amount
Deferred Pay Balloon Pay

Start Date
Amount
Balloon
Pay Date
Date
Closed
$0
10/2015
11/2015
$0
$0
$0
$36
12/17/2015 $1,081
Status Pays As Agreed; Type of Account Revolving; Type of Loan Charge Account; Whose Account Individual Account; ADDITIONAL INFORMATION Account Closed At
Consumers Request; Charge;
( Continued On Next Page )
Page 1 of 2
5331033875APPLADM002105340 7134 16927
Notice to Consumers
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the
furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or completeness of the information;
the statement should be brief and may be limited to not more than one hundred words (two hundred words for Maine residents) explaining the nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding paragraph, you have the right to
request that we send your revised credit file to any company specifically designated by you that received your credit report in the past six months (twelve months for
California, Colorado, Maryland, New Jersey and New York residents) for any purpose or in the past two years for employment purposes.
( End Of Report )
Page 2 of 2
5331033875APPLADM002105340 7134 16927
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
"Equifax" <updates@notify.equifax.com>
<neilgillespie@mfi.net>
Saturday, December 19, 2015 10:12 AM
Equifax Confirmation Number: 5353011954 - Dispute Received
Thanks for submitting your Equifax dispute.

View this email online.
Dear Neil Gillespie,

We have received your request to dispute
information contained in your Equifax credit file;
we've started processing your dispute and will
continue to keep you posted on the status of your
dispute by sending periodic email notifications.
Track Anytime!
You may view the results of your dispute online.*
To view the status of your dispute, you will need
your dispute Confirmation Number:
5353011954
Thank you for giving Equifax the opportunity
to serve you!
*If you are unable to follow the link above, please copy and paste the following link in your browser:
https://www.ai.equifax.com/CreditInvestigation.
Equifax Information Services, LLC
Please DO NOT REPLY to this email as it is system generated and will not be read.
34
12/19/2015
https://www.ai.equifax.com/CreditInvestigation/pretyPrintSubmitedDispute.action
Print this page
Details for Confirmation #: 5353011954

Date of Dispute :
December 19, 2015 Name : NEIL GILLESPIE
Time of Dispute :
09:03 AM EST
Your Confirmation #:
5353011954
SSN :
Address : 8092 SW 115TH LOOP

OCALA, FL, 34481
160-52-5117
Next Steps
Please note your Dispute Confirmation Number printed at the top of this page. It will be required to
check the status of your dispute.
Your dispute verification process may take up to 30 days and we will keep you informed via email on
the status of your dispute.
Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the
documents may be submitted to one or more companies which are subject to your dispute.
Dispute Summary
Type
Name/Account Details
Reason
Account
SYNCB/AMAZON
PLCC/604578104375XXXX
Fraudulent charges were made on my

account.
VIA UPS No. 1Z64589F1399594341

Jeff Bezos, Chairman & CEO
A Delaware Corporation
Seattle, WA 98109
Telephone: (206) 266-1000
Email: jeff@amazon.com
November 13, 2014

Stephanie Burns, Manager
John Felton, Manager
David H. Clark, Manager
AMAZON.COM.DEDC, LLC
Seattle, WA 98109
RE: NOTICE OF DISPUTE, Amazon.com Account No. 6045-7810-4375-9728

Mr. Bezos, Ms Burns, and Messrs. Felton and Clark:
This is a follow-up to my email today to Mr. Bezos, copy enclosed.
1.
LEGAL NOTICE: Remove a wrongly charged $25 late fee November 10, 2014 on my
Amazon.com Account No. 6045-7810-4375-9728, previously closed at my request.
2.
Provide a payoff amount for this account so I can make a final payment.
3.
Correct inaccurate information Amazon.com provided to the credit bureaus about me.
Today I called Amazon.com at 1-866-634-8379 and learned Amazon.com received and

processed my payment of $35 on November 7, 2014, three days prior to the due date.
However Amazon.com, with malice aforethought, wrongly charged a $25 late fee to my account,
see the enclosed PDF. My payment of $35 was timely made November 4, 2014, see the enclosed
PDF. I already notified Amazon.com by chat communication, see the enclosed PDF.
Unfortunately Amazon.com failed to provide the disability accommodation requested, so it looks
like Amazon has violated federal disability law, in addition to the Fair Credit Reporting Act.
On information and belief AMAZON.COM.DEDC, LLC., d.b.a. Amazon.com, is a Delaware
Corporation authorized to transact business in Florida. Exhibit 1 and Exhibit 2.
The 2014 Foreign Limited Liability Company Annual Report (Exhibit 3) shows,
Entity Name: AMAZON.COM.DEDC, LLC

Stephanie Burns, Manager
John Felton, Manager
David H. Clark, Manager
Current Principal Place of Business:

410 TERRY AVENUE NORTH
SEATTLE, WA 98109
35
Jeff Bezos, Chairman & CEO

Stephanie Burns, John Felton, David H. Clark, Managers
VIA UPS No. 1Z64589F1399594341
Current Mailing Address:

SEATTLE, WA 98109
FEI Number: 91-2071079 (Federal Employer Identification Number)
Name and Address of Current Registered Agent:

CORPORATION SERVICE COMPANY
1201 HAYS STREET
TALLAHASSEE, FL 32301-2525 US
November 13, 2014

Page - 2
Conclusion. I do not understand why Amazon.com has violated the law regarding me and my
account, but I will to consider all legal options against Amazon.com. For now I want to correct
the misinformation on my account and to the credit bureau/rating agencies, and make a final
payment to Amazon.com, to rid myself forever of the vile enterprise known as Amazon.com.
FAIL NOT AT YOUR PERIL.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Telephone: 352-854-7807
Enclosures
Page 1 of 1
Neil Gillespie
From:
To:
Cc:
Sent:
Attach:
Subject:
"Neil Gillespie" <neilgillespie@mfi.net>

"Jeff Bezos" <jeff@amazon.com>
Thursday, November 13, 2014 12:36 PM
Amazon $35 payment and declaration of NJG, Nov-04-2014.pdf; Amazon screen shot Nov-13-2014
chat session.pdf; Amazon wrong LATE FEE $35 Nov-10-2014.pdf
Amazon Account No. 6045-7810-4375-9728 $25
Jeff Bezos, jeff@amazon.com

Chairman & CEO
Amazon.com
RE: Amazon Account No. 6045-7810-4375-9728

Mr. Bezos:
$25
Today I learned Amazon.com wrongly charged a $35 late fee to my account, see the attached PDF. My
payment of $35 was timely made November 4, 2014, see the attached PDF. I already notified
Amazon.com by chat, see the attached PDF.
Unfortunately Amazon.com failed to provide the disability accommodation requested, so it looks like
Amazon has violated federal disability law, in addition to the Fair Credit Reporting Act.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Telephone: 352-854-7807
11/13/2014
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Attach:
Subject:

Thursday, November 13, 2014 12:40 PM
ATT00088.txt
Read: Amazon Account No. 6045-7810-4375-9728
This is a receipt for the mail you sent to

"Jeff Bezos" <jeff@amazon.com> at 11/13/2014 12:36 PM
This receipt verifies that the message has been displayed on the recipient's computer at 11/13/2014
12:40 PM
11/13/2014
file:///C|/Documents%20and%20Settings/Owner/My%20Documents/bills/0%20AMAZON%20Corporate/assembly%2011-13-14/ATT00092.txt
Final-Recipient: rfc822;neilgillespie@mfi.net
Original-Message-ID: <508F982DFF7F4D74951182D1B2460D31@owner35a3a1404>
Disposition: manual-action/MDN-sent-manually; displayed
file:///C|/Documents%20and%20Settings/Owner/My%20Doc...0AMAZON%20Corporate/assembly%2011-13-14/ATT00092.txt [11/13/2014 2:24:51 PM]
https://www.onlinecreditcenter6.com/consumergen2/consumerlogin.do
Statements
Account Summary
Payments
Offers
Account Services
Manage Profile
Account Summary
Welcome Neil Gillespie
Current Balance* :
Minimum Payment Due :
Your last successful login was

10/18/2014 8:49 PM
Payment Due Date :
Account ending in 9728

352-854-7807
neilgillespie@mfi.net
Update
$248.10
$25.00 Make a Payment
11/10/2014
Available Credit* :
$0.00
Total Credit Limit :
$400.00
Last Payment :
Make payments online

quickly, safely, and securely
$35.00
Last Payment Posted :
10/04/2014
Last Statement Date :
10/17/2014
Last Statement Balance :
View Online
Payment History
$223.10 View Statement
This account is closed at your request.
Recent Activity** since 10/17/2014
View Prior Activity
View Statement
TRANSACTION DATE POSTING DATE

11/10/2014
11/10/2014
View your Amazon.com orders

DESCRIPTION
LATE FEE
PRINT
AMOUNT
$25.00
* Totals may not reflect most recent transactions

** Recent activity may not reflect all pending fees and charges
2014 Synchrony Bank
Internet Privacy Policy
| Privacy Policy |
Website Usage Agreement
Fraud Protection
Contact Us
DECLARATION OF NEIL J. GILLESPIE

Pursuant to 28 U.S.C. 1746, and Fla. Stat. 92.525, I hereby declare as follows:
1.
I am Neil J. Gillespie, holder of Amazon.com account number 6045-7810-4375-9728.
2.
Enclosed is my $35 account payment AMSCOT money order, and payment coupon.
3.
I mailed the $35 payment and this letter today November 4, 2014 by first class mail to:
SYNCHRONY BANK/AMAZON
PO BOX 960013
4.
I am a disabled adult as defined by,

a.
b.
c.
d.
The Rehabilitation Act of 1973, 29 U.S.C. 701 et. seq.

Section 825.101(4), Florida Statutes.
The Americans with Disabilities Act (ADA), 42 U.S.C. 12101 et seq.
ADA Amendments Act of 2008 (ADAAA).
5.
I do not have a bank account or checking account because I cannot manage one.
6.
Previously I requested to pay my account by debit card as a disability accommodation.
7.
Previously I requested a physical mailing address to make payments instead of a Post

Office Box. My shipper United Parcel Service (UPS) cannot deliver to a Post Office Box.
8.
Synchrony Bank/Amazon did not provide the requested disability accommodation.
9.
Instead Synchrony Bank/Amazon sent me a letter October 17, 2014 that falsely implied I
was not able to pay the account because ...unforeseen circumstances can occur that may make it
difficult for customers to make payments.... No, that is not correct. I requested a disability
accommodation that Synchrony Bank/Amazon/Jeff Bezos jeff@amazon.com failed to provide.
10.
I expect to pay off my outstanding balance of $223.10 soon as agreed. Then I will pursue
all legal options against Jeff Bezos jeff@amazon.com/Synchrony Bank/Amazon.
Pursuant to Fla. Stat. 92.525, under penalties of perjury, I declare that I have read the foregoing
Declaration and that the facts stated in it are true, or to the best of my knowledge and belief.
Pursuant to 28 U.S.C. 1746(2), I declare under penalty of perjury that the foregoing is true and
correct. Executed on this 4th day of November, 2014.
Neil J. Gillespie (signature)

8092 SW 115th Loop
31
AMSCOT
CORPORATION
P.O. BOX 25137

TAMPA. FL
33622-5137
....
,.
.J9!i)f".,.
... ,.,..
: :.: ...,.,0~30290; *THIRNbr~ftJF~fMO~~~A~~{ ,t!iANrg~~b~~~ED DOLLARS ($1500):::.'
Pl!y~~le ~oUgli~6First
'>t"""", .
. ..
....
. ..
Al'V1ScaT, CORPORATION
PURCHASER AND PAYEE ARE suBJecT TO TH'fsERVICE6HARG"E" AND OTHER TERMS ON THE REVERSE SIDE
.:. ..
....
NEIL J GILLESPIE
Account Number xxxx xxxx xxxx 9728
Summary of Account Activity
Visit us at www.syncbank.com/amazon
Customer Service: 1-866-634-8379
Payment Information
Previous Balance
$255.48
- Payments
$35.00
+ Interest Charges
$2.62
New Balance
$223.10
Credit Limit
Available Credit
$400.00
$0.00
Statement Closing Date

Days in Billing Cycle
10/17/2014
30
New Balance
$223.10
Total Minimum Payment Due

Payment Due Date
$25.00
11/10/2014
Late Payment Warning: If we do not receive your minimum

payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the minimum

payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
If you make no
additional charges
using this card
and each month
you pay ...
Only the minimum
payment
You will pay off

the balance
shown on this
statement in
about ...
11 months
If you would like information about

services, call 1-877-302-8775.
And you will end

up paying an
estimated total
of ...
$271.00
credit counseling
Promotion Expiration Notification

YOU HAVE A DEFERRED INTEREST PROMOTION(S) EXPIRING ON 11/17/14. YOU MUST PAY EACH DEFERRED
INTEREST PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING ACCRUED INTEREST
CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER
DETAILS.
Promotional Purchase Summary

The applicable terms of your promotional purchases are below. DEFERRED INTEREST: To avoid paying Accrued Interest
Charges on any DEFERRED INTEREST promotion(s), you must pay at least your minimum payment due, if any, each month
and the entire applicable Current Balance by the Expiration Date. NO INTEREST promotions are not assessed interest charges
during the promotional period. FIXED PAYMENT PLAN: Fixed equal payments and reduced interest rate will apply to
promotional purchase until the Current Balance (which also includes related interest) is paid in full. For each promotional
purchase, standard account terms will apply to any remaining balance after the Expiration Date. To make more than one
payment, you can pay online at the online address stated above or you can mail in your payment to the address on the remit
stub. This address is also available from our automated customer service system.
Purchase Date
Purchase Amount/Special Terms
04/11/2014
$15.39/DEFERRED INTEREST WITH

PAYMENT
PAYMENT
PAYMENT
PAYMENT
04/11/2014
04/14/2014
05/09/2014
Accrued
Interest Charges
Current Balance
Expiration Date
$1.45
$10.13
11/17/2014
$7.55
$42.50
11/17/2014
$6.02
$41.37
11/17/2014
$1.72
$11.78
11/17/2014
PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE.

NOTICE: We may convert your payment into an electronic debit. See Statement Disclosures link below for details, Billing Rights
Information and other important information.
Total Minimum
Payment Due
Payment
Due Date
$25.00
11/10/2014
Save a stamp, pay on-line at

www.syncbank.com/amazon
72803
1043759
000604578
000250000022310
00025000003500
NEIL J GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481-3567
Account Number: xxxx xxxx xxxx 9728

Promotional
New Balance
Payoff
$105.78
$223.10
Make Payment to: SYNCHRONY BANK/AMAZON

PO BOX 960013
SYNCHRONY BANK
P.O. Box 965013
Orlando, FL 32896-5013
Z75Z4
HI09
10/17/2014
NEIL J GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481-3567
111111111111111111111111111111111111111111111111111111I111 1111 111

Account Number Ending In: 9728
Dear NEIL J GILLESPIE,

We are contacting you regarding the Amazon.com Store Card account referenced above.
In response to your recent correspondence regarding your account, SYNCHRONY BANK understands that
unforeseen circumstances can occur that may make it difficult for customers to make payments and we want
to work with you directly in order to resolve your personal situation.
We have programs to help you through any financial difficulties you may be experiencing. In order to
determine if you may be eligible for one of the following options, you must call and speak with one of our
Customer Care Specialists.
Ct
Ct
Ct
Ct
CREDIT ON ASSESSED INTEREST CHARGES: You may qualify to receive a monthly credit for interest
charges assessed on your account during the program.
LOWER MONTHLY PAYMENTS: You may qualify for a lower monthly payment.
SETTLEMENTS: You may qualify for the opportunity to make a settlement offer on your account for less than
your current balance.
Ct
I
Ct
CONSUMER CREDIT COUNSELING SERVICES: Your local CCCS is one of 800 counseling centers
nationwide. CCCS is chartered as a non-profit community service paid for by companies like us. CALL
1-800-388-2227 for the nearest CCCS office.
Call us today, and give us the opportunity to work with you on a mutually agreeable solution. This program
may be changed at any time, so don't delay.
Sincerely,
SYNCHRONY BANK
1-866-771-1104
This is an attempt to collect a debt and any information obtained will be used for that purpose.
Account is owned by SYNCHRONY BANK
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Foreign Limited Liability Company

AMAZON.COM.DEDC, LLC
Filing Information
Document Number
FEI/EIN Number
Date Filed
State
Status
M13000003979
912071079
06/21/2013
DE
ACTIVE
Principal Address
SEATTLE, WA 98109
Mailing Address
SEATTLE, WA 98109
Registered Agent Name & Address
1201 HAYS STREET
TALLAHASSEE, FL 32301-2525
Authorized Person(s) Detail
Name & Address
Title MGR
BURNS, STEPHANIE
SEATTLE, WA 98109
Title MGR
CLARK, DAVID H
SEATTLE, WA 98109
Title MGR
Copyright and Privacy Policies
State of Florida, Department of State
http://search.sunbiz.org/Inquiry/CorporationSearch/SearchResultDetail/EntityName/forl-m13000003979-03d9d746-75d9-442d-a429-a59118657fe4/a...

SEATTLE, WA 98109
Annual Reports
Report Year
2014
Filed Date
04/07/2014
Document Images
04/07/2014 -- ANNUAL REPORT
View image in PDF format
06/21/2013 -- Foreign Limited
View image in PDF format
2014 FOREIGN LIMITED LIABILITY COMPANY ANNUAL REPORT
FILED
Apr 07, 2014
Secretary of State
CC2204446712
DOCUMENT# M13000003979
Entity Name: AMAZON.COM.DEDC, LLC
Current Principal Place of Business:
SEATTLE, WA 98109
Current Mailing Address:

SEATTLE, WA 98109
FEI Number: 91-2071079
Certificate of Status Desired: No
Name and Address of Current Registered Agent:

1201 HAYS STREET
TALLAHASSEE, FL 32301-2525 US
The above named entity submits this statement for the purpose of changing its registered office or registered agent, or both, in the State of Florida.
SIGNATURE:
Date
Electronic Signature of Registered Agent
Authorized Person(s) Detail :

Title
MGR
Title
MGR
Name
BURNS, STEPHANIE
Name
CLARK, DAVID H
Address
Address
City-State-Zip:
SEATTLE WA 98109
City-State-Zip:
SEATTLE WA 98109
Title
MGR
Name
FELTON, JOHN
Address
City-State-Zip:
SEATTLE WA 98109
I hereby certify that the information indicated on this report or supplemental report is true and accurate and that my electronic signature shall have the same legal effect as if made under
oath; that I am a managing member or manager of the limited liability company or the receiver or trustee empowered to execute this report as required by Chapter 605, Florida Statutes; and
that my name appears above, or on an attachment with all other like empowered.
SIGNATURE: STEPHANIE BURNS

Electronic Signature of Signing Authorized Person(s) Detail
MANAGER
04/07/2014
Date

Update To CFPB Complaint Re Amazon - Com, Synchrony Bank and Focus Camera

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Update To CFPB Complaint Re Amazon - Com, Synchrony Bank and Focus Camera

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The Honorable Richard Cordray, Director

Consumer Financial Protection Bureau

December 21, 2015

The Honorable Richard Cordray, Director

December 21, 2015

Today I called a Equifax Customer Representative at (888) 425-7961 to no avail or assistance.

I also provided to Equifax online my Complaint to Consumer Financial Protection Bureau

The Honorable Richard Cordray, Director

December 21, 2015

DECLARATION OF NEIL J. GILLESPIE

The Honorable Richard Cordray, Director

December 21, 2015

No compliance with federal disability law

The Honorable Richard Cordray, Director

The Honorable Richard Cordray, Director

The Honorable Richard Cordray, Director

The Honorable Richard Cordray, Director

December 21, 2015

Your Equifax dispute has been completed.

Dear Neil Gillespie,

Dear Neil Joseph Gillespie:

CREDIT FILE : December 17, 2015

1 : 3059 Days Past Due

: 150179 Days Past Due

PO Box 965036 Orlando FL 328965036 : (866) 3968254

Deferred Pay Balloon Pay

( Continued On Next Page )

5331033875APPLADM002105340 7134 16927

5331033875APPLADM002105340 7134 16927

Thanks for submitting your Equifax dispute.

Dear Neil Gillespie,

Print this page

Details for Confirmation #: 5353011954

December 19, 2015 Name : NEIL GILLESPIE

Address : 8092 SW 115TH LOOP

Fraudulent charges were made on my

VIA UPS No. 1Z64589F1399594341

November 13, 2014

RE: NOTICE OF DISPUTE, Amazon.com Account No. 6045-7810-4375-9728

Today I called Amazon.com at 1-866-634-8379 and learned Amazon.com received and

Entity Name: AMAZON.COM.DEDC, LLC

Current Principal Place of Business:

Jeff Bezos, Chairman & CEO

Current Mailing Address:

FEI Number: 91-2071079 (Federal Employer Identification Number)

Name and Address of Current Registered Agent:

November 13, 2014

"Neil Gillespie" <neilgillespie@mfi.net>

Jeff Bezos, jeff@amazon.com

RE: Amazon Account No. 6045-7810-4375-9728

"Neil Gillespie" <neilgillespie@mfi.net>

This is a receipt for the mail you sent to

file:///C|/Documents%20and%20Settings/Owner/My%20Doc...0AMAZON%20Corporate/assembly%2011-13-14/ATT00092.txt [11/13/2014 2:24:51 PM]

Welcome Neil Gillespie

Your last successful login was

Payment Due Date :

Account ending in 9728

Total Credit Limit :

Make payments online

Last Payment Posted :

Last Statement Date :

Last Statement Balance :

$223.10 View Statement

: :.: ...,.,0~30290; *THIRNbr~ftJF~fMO~A{ ,t!iANrgb~ED DOLLARS ($1500):::.'