Letter To Stefanie Isser Goldblatt, CFPB Senior Litigation Counsel Dec-23-2015

Stefanie Isser Goldblatt, Senior Litigation Counsel
Enforcement at Consumer Financial Protection Bureau

VIA Email: Stefanie.Goldblatt@cfpb.gov
1700 G Street, NW
Washington, DC 20002
December 23, 2015
Re: Letter December 17, 2015 - Amazon.com, Synchrony Bank and Focus Camera
Dear Ms. Goldblatt:
My name is Neil J. Gillespie. I am a non-lawyer, a consumer of personal, family and household
goods and services, consumer transactions in interstate commerce, and a person with disabilities.
Apparently I am not successful communicating with the Consumer Financial Protection Bureau.
If this attempt fails, I will request a disability accommodation to facilitate communication.
Please find attached the following PDF documents:
Complaint to CFPB Director Richard Cordray re Experian Nov-28-2015 3p
VIA UPS No. 1Z64589FP297594841
Complaint to CFPB Director Richard Cordray re TransUnion LLC Nov-28-2015 4p
VIA UPS No. 1Z64589FP299362856
Complaint to CFPB Director Richard Cordray re Amazon, Synchrony Bank, and Focus Camera 23p
CFPB Complaint APPENDIX of EXHIBITS, No. 1 - No. 32 57p
December 17, 2015 VIA UPS No. 1Z64589FNW90659658
December 17, 2015 VIA UPS No. 1Z64589FNW90648446
December 17, 2015 VIA US Postal Service No. 9405503699300219788644
Note: The U.S. Postal Service returned item No. 9405503699300219788644 claiming it did not
have sufficient postage for Express Mail. (Enclosed) However the item was not sent by Express
Mail, and the prepaid USPS Label clearly states Priority Mail 3-Day Click N Ship. Previously
the post office told me to use any postal service shipping material, which is governed by the
postage applied, not the designation on the envelope. The item has been re-mailed VIA US
Postal Service No. 9405503699300225940739
Update Dec-21-2015 to CFPB letter re Amazon, Synchrony Bank, and Focus Camera 31p
December 21, 2015 VIA UPS No. 1Z64589FP190339784
December 21, 2015 VIA UPS No. 1Z64589FP191373379
December 21, 2015 VIA US Postal Service No. 9405503699300225940739
Email composite December 23, 2015 Raghavender Sandan for Amazon.com 5p

Enforcement at Consumer Finance Protection Bureau
December 23, 2015

Page - 2
Regarding email contact today December 23, 2015 from Raghavender Sandan for Amazon.com/
Jeff Bezos, unless Mr. Sandan is an attorney representing one or more of the parties, his contact
is rejected out-of-hand. See attached my response to Raghavender Sandan.
Thank you in advance for the courtesy of a response.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Ocala, Florida 34481
Tel. 352-854-7807
Email: neilgillespie@mfi.net
Service List December 23, 2015
The Honorable Richard Cordray, Director, c/o

Consumer Financial Protection Bureau, c/o
CFPB Office of Civil Rights CFPB_EEO@cfpb.gov
CFPB Section 504 of the Rehabilitation Act CFPB_504Request@cfpb.gov
CFPB Accessibility CFPB_Accessibility@cfpb.gov
CFPB OIG OIGHotline@frb.gov
CFPB Ombudsman CFPBOmbudsman@cfpb.gov
CFPB Consumer Advisory Board CAB@cfpb.gov
CFPB Academic Research Council ARC@cfpb.gov
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

Enforcement at Consumer Finance Protection Bureau
Synchrony Bank
170 Election Road, Suite 125
Draper, Utah 84020
VIA Email: Margaret.Keane@synchronybank.com
Robert Niblock, Chairman & CEO
Lowes Home Centers, LLC
1605 Curtis Bridge Road
Wilkesboro, NC 28697
VIA Email: robert.a.niblock@lowes.com
Lowe's Companies, Inc.
1000 Lowes Blvd.
Mooresville, NC 28117-8520
David P. Abney, President, Director
United Parcel Service, Inc. (UPS)
55 Glenlake Parkway, NE
Atlanta, GA 30328
VIA Email: customer.service@ups.com
VIA Email: David.Abney@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 VIA Email: MGreenfeld@focuscamera.com
Abe Berkowitz, Vice President
http://www.focuscamera.com/
Tel. 718-437-8800
December 23, 2015

Page - 3
VIA UPS No. 1Z64589FP297594841
November 28, 2015
The Honorable Richard Cordray, Director

Consumer Finance Protection Bureau
1700 G Street, NW
Cc: Experian, 475 Anton Blvd., Costa Mesa, CA

Cc: Experian, 955 American Lane, Schaumburg, IL
Cc: Annual Credit Report Request Service
Dear Hon. Director Cordray:

On November 27, 2015 Experian refused to provide my annual credit report online, and provided
the enclosed notice that states:
A condition exists that prevents Experian from being able to accept your request at this
time. To obtain your Experian annual credit report, please mail your request to the
address below using the Annual Credit Report Request form.
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
It appears Experian is not registered with the Florida Department of State, Division of
Corporations, as required by law. Experian is regulated by the Fair Credit Reporting Act
(FCRA). The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003,
amended the FCRA to require the credit reporting companies to provide consumers with one free
copy of their credit report per 12-month period. The Experian website provided two addresses:
Experian
475 Anton Blvd.
Costa Mesa, CA 92626
Experian
955 American Lane
Schaumburg, IL 60173
Wikipedia shows Experian plc is a global information services group with operations in 40
countries, with corporate headquarters in Dublin, Republic of Ireland...
https://en.wikipedia.org/wiki/Experian
Equifax provided my annual credit report online, after quickly resolving a password issue, see
enclosed the Equifax email. Experian has refused to correct the issue blocking my online access.
I request Experian provide my annual credit report online immediately. Due to my disability,
Experians mailed credit report is a burden; it is time consuming to scan a paper report to PDF
files; and it is onerous to send by US Mail disputes in paper, with costly postage, and receive
paper responses by US Mail, all of which must be scanned to PDF files. Experians response is
an unlawful denial of my annual credit report online, and disability discrimination. Thank you.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807
Enclosures
https://www.annualcreditreport.com/requestReport/processCRA.action
A condition exists that prevents Experian from being able to accept your request at this time.
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Get your next report or finish >
11/27/2015 3:10 AM
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
<Member.Benefits@equifax.com>
<neilgillespie@mfi.net>
Friday, November 27, 2015 9:42 PM
Equifax Personal Solutions Login Help
You are receiving this e-mail because your Equifax Personal Solutions password has been changed.
Your user ID is neilgillespie@mfi.net. IF YOU DID NOT INITIATE THIS TRANSACTION, PLEASE
CALL Equifax Customer Care Team.
Please call us at 1-866-640-CARE (1-866-640-2273), 7 days a week between the hours of 8:00am 3:00am Eastern Time Zone. You may e-mail us anytime at customer.care@equifax.com. Or you may
write us at Equifax Consumer Services, Inc. PO Box 105496, Atlanta, GA 30348.
Use the link below to login. Your user ID and password are case sensitive, so be sure to enter them
exactly as you created them.
http://myservices.equifax.com/login
As always, thank you for your business. We look forward to assisting you.
Your Equifax Customer Care Team.
11/27/2015
VIA UPS No. 1Z64589FP299362856

1700 G Street, NW
November 28, 2015

Cc: TRANS UNION LLC
Cc: THE PRENTICE-HALL CORPORATION
SYSTEM, INC.

On November 27, 2015 TransUnion LLC refused to provide my annual credit report online, and
provided the enclosed notice that states:
We are unable to complete your request.
What happened:
We are unable to confirm your identity with the information provided.
What to do:
To request your Free Annual Credit Report by phone, please call (877) 322-8228.
Alternately, to request your Free Annual Credit Report by mail, return to
annualcreditreport.com to download the request form.
TransUnion LLC is registered with the Florida Department of State, Division of Corporations,
see enclosed the annual report. TransUnion LLC is regulated by the Fair Credit Reporting Act
(FCRA). The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003,
amended the FCRA to require the credit reporting companies to provide consumers with one free
copy of their credit report per 12-month period. The annual report provided two addresses:
TRANS UNION LLC
555 WEST ADAMS STREET
CHICAGO, IL 60661
THE PRENTICE-HALL CORPORATION SYSTEM, INC.

1201 HAYS STREET
TALLAHASSEE, FL 32301 US
Equifax provided my annual credit report online, after quickly resolving a password issue, see
enclosed the Equifax email. TransUnion has refused to correct the issue blocking my online
access. The phone number provided to get a report by phone, (877) 322-8228 is just an endless
stream of commercial offers, including ALORICA, INC. 412-650-3799 for Direct TV.
I request TransUnion LLC provide my annual credit report online immediately. Due to my
disability, TransUnions mailed credit report is a burden; it is time consuming to scan a paper
report to PDF files; and it is onerous to send by US Mail disputes in paper, with costly postage,
and receive paper responses by US Mail, all of which must be scanned to PDF files. The
response by TransUnion is an unlawful denial of my annual credit report online. TransUnion
failed to accommodate disability in violation of ADA and Rehabilitation Act. Thank you.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807
Enclosures
https://annualcreditreport.transunion.com/sos/common/identityFailedFA.jsp?cb=FA
Repeat these steps

for each credit report
Welcome, Neil Gillespie Help
Unable to Confirm Identity
We are unable to complete your request.

What happened:
We are unable to confirm your identity with the information provided.
What to do:
To request your Free Annual Credit Report by phone, please call (877) 322-8228.
Alternately, to request your Free Annual Credit Report by mail, return to annualcreditreport.com to download the request
form.
2015 TRANSUNION LLC. ALL RIGHTS RESERVED.
TRANSUNION.COM
PRIVACY POLICY
TERMS OF USE
11/27/2015 3:13 AM
2015 FOREIGN LIMITED LIABILITY COMPANY ANNUAL REPORT
FILED
Mar 03, 2015
Secretary of State
CC7694729697
DOCUMENT# M99000000477
Entity Name: TRANS UNION LLC
Current Principal Place of Business:
CHICAGO, IL 60661
Current Mailing Address:

CHICAGO, IL 60661
FEI Number: 36-4262739
Certificate of Status Desired: No
Name and Address of Current Registered Agent:

THE PRENTICE-HALL CORPORATION SYSTEM, INC.
1201 HAYS STREET
TALLAHASSEE, FL 32301 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
PRES
Title
VP
Name
PECK, JAMES M
Name
BLENKE, JOHN WVP
Address
Address
City-State-Zip:
CHICAGO IL 60661
City-State-Zip:
CHICAGO IL 60661
Title
CFO
Name
HAMOOD, S. ALLEN CFO
Address
City-State-Zip:
CHICAGO IL 60661
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: JOHN W BLENKE

Electronic Signature of Signing Authorized Person(s) Detail
VP
03/03/2015
Date
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
<Member.Benefits@equifax.com>
Equifax Personal Solutions Login Help
You are receiving this e-mail because your Equifax Personal Solutions password has been changed.
Your user ID is neilgillespie@mfi.net. IF YOU DID NOT INITIATE THIS TRANSACTION, PLEASE
CALL Equifax Customer Care Team.
Please call us at 1-866-640-CARE (1-866-640-2273), 7 days a week between the hours of 8:00am 3:00am Eastern Time Zone. You may e-mail us anytime at customer.care@equifax.com. Or you may
write us at Equifax Consumer Services, Inc. PO Box 105496, Atlanta, GA 30348.
Use the link below to login. Your user ID and password are case sensitive, so be sure to enter them
exactly as you created them.
http://myservices.equifax.com/login
As always, thank you for your business. We look forward to assisting you.
Your Equifax Customer Care Team.
11/27/2015
https://tools.usps.com/go/TrackConfirmAction?qtc_tLabels1=9405503699300219788644
Customer Service
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Tracking Number: 9405503699300219788644
Updated Delivery Day: Monday, December 21, 2015
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DATE & TIME
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December 21, 2015 , 5:07

pm
Delivered, In/At Mailbox
OCALA, FL 34481
Your item was delivered in or at the mailbox at 5:07 pm on December 21, 2015 in OCALA, FL 34481.
December 21, 2015 , 10:17

am
Arrived at Post Office
OCALA, FL 34474
December 21, 2015 , 5:00

am
Departed USPS Facility
GAINESVILLE, FL 32608
December 21, 2015 , 2:00

am
Arrived at USPS Origin

Facility
GAINESVILLE, FL 32608
December 20, 2015 , 11:18

pm
JACKSONVILLE, FL 32203
December 20, 2015 , 9:48

pm
Arrived at USPS Origin

Facility
December 19, 2015 , 7:10

pm
Arrived at USPS Destination

Facility
CEDAR RAPIDS, IA 52404
December 19, 2015 , 9:44

am
Refused
IOWA CITY, IA 52244
December 19, 2015 , 9:42

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IOWA CITY, IA 52240
December 19, 2015 , 9:37

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December 19, 2015 , 7:23

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December 18, 2015 , 6:57

pm
Departed Post Office
OCALA, FL 34478
December 18, 2015 , 4:04

pm
Acceptance
OCALA, FL 34478
https://tools.usps.com/go/TrackConfirmAction?qtc_tLabels1=9405503699300219788644
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December 18, 2015
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Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
<USPS_Shipping_Services@usps.com>
Thursday, December 17, 2015 5:16 AM
USPS - Click-N-Ship(R) Payment Confirmation
Sign in | Shipping History
| Manage Your Mail
| Customer Service
USPS-Click-N-Ship Payment Confirmation

Thanks for shipping with us, NEIL GILLESPIE!
Additional information regarding your label(s) can be found in your Shipping History. From your Shipping History you can
Ship Again, track your package, or request a refund.
Click-N-Ship Payment Details

Acct #: 53003279
Transaction Number: 358988115
Transaction Date/Time: 12/17/2015 04:15 AM CST
Transaction Amount: $5.25
Payment Method: MC-3742
Priority Mail 3-Day
Legal Flat Rate Envelope
9405 5036 9930 0219 7886 44 (Sequence Number 1 of 1)
Scheduled Delivery Date: 12/21/2015
Shipped to:
CONSUMER FINANCE PROTECTION
BUREAU
PO BOX 4503
THE HONORABLE RICHARD CORDRAY,
DIRECTO
IOWA CITY IA 52244-4503
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12/19/2015
Expected Delivery Date: 12/21/15
Carrier -- Leave if No Response
0006
B050
SHIP
TO: CONSUMER FINANCE PROTECTION BUREAU
PO BOX 4503
THE HONORABLE RICHARD CORDRAY, DIRECTO
USPS TRACKING #
9405 5036 9930 0219 7886 44
Electronic Rate Approved #038555749

Priority Mail Postage:
Total
CONSUMER FINANCE PROTECTION BUREAU

PO BOX 4503
THE HONORABLE RICHARD CORDRAY, DIRECTO
$5.25
$5.25
* Commercial Base Pricing Priority Mail rates apply. There is no fee for USPS
Tracking service on Priority Mail service with use of this electronic rate shipping
label. Refunds for unused postage paid labels can be requested online 30 days from
the print date.
To:
12/21/2015
358988115
12/17/2015
12/17/2015
NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481-3567
Trans. #:
Print Date:
Ship Date:
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PRIORITY MAIL 3-DAY
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NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481-3567
062S0000000313
3. Adhere your label to the package. A self-adhesive label

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Page 1 of 2
Neil Gillespie
From:
To:
Sent:
Subject:
"Neil Gillespie" <neilgillespie@mfi.net>

<ecr1-replies+A1OLWKGONS42FY@amazon.com>; "Neil Gillespie" <neilgillespie@mfi.net>
Wednesday, December 23, 2015 2:25 PM
Re: Your Letter to Amazon.com
To: Raghavender Sandan

"from Amazon.com"
Amazon.com <ecr1-replies@amazon.com>
If you are an attorney who represents Amazon.com, Amazon CEO Jeff Bezos, Focus Camera, or
Synchrony Bank, provide your bar credentials to practice law, showing the state where you are admitted
to practice, your bar number, the name and address of your law firm.
Otherwise, provide this response in its entirety to the attorney who represents Amazon.com, Amazon
CEO Jeff Bezos, Focus Camera, or Synchrony Bank. And do not contact me again. Your email address,
ecr1-replies@amazon.com, has been added to my blocked sender list.
Neil J. Gillespie
8092 SW 115th Loop
----- Original Message ----From: Amazon.com
To: Neil J Gillespie
Sent: Wednesday, December 23, 2015 5:49 AM
Subject: Your Letter to Amazon.com
Your Account
Amazon.com
Message From Customer Service

Dear Neil,
I'm Raghavender Sandan from Amazon.com. Jeff Bezos received your Letter and asked me to respond on his
behalf.
Thanks for taking the time to write in regarding your concerns with the Amazon Store Card and Amazons
relationship with Synchrony Bank.
Regardless of the reason we choose to partner with Synchrony Bank, or any other bank, we hope that our
customers receive the same level of customer service theyve come to expect from Amazon.com, and Im sorry to
learn this hasnt been the case. Ill be sure to share your experience with the appropriate team for their
consideration while planning future improvements.
Since your card was issued by Synchrony Bank themselves, Amazon doesnt have access to the transactions
made specifically with them and, any late fees, penalties or additional charges incurred can only be removed by
them. In this case, youll need to contact Synchrony Bank directly for any further questions or issues related to this
matter.
12/23/2015
Page 2 of 2
You can reach out Synchrony Bank's Amazon Store Card Customer Service at 1-866-634-8379 (24 hours a day, 7
days a week). If you don't have your card number, just say "I don't have it" or something similar to reach an agent.
Thank you for contacting Amazon.com.
Best regards,
Raghavender S.
Thank you.
Amazon.com
12/23/2015
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Attach:
Subject:

Wednesday, December 23, 2015 2:26 PM
ATT00045.txt
Read: Your Letter to Amazon.com
This is a receipt for the mail you sent to

<ecr1-replies+A1OLWKGONS42FY@amazon.com>; "Neil Gillespie" <neilgillespie@mfi.net> at
12/23/2015 2:25 PM
This receipt verifies that the message has been displayed on the recipient's computer at 12/23/2015 2:26
PM
12/23/2015
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
"Amazon.com" <ecr1-replies@amazon.com>
"Neil J Gillespie" <neilgillespie@mfi.net>
Wednesday, December 23, 2015 5:49 AM
Your Letter to Amazon.com
Your Account
Amazon.com

Dear Neil,
I'm Raghavender Sandan from Amazon.com. Jeff Bezos received your Letter and asked me to respond on his
behalf.
Thanks for taking the time to write in regarding your concerns with the Amazon Store Card and Amazons
relationship with Synchrony Bank.
Regardless of the reason we choose to partner with Synchrony Bank, or any other bank, we hope that our
customers receive the same level of customer service theyve come to expect from Amazon.com, and Im sorry to
learn this hasnt been the case. Ill be sure to share your experience with the appropriate team for their
consideration while planning future improvements.
Since your card was issued by Synchrony Bank themselves, Amazon doesnt have access to the transactions
made specifically with them and, any late fees, penalties or additional charges incurred can only be removed by
them. In this case, youll need to contact Synchrony Bank directly for any further questions or issues related to
this matter.
You can reach out Synchrony Bank's Amazon Store Card Customer Service at 1-866-634-8379 (24 hours a day,
7 days a week). If you don't have your card number, just say "I don't have it" or something similar to reach an
agent.
Thank you for contacting Amazon.com.
Best regards,
Raghavender S.
Thank you.
Amazon.com
12/23/2015
http://www.yatedo.com/p/Saran+Raghavendra/normal/3785b6770147ff369eae239378324862
Offers & Services
General Summary
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Professional Experience
2010
Saran Raghavendra
Senior Customer Service Associate - Amazon Development center
Hyderabad, Andhra Pradesh
N/A
Amazon.com (go )
Take control of my profile
Educational Background
Place of birth
Vijayawada, India
Locality
Hyderabad, Andhra Pradesh
Gender
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N/A - 2001
sri kakatiya high school. vijayawada

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Prasad V Potluri Siddhartha Institute of Technology
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Help

Consumer Financial Protection Bureau
1700 G Street, NW
December 17, 2015
DISPUTE: Amazon.com/ Synchrony Bank acct. # 6045781077313509 (closed) for

Neil J. Gillespie, wrongly demands payment Nov-28-2015 for balance $1,056.94.
DISPUTE: Amazon.com order # 112-6608819-8161000 (canceled/shipper return),
fraud partner: Focus Camera, 905 McDonald Avenue, Brooklyn, NY 11218
DISPUTE: Lowes / Synchrony Bank acct. # 819 2610 6350825 for Neil J. Gillespie,
two (2) Amazon.com gift cards for $100 each charged; $200 total charged to Lowes.

My name is Neil J. Gillespie. I am a non-lawyer, a consumer of personal, family and household
goods and services, consumer transactions in interstate commerce, and a person with disabilities.
On November 27, 2015 I checked my Equifax credit report and found a $1,056.00 balance for
my closed Amazon.com (Amazon) / Synchrony Bank acct. # 6045781077313509. Balance
should be zero ($0.00) so I made a dispute, Equifax confirmation # 5331033875. Exhibit 1
Email from Amazon / Synchrony Bank acct. # 6045781077313509 (Exhibit 2) demanded a $25
payment by Nov-28-2015 on a balance of $1,056.94 for order # 112-6608819-8161000 that was
canceled. The email is dated Nov-06-2015, but I only found it Nov-28-2015 since I rarely
checked that Email after I closed my accounts with Amazon / Synchrony Bank. The order was
for a Swarovski CL Companion 8x30 Africa Binocular 58133, price $1,124.10. Exhibit 3.
Amazon and Focus Camera knowingly defrauded me, aided by Synchrony Bank, by shipping the
binoculars 9 hours after I canceled, and failing to credit my account when UPS returned the
binoculars to Amazon / Focus Camera after I refused to accept the delivery. Amazon / Focus
Camera has possession of the binoculars, yet Amazon / Synchrony Bank continue to demand
payment from me of $1,056.94. Amazon also has my (2) $100 Amazon gift card funds. I am
receiving regular telephone collection calls from 866-771-1104, caller ID Not Provided.
I believe the Consumer Financial Protection Bureau has jurisdiction under authority of the DoddFrank Act (Pub.L. 111203), 12 U.S.C. Chapter 53, Title X, the Consumer Financial Protection
Act of 2010, and the Commerce Clause (art.1, sec.8, cl.3) to enforce U.S. laws including,
Truth in Lending Act, 15 USC 1601 et seq. (TILA)

The Fair Credit Reporting Act, 15 U.S.C. 1681 (FCRA)
The Fair Debt Collection Practices Act , 15 U.S.C. 1692 1692p (FDCPA)
Section 5(a) of the FTC Act which provides that "unfair or deceptive acts or practices
in or affecting commerce...are...declared unlawful." (15 U.S.C. Sec. 45(a)(1)).
Sherman Antitrust Act, 15 U.S.C. 1-7; Clayton Antitrust Act 15 U.S.C. 12-27
Racketeer Influenced and Corrupt Organizations Act, 18 U.S.C 1961-68 (RICO)

December 17, 2015

Page - 2
I am not able to access my statement from Synchrony Bank for account # 6045781077313509
because I cannot log in with the email for this account, dissolvetfb@gmail.com (Exhibit 4).
Tracking records of United Parcel Service (UPS) for # 1ZA86T961313801760 show an
exception (Exhibit 5) at 10/20/2015 at 1:28 P.M. The receiver does not want the product and
refused the delivery. UPS return shipping records (Exhibit 6) show for the Alternate Tracking
Number 1ZA86T961213801762 The receiver does not want the product and refused the
delivery and The package will be returned to the sender at 10/20/2015 6:56 P.M.
The receiver does not want the product and refused the delivery.
The package will be returned to the sender.
Alternate Tracking Number
1ZA86T961213801762
10/20/2015 6:56 P.M.
RETURNED/DELIVERED records of UPS (Exhibit 7) for # 1ZA86T961213801762 show:
Delivered On: Friday, 10/23/2015 at 12:00 P.M.; Left At: DOCK; Signed By: TIM DALEY
(Activity) Delivered (Date) 10/23/15 (local time) 12.00 P.M. (Location) LAS VEGAS, NV, US
1ZA86T961313801760
UPS - PROOF OF DELIVERY (Exhibit 8) for # 1ZA86T961213801762 show proof of delivery
at the Dock, October 23, 2015 at 12:00 PM in Las Vegas, NV, signed for by Tim Dailey.
Dear Customer,
This notice serves as proof of delivery for the shipment listed below.
Tracking Number:
1ZA86T961213801762
Alternate Tracking Number:
1ZA86T961313801760
Service:
UPS 3 DAY SELECT
Delivered On:
10/23/2015 12:00 P.M.
Delivered To:
LAS VEGAS, NV, US
Signed By:
TIM DAILEY
Left At:
DOCK
I canceled Amazon order # 112-6608819-8161000 (Exhibit 9) by email on October 19, 2015 at
10:52 AM through my Amazon account and my online name occupant.
Here is a copy of the e-mail that you sent to Focus Camera.
Order ID 112-6608819-8161000:
1 of Swarovski CL Companion 8x30 Africa Binocular 58133 [ASIN: B00NI3YQDS]
------------- Begin message ------------Please cancel. Thank you.
------------- End message -------------

December 17, 2015

Page - 3
UPS records for # 1ZA86T961313801760 (Exhibit 5) show the shipment was processed later
that evening 10/19/2015 at 7:49 PM, and shipped from Phoenix, AZ, the Departure Scan on
10/19/2015 at 7:52, which was NINE HOURS after my cancellation 10/19/2015 at 10:52 AM.
Focus Camera got my emailed cancellations on October 19, 2015 at 10:52 AM, 11:00 AM and
11:02 AM responded three times, at 10:52 AM; 11:00 AM, and 11:02 PM, see Exhibit 10.
"Thank you for contacting Focus Camera, We will be closed during the following
holidays:"
"Rosh Hashanah we will be closed on Monday, September 14, 2015 an will reopen on
Wednesday September 16,2015 at 9:00 am."
"Yom Kippur we will be closed on Tuesday, September 22, 2015 at 1:00pm and will
reopen on Thursday September 24,at 9:00 am."
"Sukkoth we will be closed Monday, September 28, 2011 and will reopen on Wednesday
October 7, 2015 at 9:00 am."
"Please be assured when we return, all emails will be answered in the order that they
were received."
were received."
Our normal business hours are:
Mon to Thurs: 9AM - 6PM.
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Please give us the chance to resolve your issue before leaving negative feedback, or filing
a claim. We are committed to your satisfaction, and will make every effort to resolve
your concerns as quickly as possible.
Thank you!
Rosh Hashanah, Yom Kippur, and Sukkoth are religious holidays (Jewish). Because the three
religious holidays claimed by Focus Camera were over by October 19, 2015, I concluded that
Focus Camera is a fraud, and fraudulently invoked three religious holidays in this matter. I
believe Focus Camera, et al, engaged in anti-Semitism by knowingly misusing three Jewish
religious holidays to perpetuate a fraud in combination with Amazon and Synchrony Bank.

December 17, 2015

Page - 4
More email cancellations of Amazon order # 112-6608819-8161000 on October 20, 2015

Gillespie to Focus Camera Oct-20-15 6.45 AM - Cancel Order 112-6608819-8161000 Exhibit 11
FOCUS Camera response to Gillespie Oct-20-15 at 6.45 AM; 6:47 AM; 7.25 AM. Exhibit 12
holidays:"
reopen on Thursday September 24, at 9:00 am."
October 7, 2015 at 9:00 am."
were received."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Gillespie to Focus Camera Oct-20-15 7:04 AM - Cancel Order 112-6608819-8161000 Exhibit 13
FOCUS Camera response to Gillespie Oct-20-15 at 7:04 AM Exhibit 14
FOCUS Camera response to Gillespie Oct-20-15 at 7.06 AM Exhibit 15
holidays:"
reopen on Thursday September 24, at 9:00 am."

December 17, 2015

Page - 5
October 7, 2015 at 9:00 am."
were received."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Gillespie to Amazon Oct-20-15 8:15 AM - Cancel Amazon online Account; will automatically
Cancel Order 112-6608819-8161000 Exhibit 16
Cancel my Amazon account. Your vendor Focus Camera cannot respond to my emails
because of a number of Jewish holidays, according to their automated responses. The last
such religious holiday, Sukkoth, ended October 7, 2015 according to their automated
response. That was almost two weeks ago. I entered this transaction with a business, not a
religion. Heck, Im not even Jewish. So I cannot observe these religious holidays as part
of a business transaction. In order to assure Order: 112-6608819-8161000 is canceled, I
am closing my Amazon account. I have no faith whatsoever in Amazon resolving this
matter.
There is currently $190.11 due me on an Amazon gift card that Amazon refuses to
refund. Amazon says I will loose the $190.11 gift card balance once my Amazon account
is closed. I object to that policy. I purchased the Amazon gift cards at Lowes, on a
Lowes credit card. I was told by Amazon to dispute the $190.11 gift card balance
amount through the Lowes credit card, which is offered through Synchrony Bank, same
as the Amazon credit card. Fine. I also closed my Amazon credit card today. I will
probably close my Lowes credit card also.
Neil Gillespie
8092 SW 115th Loop
Ocala, FL 34481
occupant, dissolvetfb@gmail.com

December 17, 2015

Page - 6
Hello,
This is James from Amazon. I want to make sure that closing your Amazon.com account
won't cause problems with any open transactions or other websites you might visit.
Here are some things to keep in mind:
-- If you use your Amazon.com log-in on other sites (e.g., MYHABIT.com, Audible.com,
international Amazon sites except for Amazon.cn/ and Amazon.co.jp, etc.), you'll also
lose access to those accounts.
-- If you've placed orders on AmazonLocal, you'll no longer have access to your
vouchers.
-- Any open orders you have will be canceled.
-- All subscriptions will be canceled (Amazon Prime, Subscribe and Save, etc.).
-- If you have a remaining Amazon.com Gift Card or promotional credit balance, you
won't have access to use the funds.
-- Returns and refunds can't be processed for orders on closed accounts.
-- You won't be able to initiate Textbook Rental returns and will remain responsible for
outstanding rentals.
-- You won't be able to access Kindle, Amazon Video or Amazon Appstore content.
-- You wont be able to re-download content from your Games & Software Library.
-- Your Amazon Payments account will be closed and can't be reopened.
-- We can't transfer the history of an account to another account.
--We will delete your customer profile as well as all your reviews, discussion posts and
customer images.
-- You'll no longer have access to your Associates, Amazon Web Services, Seller, Author
Central, Kindle Direct Publishing and/or Mechanical Turk accounts.
-- If you have an Amazon Web Services account, please contact AWS customer support
for assistance with closing your AWS account :
https://aws-portal.amazon.com/gp/aws/html-forms-controller/contactus/aws-account...
If you still want to close your Amazon.com account after reviewing the items above,
please write back by visiting this link and state that you want to close your account:
https://www.amazon.com/gp/help/rsvp/rsvp-mi.html?q=acc1
I hope this helps. We look forward to hearing from you.
We'd appreciate your feedback. Please use the links below to tell us about your
experience today.
Best regards,
James H.
Separate Twenty (20) page composite of email Nicole DeBlasie, Nikki Calderon, 20p
All Telephone Calls - A Consolidated Phone Log
Oct-20-2015 7:10 AM called Synchrony Bank, transferred to Amazon, unable to communicate
because the Amazon employee kept lowering the call volume.

December 17, 2015

Page - 7
Oct-20-2015 7:20 AM called Amazon, eventually spoke w/Jasmine, said she would contact
Focus Camera to cancel the order. Jasmine sent me email to cancel my Amazon account.
Oct-20-2015 7:31 AM called Amazon, eventually spoke w/James about email from Jasmine;
canceled order #112-0323205-3617807 for New Balance shoes paid with Amazon gift card
($123) not shipped; closed Amazon account; closure will automatically cancel all open orders;
closure will forfeit $200 Amazon gift cards bought at Lowes Center on Lowes/Synchrony Bank
store card. Discussed Focus Cameras misuse of religious holiday excuse to avoid responding to
email. James said Amazon emailed Focus Camera to cancel, and if the binoculars ship anyway,
Amazon would make a A to Z guarantee on my behalf. James made a personal suggestion to
dispute the $200 charge with Lowes for the $200 Amazon gift cards that were forfeited.
Oct-20-2015 10:15 AM called UPS customer service, cancel/refuse Amazon shipment sign on
front gate; UPS to call back in one hour to confirm return to sender.
Oct-20-2015 5:08 PM called UPS spoke with Camille about UPS My Choice email that said I
received the package. Did not see UPS driver or package, sign on locked gate, delivery refused.
Camille confirmed package was not delivered, Exception; package refused/returned to sender.
Nov-28-2015 9:39 AM called Synchrony Bank, Brian confirmed $1,056.94 charge, referred me
to Amazon to remove $1,056.94 charge; Brian provided dispute mailing address,
Synchrony Bank
Amazon.com Credit Card Disputes
P.O. Box 965013
Orlando, FL 32896-5013
transferred my call to Amazon 866-216-1072 spoke Kiana, says she cannot hear me, I hung up.
Nov-28-2015 10:04 AM called Amazon, spoke with Charlotte in customer service; Charlotte
said the order was not canceled; Charlotte said there was still a chance to return the binoculars,
and instructed me to print out a return label; Charlotte said the transaction went through, and was
a valid transaction; Charlotte repeatedly asked me to return the item; Charlotte stopped talking.
Nov-28-2015 12:12 PM, called Amazon, asked Amazon to stop sending promotional email to
me at dissolvetfb@gmail.com.
UPS is a company where I have maintained a shipping account in good standing since 2012.
Oct-20-2015 10:15 AM I called UPS customer service to cancel/refuse the Amazon shipment. I put
a sign (Exhibit 17) on my locked front gate, with a UPS My Choice tracking detail note attached:

December 17, 2015

Page - 8
UPS: RETURN TO
SENDER-REFUSED
1ZA86T961313801760
SEE ATTACHED NOTE
UPS: RETURN TO
SENDER-REFUSED
1ZA86T961313801760
UPS was supposed to call me back in one hour to confirm my cancellation of the Amazon order, and
return of the Amazon order to the sender [Amazon.com Phoenix, AZ, US] but UPS did not call me
back. The UPS driver left door tag # 938501944246 (Exhibit 19) on my locked front gate marked
OK RTS. The front and rear gates to my stucco-block walled courtyard are always locked.
Oct-20-2015 3:23 PM I got email from UPS My Choice (Exhibit 18), falsely stating:
Hi Neil, your package has been delivered.
Delivery Date: Tuesday, 10/20/2015
Delivery Time: 01:27 PM
Left At: FRONT DOOR
AMAZON.COM
Tracking Number: 1ZA86T961313801760
UPS Service: UPS Next Day Air Saver
Oct-20-2015 5:08 PM I called UPS and spoke with Camille about the UPS My Choice email I
got that said I received the package. I did not see the UPS driver or package, and I had left a sign
on my locked front gate: Return to Sender-Refused 1ZA86T961313801760. Camille confirmed
package was not delivered, and said there was an exception marked package refused/returned
to sender. See Exhibit 20, exception 10/20/2015 1:28 P.M. The receiver does not want the
product and refused the delivery. The exception shows as a bright yellow banner near the top
of the UPS tracking detail page for # 1ZA86T96131380176. Exhibit 20.
Amazon made a fraudulent Track Package webpage falsely showing Delivered Oct 20, 2015
Your package was left at the front door or on the front porch and Shipment details Exhibit 21
Delivered Oct 20, 2015
Your package was left at the front door or on the front porch
Latest update: Tuesday, Oct 20
1:27 PM
Your package was left at the front door or on the front porch.
Ocala, FL, US
Carrier: UPS, Tracking #: 1ZA86T961313801760

December 17, 2015

Page - 9
On December 11, 2015 my UPS internal account tracking shows # 1ZA86T961313801760 status
as Returning to Sender (Exh. 22) but the package was returned via # 1ZA86T961213801762
and delivered to Las Vegas NV on 10/23/2015 at 12:00 PM signed for by Tim Dailey. Exhibit 7.
Request authentication of Swarovski CL Companion 8x30 Africa Binocular

Past Amazon purchase of DSM-5 was fraud or counterfeit
I request SWAROVSKI OPTIK North America LTD authenticate the Swarovski CL Companion
8x30 Africa Binocular 58133 sold to me by Focus Camera/Amazon/Synchrony Bank, and state
whether Focus Camera is an authorized seller of SWAROVSKI OPTIK North America LTD.
2 Slater Road
Cranston, RI 02920
Phone: 800-426-3089
Fax: 877-287-8517
Email: info@swarovskioptik.us
Image of Swarovski CL Companion 8x30 Africa Binocular on Amazon.com

http://www.amazon.com/Swarovski-CL-Companion-8x30-Africa/dp/B00NI3YQDS
Amazon order # 112-6608819-8161000 for the Swarovski CL Companion 8x30 Africa Binocular
is in the physical possession of Amazon / Focus Camera. I refused delivery by October 20, 2015
and the Swarovski Binocular was returned by UPS October 23, 2015 to Amazon / Focus Camera.
UPS - PROOF OF DELIVERY (Exhibit 8) for # 1ZA86T961213801762 show proof of delivery
at the Dock, October 23, 2015 at 12:00 PM in Las Vegas, NV, signed for by Tim Dailey.
On or about June 4, 2014 I purchased from Amazon the Diagnostic and Statistical Manual of
Mental Disorders, 5th Edition: DSM-5, with a purported PDF download, Amazon order number:

December 17, 2015

Page - 10
116-5862640-6035402. The PDF download either did not exist, or was a counterfeit product.
Cecilia Stoute, Rights Manager for APP, emailed me on Wednesday, July 09, 2014 at 8:08 AM:
Dear Mr. Gillespie,
Thank you for your email. Im sorry you have experienced this problem with Amazon.
We do not offer a PDF dowload with purchase of the paperback, or a PDF version of the
DSM-5. Amazons listing is incorrect or it probably is a counterfeit listing by an Amazon
reseller. Unfortunately, we are not able to resolve purchase issues encountered with
Amazon...We will contact Amazon regarding this incorrect listing and report it as a
counterfeit. I recommend that you place a complaint directly with them about this issue.
Sincerely,
Cecilia Stoute
Rights Manager | American Psychiatric Publishing
Amazon refunded my purchase price $112.51. Documentation available.
Amazon / Synchrony Bank acct. # 6045 7810 7731 3509
DISPUTE-FRAUD: $1,124.10 order #112-6608819-8161000 - Refused/shipper return/no credit
DISPUTE: Amazon / Synchrony Bank forfeiture policy: $122.95 order # 112-0323205-3617807
My Amazon / Synchrony Bank credit card account # 6045 7810 7731 3509 was approved
October 19, 2015 at 4:43 AM (Exhibit 23) for the binocular order, and closed October 20, 2015
as part of my effort to cancel the order. This purchase was improvident and quickly canceled.
As of today Amazon / Synchrony Bank has not provided me a physical credit card. Amazon
/ Synchrony Bank has not provided me with any of the required new credit card consumer
disclosures. Only the information on my online application was provided. Exhibit 24.
Amazon order # 112-6608819-8161000 for Swarovski CL Companion 8x30 Africa Binocular
58133. Price $1,124.10, less amount paid by gift card: -$67.16; balance $1,056.94. I canceled
this order October 19, 2015 and closed my Amazon account. Amazon / Synchrony Bank took the
$67.16 gift card amount for itself under the Amazon / Synchrony Bank forfeiture policy.
Amazon order # 112-0323205-3617807 for New Balance Men's M990V3 approved by
Medicare/HCPCS code A5500 diabetic shoe (medically necessary) gift card amount: - $122.95
I canceled this order October 19, 2015 and closed my Amazon account. Amazon / Synchrony
Bank took the entire $122.95 for itself under the Amazon / Synchrony Bank forfeiture policy.
Amazon / Synchrony Bank Credit Card Purchases Dispute Procedure
As of today Amazon / Synchrony Bank has not provided me a physical credit card. Amazon
/ Synchrony Bank has not provided me with any of the required new credit card consumer
disclosures. Only the information on my online application was provided. Exhibit 24.
Amazon / Synchrony Bank has not provided me its credit card purchases dispute procedure.

December 17, 2015

Page - 11
Nov-28-2015 9:39 AM I called Synchrony Bank, Brian confirmed $1,056.94 charge, referred
me to Amazon to remove $1,056.94 charge; Brian provided the dispute mailing address,
Synchrony Bank
P.O. Box 965013
transferred my call to Amazon 866-216-1072 spoke Kiana, says she cannot hear me, I hung up.
Amazon / Synchrony Bank Arbitration Section Rejected
I rejected the Arbitration section of the Agreement with Amazon / Synchrony Bank for store
credit card acct. # 6045 7810 7731 3509, and gave written notice December 3, 2015 to
Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012, mailed by USPS No.
9405503699300204105753, and delivered December 7, 2015. (Exhibit 25)
Because Amazon / Synchrony Bank failed to provide me with any of the required new credit
card consumer disclosures, I got the address to reject the Arbitration section of my Amazon
Synchrony Bank credit card Agreement online from a Synchrony Financial document I found
online at the URL shown below, see How to reject this section:
How to reject this section
You may reject this Arbitration section of your Agreement. If you do that, only a court
may be used to resolve any dispute or claim. To reject this section, you must send us a
notice within 60 days after you open your account or we first provided you with your
right to reject this section. The notice must include your name, address and account
number, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 328965012. This is the only way you can reject this section.
http://www.ocomfort.com/wp-content/uploads/2012/06/Synchrony-Application.pdf
My written notice to reject the Arbitration section of my Agreement appears at Exhibit 25.
If this is not the correct address to reject the Arbitration section of my Agreement, I request
Amazon / Synchrony Bank provide the correct address immediately. I request Amazon /
Synchrony Bank provide the required new credit card consumer disclosures immediately.
Lowes Home Centers LLC / Synchrony Bank acct. # 819 2610 635082 5
DISPUTE: $200 purchase for Amazon.com gift cards
Lowes Home Centers is a company where I have a store credit card acct. # 819 2610 635082 5
owned and managed by Synchrony Bank. Exhibit 26. This account had a $2,000 credit limit.

December 17, 2015

Page - 12
I voluntarily closed this account on or about November 28, 2015.

I am disputing $200 of a $550 purchase made October 10, 2015 and charged to my Lowes /
Synchrony Bank credit card account # 819 2610 635082. The purchase was for various gift
cards, and the sale receipt appears at Exhibit 27 The $550 purchase was for 10 gift cards:
651923 - Bonefish Grill (25-500) 86 - $75.00
651825 - Amazon.com 5641
- $100.00
651825 - Amazon.com 3875
- $100.00
63001 - Ruby Tuesday $50 9872 - $50.00
407586 - Steak N Shake25 0943
- $25.00
552118 - Burger King 25
6458
- $25.00
651918 - Shell Oil $50
6457
- $50.00
651918 - Shell Oil $50
4140
- $50.00
651918 - Shell Oil $50
6465
- $50.00
407204 - BP 25
4621
- $25.00
INVOICE 14343 TOTAL: $550.00
My DISPUTE is for two (2) $100 Amazon.com gift cards. Exhibit 28
Sales #: S2753JW2 964311
Trans #: 14524015 10-10-15
Gift Card Activation 651825 AMAZON.COM
CARD #: 6110 4065 1146 5641
PIN: AQGV - 8W7ZD2 - FLEG8
APPROVAL CODE: 965188
ACTIVATION AMOUNT: $100
$100 5641
Gift Card Activation 651825 AMAZON.COM

CARD #: 6110 4065 1148 3875
PIN: AQVK - CHGAFJ - T3T4Q
APPROVAL CODE: 421217
ACTIVATION AMOUNT: $100
$100 3875
By and through this letter, I hereby give notice of a consumer dispute on my Lowes Home
Centers / Synchrony Bank store credit card acct. # 819 2610 635082 in the amount of $200 for
two (2) $100 Amazon gift cards, under the Amazon / Synchrony Bank forfeiture policy:
Order # 112-0323205-3617807 Amazon / Synchrony Bank forfeiture policy amount $122.95
Order # 112-6608819-8161000 Amazon / Synchrony Bank forfeiture policy amount $67.16
Total Amazon / Synchrony Bank forfeiture policy amount: $190.11

December 17, 2015

Page - 13
Amazon order # 112-0323205-3617807 (Exhibit 31) for New Balance Men's M990V3 approved
by Medicare/HCPCS code A5500 diabetic shoe (medically necessary) gift card amount: $122.95. I canceled this order October 19, 2015 and closed my Amazon account. Amazon /
Synchrony Bank took $122.95 for itself under the Amazon / Synchrony Bank forfeiture policy.
Amazon order # 112-6608819-8161000 for Swarovski CL Companion 8x30 Africa Binocular
58133. Price $1,124.10, less amount paid by gift card: -$67.16; balance $1,056.94. I canceled
this order October 19, 2015 and closed my Amazon account. Amazon / Synchrony Bank took the
$67.16 for itself under the Amazon / Synchrony Bank forfeiture policy.
Note: Amazon Order # 112-9281401-0938669 for Mibro 241120 7 Piece Kwik Start High Speed
Drill Bit Set used the remaining gift card amount $9.89, although the final details for order
shows $19.89 paid by gift card. This product was delivered and is in my possession. Exhibit 29.
Synchrony Bank
Lowes Credit Card Disputes
P.O. Box 965003
VIA US Postal Service No. 9405503699300198892080
Exhibit 30 is my Lowes / Synchrony Bank statement, closing date October 25, 2015, for store
credit card acct. # 819 2610 635082 showing the $550 purchase/charge made October 10, 2015.
I have another Lowes Home Centers / Synchrony Bank store credit card acct. # 819 2610
124801 6 not part of this dispute. I also voluntarily closed that account. It had a $700 limit.
Lowes / Synchrony Bank Credit Card Purchases Dispute Rules
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card,
and you have tried in good faith to correct problem with the merchant, you may have the right
not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your
current mailing address, and the purchase price must have been more than $50. (Note:
Neither of these are necessary if your purchase was based on an advertisement we mailed
10 you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash
advances from an ATM or wtth a check that accesses your credit card account do not
qualify.

December 17, 2015

Page - 14
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact
us in writing at:
Synchrony Bank
P.O. Box 965003
While we investigate, the same rules apply to the disputed amount as discussed above. After we
finish our investigation, we will tell you our decision. At that point, if we think you owe an
amount and you do not pay we may report you as delinquent.
Amazon abuse of workers
In a story for Mother Jones, I Was A Warehouse Wage Slave, author Mac McClelland reported
abuse of workers by Amazon at one of its fulfillment warehouses, Amalgamated Product Giant
Shipping Worldwide Inc. This is one of a number of Amazon worker abuse reports found online.
http://www.motherjones.com/politics/2012/02/mac-mcclelland-free-online-shipping-warehouses-labor
http://www.motherjones.com/authors/mac-mcclelland
Religion, interstate commerce, and the Commerce Clause

Kimberly Jean Bailey Davis is the county clerk of Rowan County, Kentucky. In 2015, Davis
gained national media attention after defying a federal court order requiring that she issue
marriage licenses following the U.S. Supreme Court decision in Obergefell v. Hodges, which
held that there is a right to same-sex marriage guaranteed by the Fourteenth Amendment.
Davis began refusing to issue any licenses, either to same-sex, or to opposite-sex couples, saying
she was acting "under God's authority". Focus Camera is invoking Gods authority too, by
fraudulently claiming three Jewish religious holidays prevented it from responding to my email,
even though the three holidays, Rosh Hashanah, Yom Kippur, and Sukkoth, were long over by
October 19, 2015 when I emailed Focus Camera and canceled Amazon order # 112-66088198161000 for the Swarovski CL Companion 8x30 Africa Binocular that had not yet shipped.
The Commerce Clause, Article I, Section 8, Clause 3, Constitution of the United States:
[The Congress shall have Power] To regulate Commerce with foreign Nations, and
among the several States, and with the Indian tribes;
This matter involves interstate commerce, and is therefore regulated by the Commerce Clause.
World Jewish Congress (WJC) letter to Jeffrey Bezos Chairman & CEO Amazon.com
Letter October 17, 2013 by WJC Executive Vice President Robert Singer. (Exhibit 32)

December 17, 2015

Page - 15
NEW YORK The World Jewish Congress demanded that Amazon.com remove from its
website books that deny the Holocaust and promote anti-Semitism and white supremacy.
"No one should profit from the sale of such vile and offensive hate literature. Many
Holocaust survivors are deeply offended by the fact that the worlds largest online
retailer is making money from selling such material,"
"We are shocked and disgusted that Amazon has not yet removed these items, which
came to light in news reports on October 14,
WJC Executive Vice President Robert Singer wrote in a letter to Amazon CEO Jeff Bezos.
Sherman Antitrust Act, 15 U.S.C. 1-7; Section 1:
In the past I closed Amazon online accounts as a dissatisfied consumer. But due to Amazons
dominance, I reluctantly opened a new Amazon account as a last resort to make a purchase.
On information and belief, Amazon, Synchrony Bank, and Focus Camera, have combined in
restraint of free trade prohibited by the Sherman Antitrust Act, 15 U.S.C. 1-7.
15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal; penalty
https://www.law.cornell.edu/uscode/text/15/1
Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint
of trade or commerce among the several States, or with foreign nations, is declared to be
illegal. Every person who shall make any contract or engage in any combination or
conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on
conviction thereof, shall be punished by fine not exceeding $100,000,000 if a
corporation, or, if any other person, $1,000,000, or by imprisonment not exceeding 10
years, or by both said punishments, in the discretion of the court.
The U.S. district courts have jurisdiction, and the U.S. Attorneys a duty, under the direction of
the Attorney General, and 15 U.S. Code 4, to enforce the Sherman Antitrust Act:
15 U.S. Code 4 - Jurisdiction of courts; duty of United States attorneys; procedure
https://www.law.cornell.edu/uscode/text/15/4
The several district courts of the United States are invested with jurisdiction to prevent
and restrain violations of sections 1 to 7 of this title; and it shall be the duty of the several
United States attorneys, in their respective districts, under the direction of the Attorney
General, to institute proceedings in equity to prevent and restrain such violations. Such
proceedings may be by way of petition setting forth the case and praying that such
violation shall be enjoined or otherwise prohibited. When the parties complained of shall
have been duly notified of such petition the court shall proceed, as soon as may be, to the
hearing and determination of the case; and pending such petition and before final decree,

December 17, 2015

Page - 16
the court may at any time make such temporary restraining order or prohibition as shall
be deemed just in the premises.
Also see15 U.S. Code 15f - Actions by Attorney General
https://www.law.cornell.edu/uscode/text/15/15f
Conclusion
Amazon, Synchrony Bank, and Focus Camera will stop at nothing in their rapacious and
criminal quest for profit. Amazon, Synchrony Bank, and Focus Camera are not bound by the rule
of law, and cannot be restrained by the consequences of violating U.S. law. The only effective
way to protect the public is to bring criminal charges, and upon conviction, incarcerate Amazon
CEO Jeff Bezos, et al, and dissolve Amazon and other offending business entities. Thank you.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807

1700 G Street, NW
VIA UPS No. 1Z64589FNW90659658

1275 First Street, NE
VIA UPS No. 1Z64589FNW90648446

P.O. Box 4503
Iowa City, Iowa 52244
Equifax Consumer Services, Inc.
PO Box 105496
Atlanta, GA 30348
Jeff Bezos, Chairman & CEO, jeff@amazon.com

Seattle, WA 98109
VIA UPS No. 1Z64589FP292845267
Jessica H. Schneller, jschnell@amazon.com
Seattle, WA 98109
VIA UPS No. 1Z64589FP293821272
Synchrony Bank
Draper, Utah 84020
VIA UPS No. 1Z64589FP294443689
VIA UPS No. 1Z64589FP293408497
1000 Lowes Blvd.
VIA UPS No. 1Z64589FP294851701
Atlanta, GA 30328
VIA UPS No. 1Z64589FP294949311
Synchrony Bank
P.O. Box 965013
Synchrony Bank
P.O. Box 965012
Reject the Arbitration section of your Agreement
December 17, 2015

Page - 17

Synchrony Bank
P.O. Box 965003
2 Slater Road
Cranston, RI 02920
Phone: 800-426-3089
Fax: 877-287-8517
Email: info@swarovskioptik.us
VIA UPS No. 1Z64589FP292517326
Registered Agent Name & Address
UNITED PARCEL SERVICE, INC.
Corporation Service Company
1201 Hays Street
Tallahassee, FL 32301-2525
VIA UPS No. 1Z64589FP297666960
LOWE'S HOME CENTERS, LLC
1201 Hays Street
VIA UPS No. 1Z64589FP293611730
AMAZON.COM.DEDC, LLC
1201 Hays Street
VIA UPS No. 1Z64589FP296106914
Authorized Person(s) Detail Name & Address
Stephanie Burns, Manager
Seattle, WA 98109
VIA UPS No. 1Z64589FP292845267
December 17, 2015

Page - 18

David H. Clark, Manager
Seattle, WA 98109
VIA UPS No. 1Z64589FP292845267
John Felton, Manager
Seattle, WA 98109
VIA UPS No. 1Z64589FP292845267
Focus Camera, Inc.
905 McDonald Avenue
Brooklyn, NY 11218
Ernest Berkowitz, President
Focus Camera cs@focuscamera.com
Focus Camera csfocusamazon@focuscamera.com
Focus Camera info@focuscamera.com
Tel. 718-437-8800
VIA UPS No. 1Z64589FP290128545
December 17, 2015

Page - 19
December 17, 2015
Equifax Consumer Services, Inc.

PO Box 105496
Atlanta, GA 30348
RE: Equifax Confirmation Number 5331033875 - AMAZON.COM Dispute Received
Enclosed is my complaint to the Consumer Financial Protection Bureau (CFPB) December 17,
2015 for Amazon.com and Synchrony Bank to supplement Equifax Confirmation Number
5331033875 - AMAZON.COM Dispute Received.

Neil J. Gillespie, wrongly demands payment Nov-28-2015 of balance $1,056.94.

Thank you.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807
Enclosure:
Complaint December 17, 2015 to the CFPB
1700 G Street, NW
December 17, 2015
Synchrony Bank
P.O. Box 965013
2015 for Amazon.com and Synchrony Bank.


Thank you.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807
Enclosure:
1700 G Street, NW
December 17, 1015
Synchrony Bank
P.O. Box 965003
2015 for Lowes / Synchrony Bank acct. # 819 2610 6350825 for Neil J. Gillespie, two (2)
Amazon.com gift cards for $100 each charged; $200 total charged to Lowes.


Thank you.
Sincerely,
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807
Enclosure:
1700 G Street, NW
APPENDIX of EXHIBITS, No. 1 - No. 32

Amazon.com / Synchrony Bank / Focus Camera
Complaint December 17, 2015 to the

Exhibit 1
Exhibit 2
Exhibit 3
Exhibit 4
Exhibit 5
Exhibit 6
Exhibit 7
Exhibit 8
Exhibit 9
Exhibit 10
Equifax Online Dispute-AMAZON confirmation no. 5331033875

Amazon.com store card statement from Synchrony Bank
Details for Amazon Order #112-6608819-8161000 - Swarovski 8x30 binoculars
Amazon / Synchrony Bank access to account denied - Reset Your Password
EXCEPTION Oct-20-2015, UPS Tracking No. 1ZA86T961313801760
Returning to Sender Oct-20-2015, UPS Tracking No. 1ZA86T961313801760
RETURNED to Sender Amazon Oct-20-2015, UPS Tracking No. 1ZA86T961213801762
RETURNED POD Oct-23-15 to Amazon, UPS Tracking No. 1ZA86T961213801762
Gillespie to FOCUS Camera, cancel order Oct-19-2015 at 10.52 AM, 11:00 AM, 11:02 AM
FOCUS Camera response to order cancellation Oct-19-2015 at 10.52 AM, Rosh Hashanah, etc.
Exhibit 11
Exhibit 12
Exhibit 13
Exhibit 14
Exhibit 15
Exhibit 16
Exhibit 17
Exhibit 18
Exhibit 19
Exhibit 20
Gillespie email to FOCUS Camera: CANCEL THIS ORDER. I WILL REFUSE DELIVERY
Email response to Gillespie by FOCUS Camera: Rosh Hashanah, Yom Kippur, Sukkoth.
Gillespie email to Amazon: Cancel account; no in faith Amazon resolving this matter.
Gate Sign, UPS: REFUSED - RETURN TO SENDER - 1ZA86T961313801760 - See Note
Email UPS MY Choice Your UPS Package has been delivered
UPS Door Tag No. 9385 0194 424 6 October 20, 2015, OK RTS (Okay Return to Sender)
UPS Exception, The receiver does not want the product and refused the delivery. Oct-20-2015
Exhibit 21
Exhibit 22
Exhibit 23
Exhibit 24
Exhibit 25
Exhibit 26
Exhibit 27
Exhibit 28
Exhibit 29
Exhibit 30
Exhibit 31
Exhibit 32
Amazon online False Statement in the name of UPS Track Package 1ZA86T961313801760
Gillespies UPS internal tracking, Returning to Sender No. 1ZA86T961313801760
Email October 19, 2015 @ 4:43 AM, Your Amazon.com Store Card is now ready
October 19, 2015, Synchrony Amazon.com Store Card APPLICATION
Neil J. Gillespie REJECTS THE ARBITRATION SECTION of Synchrony Bank / Amazon
Image of the Lowes Home Center LLC Synchrony Bank credit card for Neil J. Gillespie
October 10, 2015, Lowes credit card sale $550 gift card purchases
October 10, 2015, Lowes gift card activation, (2) two $100 Amazon.com gift cards
Final Details for Order #112-9281401-0938669 - drill bits $19.89 October 18, 2015
Lowes STATEMENT bal $1,372.86, due Nov-17-2015 (gift card assortment sale)
Details for Order #112-0323205-3617807 - New Balance Men's M990V3 (diabetic shoe)
Don't sell books that deny the Holocaust, WJC urges Amazon CEO Jeff Bezos
APPENDIX of EXHIBITS, No. 1 - No. 32

Amazon.com / Synchrony Bank / Focus Camera
Complaint December 17, 2015 to the

Exhibit 1
Exhibit 2
Exhibit 3
Exhibit 4
Exhibit 5
Exhibit 6
Exhibit 7
Exhibit 8
Exhibit 9
Exhibit 10
Equifax Online Dispute-AMAZON confirmation no. 5331033875

Amazon.com store card statement from Synchrony Bank
Details for Amazon Order #112-6608819-8161000 - Swarovski 8x30 binoculars
Amazon / Synchrony Bank access to account denied - Reset Your Password
EXCEPTION Oct-20-2015, UPS Tracking No. 1ZA86T961313801760
Returning to Sender Oct-20-2015, UPS Tracking No. 1ZA86T961313801760
RETURNED to Sender Amazon Oct-20-2015, UPS Tracking No. 1ZA86T961213801762
RETURNED POD Oct-23-15 to Amazon, UPS Tracking No. 1ZA86T961213801762
Gillespie to FOCUS Camera, cancel order Oct-19-2015 at 10.52 AM, 11:00 AM, 11:02 AM
FOCUS Camera response to order cancellation Oct-19-2015 at 10.52 AM, Rosh Hashanah, etc.
Exhibit 11
Exhibit 12
Exhibit 13
Exhibit 14
Exhibit 15
Exhibit 16
Exhibit 17
Exhibit 18
Exhibit 19
Exhibit 20
Gillespie email to Amazon: Cancel account; no in faith Amazon resolving this matter.
Gate Sign, UPS: REFUSED - RETURN TO SENDER - 1ZA86T961313801760 - See Note
Email UPS MY Choice Your UPS Package has been delivered
UPS Door Tag No. 9385 0194 424 6 October 20, 2015, OK RTS (Okay Return to Sender)
UPS Exception, The receiver does not want the product and refused the delivery. Oct-20-2015
Exhibit 21
Exhibit 22
Exhibit 23
Exhibit 24
Exhibit 25
Exhibit 26
Exhibit 27
Exhibit 28
Exhibit 29
Exhibit 30
Exhibit 31
Exhibit 32
Amazon online False Statement in the name of UPS Track Package 1ZA86T961313801760
Gillespies UPS internal tracking, Returning to Sender No. 1ZA86T961313801760
Email October 19, 2015 @ 4:43 AM, Your Amazon.com Store Card is now ready
October 19, 2015, Synchrony Amazon.com Store Card APPLICATION
Neil J. Gillespie REJECTS THE ARBITRATION SECTION of Synchrony Bank / Amazon
Image of the Lowes Home Center LLC Synchrony Bank credit card for Neil J. Gillespie
October 10, 2015, Lowes credit card sale $550 gift card purchases
October 10, 2015, Lowes gift card activation, (2) two $100 Amazon.com gift cards
Final Details for Order #112-9281401-0938669 - drill bits $19.89 October 18, 2015
Lowes STATEMENT bal $1,372.86, due Nov-17-2015 (gift card assortment sale)
Details for Order #112-0323205-3617807 - New Balance Men's M990V3 (diabetic shoe)
Don't sell books that deny the Holocaust, WJC urges Amazon CEO Jeff Bezos
https://www.ai.equifax.com/CreditInvestigation/pretyPrintSubmitedDispute.action
Print this page
Details for Confirmation #: 5331033875

Date of Dispute :
November 27, 2015 Name : NEIL GILLESPIE
Time of Dispute :
22:22 PM EST
Your Confirmation #:
5331033875
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/604578107731XXXX
My account balance is incorrect.
11/27/2015 10:23 PM
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
"Equifax" <updates@notify.equifax.com>
Equifax Confirmation Number: 5331033875 - 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:
5331033875
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.
11/27/2015
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=150dfd1b0d077193&siml=150dfd1b0d077193
Dissolve TFB <dissolvetfb@gmail.com>
Your Amazon.com Store Card Statement from Synchrony Bank is Available

Online
1 message
Amazon.com Store Card Customer Service <statements@mail.synchronybank.com>
Fri, Nov 6, 2015 at 9:24 PM
Reply-To: "Amazon.com Store Card Customer Service" <donotreply@mail.synchronybank.com>
To: DISSOLVETFB@gmail.com
E-mail Security Zone: NEIL GILLESPIE

For your account ending: 3509
Dear NEIL GILLESPIE:
Your Amazon.com Store Card online statement is now ready for viewing. Login today to view your
statement online.
Due Date:
Minimum Payment Due:
Statement Balance:
11/28/2015
$ 25.00
$ 1,056.94
Sincerely,
Amazon.com Store Card Services
Note: This email was sent to you by Synchrony Bank, the issuer of your Amazon.com Store Card Account. You may receive account
servicing emails even if you have requested not to receive marketing offers by email for your Amazon.com Store Card Account. Synchrony
Bank is located at 170 Election Road, Suite 125, Draper, Utah, 84020,USA.
This is an unmonitored email box. Please do not reply to this email.
11/28/2015 12:54 PM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=150dfd1b0d077193&siml=150dfd1b0d077193
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission's (FTC)
consumer website at www.ftc.gov/idtheft/.
Privacy: We respect your privacy. Click here to read our Privacy Policy.
11/28/2015 12:54 PM
https://www.amazon.com/gp/css/summary/print.html/ref=oh_aui_pi_o00_?ie=UTF8&orderID=112-6608819-8161000
Details for Order #112-6608819-8161000

Print this page for your records.
Order Placed: October 19, 2015
Amazon.com order number: 112-6608819-8161000
Seller's order number: 4789135
Order Total: $1,056.94
Preparing for Shipment

Items Ordered
1 of: Swarovski CL Companion 8x30 Africa Binocular 58133
Sold by: Focus Camera (seller profile)
Price
$1,124.10
Condition: New
Item(s) Subtotal: $1,124.10

Shipping & Handling:
$0.00
----Total before tax: $1,124.10
Sales Tax:
$0.00
Gift Card Amount:
-$67.16
----Total for This Shipment:$1,056.94
Total paid by Gift Card: -$67.16
-----
Shipping Address:
NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA, FL 34481
United States
Shipping Speed:
Standard
Payment information
Payment Method:
Amazon.com Store Card | Last digits: 3509
Gift Card
Billing address
NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA, FL 34481
United States
Credit Card
transactions
Item(s) Subtotal: $1,124.10

$0.00
----Total before tax: $1,124.10
Estimated tax to be collected:
$0.00
Gift Card Amount:
-$67.16
----Grand Total:$1,056.94
Amazon.com Store Card ending in 3509: October 19, 2015:$0.00

To view the status of your order, return to Order Summary.
Please note: This is not a VAT invoice.
Conditions of Use | Privacy Notice 1996-2015, Amazon.com, Inc. or its affiliates
https://www.amazon.com/gp/css/order-history/ref=nav_youraccount_orders
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ORDER PLACED
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SHIP TO
October 19, 2015
$1,056.94
NEIL GILLESPIE
ORDER # 112-6608819-8161000
Order Details
Invoice
Arriving Thu, Oct 22 - Mon, Oct 26 by 8pm

Swarovski CL Companion 8x30 Africa Binocular 58133
Sold by: Focus Camera
Product question? Ask Seller
$1,124.10
ORDER PLACED
TOTAL
SHIP TO
October 18, 2015
$0.00
Occupant
ORDER # 112-9281401-0938669
Order Details
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Arriving Tuesday, Oct 27

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2 of Mibro 241120 7 Piece Kwik Start High Speed Drill Bit Set
Sold by: Farm & Home Supply Center
$6.49
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Your Amazon.com Store Card or Amazon Prime Store Card is issued by Synchrony Bank. The Synchrony Bank Privacy Policy governs the use of the Amazon.com Store Card and
Amazon Prime Store Card. The use of this site is governed by the use of the Synchrony Bank Internet Privacy Policy, which is different from the privacy policy of Amazon.com.
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Amazon.com
11/28/2015 12:38 PM
https://wwwapps.ups.com/WebTracking/returnToDetails?loc=en_US
United States
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Updated: 10/20/2015 5:17 P.M. Eastern Time
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Shipping Information
To:
OCALA, FL, US
What's This?
Shipment Progress
Shipped By
Location
Date
Local
Time
Activity
10/20/2015 1:28 P.M. The receiver does not want the product and refused the delivery.
Ocala, FL, United States
10/20/2015 1:27 P.M. Delivered
Orlando, FL, United States
10/20/2015 7:00 A.M. Departure Scan
UPS Next Day Air

Saver
10/20/2015 8:43 A.M. Out For Delivery
10/20/2015 6:00 A.M. Arrival Scan

Louisville, KY, United States 10/20/2015 4:12 A.M. Departure Scan
10/20/2015 2:00 A.M. Arrival Scan
Phoenix, AZ, United States
10/19/2015 7:52 P.M. Departure Scan
United States
10/19/2015 7:49 P.M. Order Processed: Ready for UPS
10/19/2015 4:36 P.M. Origin Scan
Additional Information
Reference Number(s):
Shipped/Billed On:
Type:
Weight:
370161052
S01-0239371-0352563
DWZV52Y0B
NA
UPS-AZPHX-T0023WX7X8 UPST874618 UP
10/19/2015
Package
3.90 lbs
United States
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Updated: 11/28/2015 10:12 A.M. Eastern Time
: 1ZA86T961213801762
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To:
N LAS VEGAS, NV, US
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Shipped By
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Date
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Time
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/ The package will be returned to the sender.
1ZA86T961213801762
UPS Next Day Air

Saver
10/20/2015 1:27 P.M. Delivered

10/20/2015 6:00 A.M. Arrival Scan

10/20/2015 2:00 A.M. Arrival Scan

10/19/2015 4:36 P.M. Origin Scan
United States
Shipped/Billed On:
Type:
Weight:
370161052
S01-0239371-0352563
DWZV52Y0B
NA
10/19/2015
Package
3.90 lbs
11/28/2015 10:14 AM
https://wwwapps.ups.com/WebTracking/detail
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Delivered On:
Friday, 10/23/2015 at 12:00 P.M.
Left At:
DOCK
To:
LAS VEGAS, NV, US
Signed By:
TIM DAILEY
Proof of Delivery
Shipped By
What's This?
Shipment Progress
Local
Time
UPS 3 DAY
SELECT
Location
Date
LAS VEGAS, NV, US
10/23/2015 12:00 P.M. Delivered
Activity
10/23/2015 7:19 A.M.
Out For Delivery
10/23/2015 4:31 A.M.
Arrival Scan
Louisville, KY, United States 10/23/2015 3:51 A.M.
Departure Scan
Louisville, KY, United States 10/21/2015 9:42 A.M.
Arrival Scan
10/21/2015 7:50 A.M.
Departure Scan
10/21/2015 4:34 A.M.
Arrival Scan
10/21/2015 3:55 A.M.
Departure Scan
10/20/2015 10:53 P.M. Arrival Scan
10/20/2015 9:24 P.M.
Departure Scan
10/20/2015 6:56 P.M.
The receiver does not want the product and refused the
delivery. / The package will be returned to the sender.
1ZA86T961313801760
Type:
Package
11/28/2015 10:14 AM
https://wwwapps.ups.com/WebTracking/processPOD?Requester=&tracknum=1ZA86T961213801762&refNumbers=&loc=en_US
Proof of Delivery
Close Window
Dear Customer,
This notice serves as proof of delivery for the shipment listed below.
Tracking Number:
Alternate Tracking Number:
Service:
Delivered On:
Delivered To:
Signed By:
Left At:
1ZA86T961213801762
1ZA86T961313801760
UPS 3 DAY SELECT
10/23/2015 12:00 P.M.
LAS VEGAS, NV, US
TIM DAILEY
DOCK
Thank you for giving us this opportunity to serve you.

Sincerely,
UPS
Tracking results provided by UPS: 11/28/2015 1:40 P.M. ET
Print This Page
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11/28/2015 1:41 PM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15080965c9dfa0d0&siml=15080965c9dfa0d0&siml=150809db...
Your e-mail to Focus Camera

3 messages
Amazon.com <auto-communication@amazon.com>
Reply-To: "Amazon.com" <auto-communication@amazon.com>
To: occupant <dissolvetfb@gmail.com>
Mon, Oct 19, 2015 at 10:52 AM

Order ID 112-6608819-8161000:
------------- Begin message ------------Please cancel. Thank you.
------------- End message ------------For Your Information: To help arbitrate disputes and preserve trust and safety, we retain all messages buyers and
sellers send through Amazon.com for two years. This includes your response to the message above. Amazon.com
uses filtering technology to protect buyers and sellers from possible fraud. Messages that fail this filtering will not be
transmitted.
We want you to buy with confidence anytime you purchase products on Amazon.com. Learn more about Safe Online
Shopping (http://www.amazon.com/gp/help/customer/display.html?nodeId=551434) and our safe buying guarantee
(http://www.amazon.com/gp/help/customer/display.html?nodeId=537868).
Mon, Oct 19, 2015 at 11:00 AM
[Quoted text hidden]
Mon, Oct 19, 2015 at 11:02 AM
11/28/2015 10:38 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15080967cfa2c620&siml=15080967cfa2c620&siml=150809dd...
Customer Service request received: Order cancellation request from Amazon

customer occupant (Order: 112-6608819-8161000)
3 messages
Mon, Oct 19, 2015 at
10:52 AM
Focus Camera - Amazon Marketplace <109kqjvtchjnhk9@marketplace.amazon.com>

Reply-To: Focus Camera - Amazon Marketplace <109kqjvtchjnhk9@marketplace.amazon.com>
## Please do not write below this line ##
"Thank you for contacting Focus Camera, We will be closed during the following holidays:"
"Rosh Hashanah we will be closed on Monday, September 14, 2015 an will reopen on Wednesday September 16,2015 at 9:00
am."
"Yom Kippur we will be closed on Tuesday, September 22, 2015 at 1:00pm and will reopen on Thursday September 24,at 9:00
am."
"Sukkoth we will be closed Monday, September 28, 2011 and will reopen on Wednesday October 7, 2015 at 9:00 am."
"Please be assured when we return, all emails will be answered in the order that they were received."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Please give us the chance to resolve your issue before leaving negative feedback, or filing a claim. We are committed to your
satisfaction, and will make every effort to resolve your concerns as quickly as possible.
Thank you!
Message-Id:JPKL9368L1_562503b1c7db0_3ee03f9b0d0cd3381771c8_sprut
To request a cancellation for your order, please click here.
For Your Information: To help arbitrate disputes and preserve trust and safety, we retain all messages
buyers and sellers send through Amazon.com for two years. This includes your response to the message
above. Amazon.com uses filtering technology to protect buyers and sellers from possible fraud. Messages
that fail this filtering will not be transmitted.
We want you to buy with confidence anytime you purchase products on Amazon.com. Learn more about Safe
Online Shopping (http://www.amazon.com/gp/help/customer/display.html?nodeId=551434) and our safe buying
guarantee (http://www.amazon.com/gp/help/customer/display.html?nodeId=537868).
[commMgrTok:A3QGOZAAP2AEK9]

11:00 AM
10
11/28/2015 10:17 AM

am."
am."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Message-Id:J5740RLP2N_5625059381e30_4b033fad914cd3201518425_sprut
[commMgrTok:AM7LDK3L3UTY8]

11:02 AM

am."
am."
11/28/2015 10:17 AM
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Message-Id:N2XKYQXLW1_5625061fd7da1_42823fe12a2cd32837768a_sprut
==
Was this message useful?
If yes, click here:
http://www.amazon.com/gp/help/survey?p=A2F7712BO8L3AH&k=hy&ref_=bsm_hmdyes_ht
If no, click here:
http://www.amazon.com/gp/help/survey?p=A2F7712BO8L3AH&k=hn&ref_=bsm_hmdno_ht
[commMgrHmdToken:A2L7ERA28F12N]
[commMgrTok:A2L7ERA28F12N]
11/28/2015 10:17 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15084da503ab8df9&siml=15084da503ab8df9&siml=15084dc6...
Your e-mail to Focus Camera

3 messages
Tue, Oct 20, 2015 at 6:45 AM

Order ID 112-6608819-8161000:
------------- Begin message ------------CANCEL THIS ORDER. I WILL REFUSE DELIVERY.
------------- End message ------------For Your Information: To help arbitrate disputes and preserve trust and safety, we retain all messages buyers and
sellers send through Amazon.com for two years. This includes your response to the message above. Amazon.com
uses filtering technology to protect buyers and sellers from possible fraud. Messages that fail this filtering will not be
transmitted.
We want you to buy with confidence anytime you purchase products on Amazon.com. Learn more about Safe Online
Shopping (http://www.amazon.com/gp/help/customer/display.html?nodeId=551434) and our safe buying guarantee
(http://www.amazon.com/gp/help/customer/display.html?nodeId=537868).
Tue, Oct 20, 2015 at 6:47 AM
Tue, Oct 20, 2015 at 7:25 AM

Order ID 112-6608819-8161000:
------------- Begin message ------------Hello,
We've been contacted by a customer regarding the order identified below.
-------------------Order#: 112-6608819-8161000
Item: Swarovski CL Companion 8x30 Africa Binocular 58133
Reason: Cancel Order
11
11/30/2015 12:35 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15084da503ab8df9&siml=15084da503ab8df9&siml=15084dc6...
Details: The order has not yet shipped and the customer has asked to cancel the order. Please contact the
customer.
------------------To respond to this customer, please reply to this e-mail or visit your seller account at the following link:
https://sellercentral.amazon.com/gp/communication-manager/inbox.html
Sincerely,
Customer Service Department
Amazon.com
http://www.amazon.com
11/30/2015 12:35 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15084da67903fa9e&siml=15084da67903fa9e&siml=15084dc8...
Customer Service request received: Order cancellation request from Amazon

customer occupant (Order: 112-6608819-8161000)
3 messages
Tue, Oct 20, 2015 at
6:45 AM

am."
am."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Message-Id:1XGP84V08N_56261b39c35c5_afc03fdead6cd31c13523ec_sprut
[commMgrTok:A21CE31F5MNGBR]

6:47 AM
12
11/30/2015 12:36 AM

am."
am."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Message-Id:N4ZWD6KLR1_56261bc5a8b71_5b1c3fd2688cd32012882cf_sprut
[commMgrTok:A3266P29GONLJ7]

7:25 AM

am."
am."
11/30/2015 12:36 AM
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Thank you!
Message-Id:JLKPPXOE2N_562624b3cc5cb_35a13f86dc4cd338727320_sprut
[commMgrTok:A1AB7XTG869V8H]
11/30/2015 12:36 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=sent&th=15084ec097e3c74c&siml=15084ec097e3c74c
Cancel Order 112-6608819-8161000

1 message
To: cs@focuscamera.com
Tue, Oct 20, 2015 at 7:04 AM
TO: Focus Camera

CANCEL ORDER
CANCEL AMAZON Order: 112-6608819-8161000
Items: 1 of Swarovski CL Companion 8x30 Africa Binocular 58133
Subject: Cancel Order
CANCEL THIS ORDER. I WILL REFUSE DELIVERY.
13
11/28/2015 10:45 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15084ec17cdae3ed&siml=15084ec17cdae3ed
Customer Service request received: Cancel Order 112-6608819-8161000

1 message
Customer Service <csfocusamazon@focuscamera.com>
Reply-To: Customer Service <csfocusamazon@focuscamera.com>
To: Dissolve TFB <dissolvetfb@gmail.com>
Tue, Oct 20, 2015 at 7:04 AM
"Rosh Hashanah we will be closed on Monday, September 14, 2015 an will reopen on Wednesday September 16,2015 at
9:00 am."
"Yom Kippur we will be closed on Tuesday, September 22, 2015 at 1:00pm and will reopen on Thursday September 24,at
9:00 am."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Please give us the chance to resolve your issue before leaving negative feedback, or filing a claim. We are committed to
your satisfaction, and will make every effort to resolve your concerns as quickly as possible.
Thank you!
Message-Id:17L3353WG1_56261fc3baafb_b4e3ff627ccd32012661a5_sprut
14
11/30/2015 12:32 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15084ed8b050ec0f&siml=15084ed8b050ec0f
Customer Service request received: CANCEL AMAZON Order:

112-6608819-8161000
1 message
Customer Service <csfocusamazon@focuscamera.com>
Reply-To: Customer Service <csfocusamazon@focuscamera.com>
To: Dissolve TFB <dissolvetfb@gmail.com>
Tue, Oct 20, 2015 at 7:06 AM
"Rosh Hashanah we will be closed on Monday, September 14, 2015 an will reopen on Wednesday September 16,2015 at
9:00 am."
"Yom Kippur we will be closed on Tuesday, September 22, 2015 at 1:00pm and will reopen on Thursday September 24,at
9:00 am."
Friday: 9AM - 2PM .
Saturday: CLOSED
Sunday: CLOSED
Please give us the chance to resolve your issue before leaving negative feedback, or filing a claim. We are committed to
your satisfaction, and will make every effort to resolve your concerns as quickly as possible.
Thank you!
Message-Id:JDWZ6Y3L01_562620236a72_24bd3fa5342cd3286821a7_sprut
15
11/30/2015 12:34 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=15085007deb09ca5&siml=15085007deb09ca5&siml=1508515...
A Message from Amazon Customer Service

3 messages
Amazon.com Customer Service <cs-reply@amazon.com>
Tue, Oct 20, 2015 at 7:26 AM
Reply-To: "cs-reply+A1FMT70W0GIQ32@amazon.com" <cs-reply+A1FMT70W0GIQ32@amazon.com>
Your Account
Amazon.com

Hello,
I want to make sure that closing your Amazon.com account won't cause problems with any open transactions or
other websites you might visit.
-- If you use your Amazon.com log-in on other sites (e.g., MYHABIT.com, Audible.com, international Amazon
sites except for Amazon.cn/ and Amazon.co.jp, etc.), you'll also lose access to those accounts.
-- If you've placed orders on AmazonLocal, you'll no longer have access to your vouchers.
-- If you have a remaining Amazon.com Gift Card or promotional credit balance, you won't have access to use
the funds.
-- You won't be able to initiate Textbook Rental returns and will remain responsible for outstanding rentals.
--We will delete your customer profile as well as all your reviews, discussion posts and customer images.
-- You'll no longer have access to your Associates, Amazon Web Services, Seller, Author Central, Kindle Direct
Publishing and/or Mechanical Turk accounts.
-- If you have an Amazon Web Services account, please contact AWS customer support for assistance with
closing your AWS account :
If you still want to close your Amazon.com account after reviewing the items above, please write back by visiting
this link and state that you want to close your account:
* https://www.amazon.com/gp/help/rsvp/rsvp-mi.html?q=acc1 *
We'd appreciate your feedback. Please use the links below to tell us about your experience today.
16
11/30/2015 12:38 AM
Best regards,
Jasmine B.
Did I solve your problem?

Yes
No
Your feedback is helping us build Earth's Most Customer-Centric Company.

Thank you.
Amazon.com
Amazon.com <cs-reply@amazon.com>
Tue, Oct 20, 2015 at 7:49 AM
Reply-To: "cs-reply+A17YBJALTGAVMO@amazon.com" <cs-reply+A17YBJALTGAVMO@amazon.com>
Your Account
Amazon.com

Hello,
This is James from Amazon. I want to make sure that closing your Amazon.com account won't cause problems
with any open transactions or other websites you might visit.
-- If you use your Amazon.com log-in on other sites (e.g., MYHABIT.com, Audible.com, international Amazon
sites except for Amazon.cn/ and Amazon.co.jp, etc.), you'll also lose access to those accounts.
-- If you've placed orders on AmazonLocal, you'll no longer have access to your vouchers.
-- If you have a remaining Amazon.com Gift Card or promotional credit balance, you won't have access to use
the funds.
-- You won't be able to initiate Textbook Rental returns and will remain responsible for outstanding rentals.
--We will delete your customer profile as well as all your reviews, discussion posts and customer images.
-- You'll no longer have access to your Associates, Amazon Web Services, Seller, Author Central, Kindle Direct
Publishing and/or Mechanical Turk accounts.
-- If you have an Amazon Web Services account, please contact AWS customer support for assistance with
closing your AWS account :
11/30/2015 12:38 AM
If you still want to close your Amazon.com account after reviewing the items above, please write back by visiting
this link and state that you want to close your account:
https://www.amazon.com/gp/help/rsvp/rsvp-mi.html?q=acc1
We'd appreciate your feedback. Please use the links below to tell us about your experience today.
Best regards,
James H.
Did I solve your problem?

Yes
No
Your feedback is helping us build Earth's Most Customer-Centric Company.

Thank you.
Amazon.com

Tue, Oct 20, 2015 at 8:15 AM
To: "cs-reply+A17YBJALTGAVMO@amazon.com" <cs-reply+A17YBJALTGAVMO@amazon.com>
Cancel my Amazon account. Your vendor Focus Camera cannot respond to my emails because of a number of
Jewish holidays, according to their automated responses. The last such religious holiday, Sukkoth, ended October 7,
2015 according to their automated response. That was almost two weeks ago. I entered this transaction with a
business, not a religion. Heck, Im not even Jewish. So I cannot observe these religious holidays as part of a
business transaction. In order to assure Order: 112-6608819-8161000 is canceled, I am closing my Amazon
account. I have no faith whatsoever in Amazon resolving this matter.
There is currently $190.11 due me on an Amazon gift card that Amazon refuses to refund. Amazon says I will loose
the $190.11 gift card balance once my Amazon account is closed. I object to that policy. I purchased the Amazon gift
cards at Lowes, on a Lowes credit card. I was told by Amazon to dispute the $190.11 gift card balance amount
through the Lowes credit card, which is offered through Synchrony Bank, same as the Amazon credit card. Fine. I
also closed my Amazon credit card today. I will probably close my Lowes credit card also.
Neil Gillespie
8092 SW 115th Loop
Ocala, FL 34481
occupant, dissolvetfb@gmail.com
11/30/2015 12:38 AM
UPS: RETURN TO
SENDER-REFUSED
1ZA86T961313801760
SEE ATTACHED NOTE
UPS: RETURN TO
SENDER-REFUSED
1ZA86T961313801760
17
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Scheduled Delivery:
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NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA, FL, 34481, US
From:
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PHOENIX, AZ, US
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10/20/2015 6:00 A.M. Arrival Scan
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370161052
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DWZV52Y0B
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Neil Gillespie
From:
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Sent:
Subject:
"UPS My Choice" <mcinfo@ups.com>

Tuesday, October 20, 2015 3:23 PM
Your UPS Package was delivered
UPS My Choice
Hi Neil, your package has been delivered.
Delivery Date:
Tuesday, 10/20/2015
Delivery Time:
Left At:
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PACKAGE(S) fROM/PAQUm(S) 0'
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Track your package(s) at up5.Com- using the InfoNalice number (provided below), or see the back for more details.
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para (onocer mas detalles.

Package(s) will be delivered 10 a UPSAu:sPobrt'"' location; you will need to pick up your package(s) at:
Sues) paquete(s) se entregara(n) en una ubic(lci6n de UPSAa:rssPobtr-; debera recoleclar 5U(S)
paquete(s) en:
lOCAPOH l'WII / SfREfJ AODmS
......./~..m'."
LA
~"'"
/?"f\ V
"I _
l L...-J I
PKkap(s) wlU bt """Kable. thlsloudDntof 7 caRndar claYS/'ll!))
~eN 8QRWI~
L<;:_-,..."..,..
Chock upuom 10 confum pack,ge ""lability pnor to pickup Pac ,g

by 1 p.m. on the next weekday (tlcludlnl holidays)
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. lea aldene PM'''' los de_ delpago.
o Cashier's check or money order only/Cheque de caja 0 giro postal solamente

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22
12/11/2015 8:15 AM
https://mail.google.com/mail/u/0/?ui=2&ik=f0621754b0&view=pt&search=inbox&th=1507f448344e887f&siml=1507f448344e887f
Your Amazon.com Store Card is now ready

1 message
Amazon.com Store Card <account-update@amazon.com>
Reply-To: "Amazon.com Store Card" <account-update@amazon.com>
Mon, Oct 19, 2015 at 4:43 AM
Greetings NEIL GILLESPIE,

Congratulations! Your new Amazon.com Store Card (ending in 3509) has been approved and added to your
Amazon.com account as your default credit card.
Youll receive your Amazon.com Store Card in the mail within 7-10 days. Once you receive it, you can sign up for
online account access at syncbank.com/amazon. With online account access, you can review your Amazon.com
Store Card activity, pay your bills and much more.
How can I upgrade to the Amazon Prime Store Card and start earning 5% Back every day on Amazon.com?
Amazon.com Store Cardholders with an Eligible Amazon Prime membership will be automatically upgraded to the
Amazon Prime Store Card. Your card number and benefits will remain the same, and youll have the option to earn
5% back on Amazon.com purchases every day. Visit amazon.com/storecard for details.
Join Amazon Prime. If you are an invited guest of an Amazon Prime account, you will need to become an Eligible
Prime member to upgrade to the Amazon Prime Store Card.
How do I get my Amazon Gift Card Savings?
A $10 gift card was instantly loaded to your Amazon.com account when your store card application was approved.
You can view your gift card balance at amazon.com/youraccount.
For your protection, if you wish to ship your order to a new address, you must enter the 16-digit card number printed
on your physical card. Please Note: Amazon.com customer service associates do not have access to your complete
credit card number. If you need your card number in advance or have any questions about your Store Card, you may
call Synchrony Bank customer service at 1-866-634-8379, and when asked for your card number, say I dont have
it.
Thanks for choosing the Amazon.com Store Card for your Amazon.com purchases!
Amazon.com
http://www.amazon.com
23
https://www.amazon.com/gp/cobrandcard/application.html?ie=UTF8&ARI=CBUKETU8OR84O62S
Amazon.com Store Card issued by Synchrony Bank

The Synchrony Bank (SYNCB) Privacy Policy governs the use of the Amazon.com Store Card. This privacy policy is different
from the Privacy Policy of Amazon.com.
*Offer details
Access to Promotional Financing Offers*

Zero Fraud Liability*
No Annual Fee*
Current Subtotal:
$1,124.10
Gift Card:
- $10.00
Cost After Savings: $1,114.10
A $10 Amazon.com Gift Card will be instantly loaded into your

Amazon.com account upon the approval of your application*
Tell Us About Yourself
Step 1 of 2
Federal law requires SYNCB to obtain, verify and record information that identifies you when you open an account. We will
use your name, address, date of birth and other information for this purpose.
First Name: Neil
M.I.:
Last Name: Gillespie
A P.O. box cannot be used as a valid address.
Address Line 1: 8092 SW 115th Loop

Address Line 2:
City: Ocala
State:
Zip Code: 34481
Home Phone: 352
854
7807
(You authorize us to contact you at any number you provide.)
Cell Phone:
(optional)
Email: dissolvetfb@gmail.com
Yes, I want to receive e-mails about the Amazon.com Store Card by Synchrony Bank.
Social Security Number: 160
52
5117
1956
Date of Birth:
Mother's Maiden Name: Maiden
Annual Net Income From All Sources: $ 24000
.00
Alimony, child support or separate maintenance income need not be included unless relied upon for credit. You may
include the annual amount that you have available to spend from your assets. Married WI Residents only: If you are
applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial
information.
24
Step 2 of 2
Delivery Method
Online Only
Paper Statement
Please select a delivery method for your billing statement. For 'Online Only', you will receive a monthly email notifying you when you can view your billing
statement online. You will be able to review your electronic statement by logging in to the service site and clicking on the "View Statement" link. For 'Paper
Statement' delivery, you will receive your billing statement in the mail.
Gain peace of mind with Optional Card Security up to $10,000 in protection on your Credit Card
What it does:
Card Security cancels your minimum monthly payment or entire balance up to $10,000 if the following covered events occur:
unemployment
hospitalization
leave of absence
nursing home stay
disability
loss of life
What it costs:
$1.66 per $100 of the ending monthly balance on your account. For example, if your balance was $500, the cost would be $8.30 that
month. See Card Security Debt Cancellation Program Agreement for complete details.
If I choose to purchase Card Security, I understand there are eligibility requirements, conditions, and exclusions that could limit my right to
receive benefits including:
All events must begin after I enroll in the program
I am eligible for benefits due to job loss or leave of absence only if those events occur after I have been enrolled for 30 days
Full-time job - I must have a full-time, year-round job to qualify for balance cancellation in the event of a job loss or leave of absence
Part-time/Seasonal/Self-Employed - I am eligible for the cancellation of up to six minimum monthly payments
Carefully read the agreement for a full explanation of the terms.
Read all of our Frequently Asked Questions here.
I also understand that if I purchase Card Security:

SYNCB will bill my credit card account immediately a monthly fee of $1.66 per $100 of the ending monthly balance on my account
statement
This fee will appear on my statement every month and will be charged even if I pay the statement balance in full
I understand that Card Security is optional, and whether or not I purchase the product will not affect my application for credit or my
credit terms
I may cancel at any time
Residents of MS are not eligible
Click here to print the Card Security Debt Cancellation Program Agreement
Card Security Debt Cancellation Program Agreement

This document contains IMPORTANT INFORMATION about how to qualify for a benefit and why you may not receive a
benefit.
DEFINITIONS
Agreement means this Card Security Debt Cancellation Program Agreement.
We, Us or Our means Synchrony Bank.
Account means your Amazon.com Store Card account provided by Us.
You, or Your means either the primary accountholder, the first name that appears on Your monthly Account statement
or joint accountholder, the second name that appears on Your Account statement. For the purpose of determining a
Covered Event only You or Your also includes authorized users on the Account Authorized users may not request
Yes, I want to purchase the optional Card Security program and this qualifies as my signature. I have read and agree to
the terms of the agreement.
Terms and Conditions for the Amazon.com Store Card

Important Information: Please see below for Credit Terms and Consent to Electronic Communications. Download and Print
these disclosures.
SYNCHRONY BANK
RATES AND FEES TABLE
AMAZON.COM STORE CARD ACCOUNT
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
How to Avoid Paying
Interest on Purchases
25.99%
This APR will vary with the market based on the Prime Rate.
Your due date is at least 23 days after the close of each billing cycle. We will not
charge you any interest on purchases if you pay your entire balance by the due date
each month.
By applying for this account, I am asking Synchrony Bank ("SYNCB") to issue me an Amazon.com Store Card (the "Card"),
and I agree that:
1. I am providing the information in this application to SYNCB and to Amazon.com Services LLC and its affiliates. SYNCB may
provide information about me (even if my application is declined) to Amazon.com Services LLC and its affiliates so that they
can create and update their records, and provide me with service and special offers.
2. SYNCB may obtain information from Amazon.com and others about me (including requesting reports from consumer reporting
agencies and other sources) to evaluate my application, and to review, maintain or collect my account.
3. I consent to SYNCB and any other owner or servicer of my account contacting me about my account, including using any
contact information or cell phone numbers I provide, and I consent to the use of any automatic telephone dialing system and/or
an artificial or prerecorded voice when contacting me, even if I am charged for the call under my phone plan.
4. I have read and agree to the credit terms and other disclosures in this application, and I understand that if my application is
approved, the Amazon.com Store Card credit card agreement ("Agreement") will be sent to me and will govern my account.
Among other things, the Agreement: (1) includes a dispute and claim resolution provision (including arbitration) that
limits my rights unless I reject the provision by following the provision's instructions; and (2) makes each applicant
responsible for paying the entire amount of the credit extended.
I agree that I have read and agree to the above provisions, the Credit Terms and the Consent to Electronic
Communications. confirming my acceptance to receive communications electronically set forth above. Clicking 'Submit application'
constitutes my electronic signature.
Cancel application and continue shopping
VIA USPS No. 9405503699300204105753
December 3, 2015
Synchrony Bank
P.O. Box 965012
TAKE NOTICE that Neil J. Gillespie REJECTS THE ARBITRATION SECTION of Synchrony
Bank / Amazon.com credit card acct. # 6045781077313509
Synchrony Bank / Amazon.com credit card account # 6045781077313509 was approved on
October 19, 2015, and closed October 20, 2015.
As of today Synchrony Bank /Amazon.com has not provided a physical credit card. Synchrony
Bank /Amazon.com has not provided any of the required new credit card consumer disclosures.
I, Neil J. Gillespie, hereby give notice to Synchrony Bank/ Amazon.com that I reject the
Arbitration section of my Synchrony Bank/ Amazon.com credit card Agreement. I rejected this
section within 60 days after I open my account by written notice including my name, address and
account number, and mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012.
Because Synchrony Bank / Amazon.com failed to provide the required new credit card consumer
disclosures, I got the address to reject the Arbitration section of my Synchrony Bank/
Amazon.com credit card Agreement online from a Synchrony Financial document found online
at the URL shown below, see How to reject this section:
How to reject this section
You may reject this Arbitration section of your Agreement. If you do that, only a court
may be used to resolve any dispute or claim. To reject this section, you must send us a
notice within 60 days after you open your account or we first provided you with your
right to reject this section. The notice must include your name, address and account
number, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 328965012. This is the only way you can reject this section.
http://www.ocomfort.com/wp-content/uploads/2012/06/Synchrony-Application.pdf
Enclosed you will find my written notice to reject the Arbitration section of my Agreement.
If this is not the correct address to reject the Arbitration section of my Agreement, I request
Synchrony Bank / Amazon.com provide the correct address immediately. I request Synchrony
Bank/ Amazon.com provide the required new credit card consumer disclosures immediately.
Neil J. Gillespie
8092 SW 115th Loop
Tel. 352-854-7807
25
P
usps.com
Flat Rate Env
062S0000000101
Click-N-Ship
Mailed from 34481
Commercial Base Pricing
9405 5036 9930 0204 1057 53 0050 5000 0023 2896

$5.05
US POSTAGE
12/03/15
0006
Expected Delivery Date: 12/07/15
B099
PRIORITY MAIL 2-DAY
NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481-3567
Carrier -- Leave if No Response
SHIP
TO:
ORLANDO FL 32896-5012
SYNCHRONY BANK
PO BOX 965012
USPS TRACKING #
9405 5036 9930 0204 1057 53
Electronic Rate Approved #038555749
Cut on dotted line.
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1. Each Click-N-Ship label is unique. Labels are to be
USPS TRACKING # :
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9405 5036 9930 0204 1057 53

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356822889
12/03/2015
12/03/2015
Priority Mail Postage:

Total
$5.05
$5.05
12/07/2015
NEIL GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481-3567
SYNCHRONY BANK
PO BOX 965012
* Commercial Base Pricing Priority Mail rates apply. There is no fee for USPS
Tracking service on Priority Mail service with use of this electronic rate shipping
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Thank you for shipping with the United States Postal Service!
Check the status of your shipment on the USPS Tracking page at usps.com
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
<USPS_Shipping_Services@usps.com>
Thursday, December 03, 2015 6:03 PM
USPS - Click-N-Ship(R) Payment Confirmation
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Thanks for shipping with us, NEIL GILLESPIE!
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Ship Again, track your package, or request a refund.
Click-N-Ship Payment Details

Acct #: 53003279
Transaction Number: 356822889
Transaction Date/Time: 12/03/2015 04:33 PM CST
Transaction Amount: $5.05
Payment Method: MC-3742
Priority Mail 2-Day
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9405 5036 9930 0204 1057 53 (Sequence Number 1 of 1)
Scheduled Delivery Date: 12/07/2015
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PO BOX 965012
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DATE & TIME
STATUS OF ITEM
LOCATION
December 7, 2015 , 1:07

pm
Delivered, Individual
Picked Up at Postal Facility
ORLANDO, FL 32896
Your item was picked up at a postal facility at 1:07 pm on December 7, 2015 in ORLANDO, FL 32896.
December 7, 2015 , 1:02 pm
ORLANDO, FL 32862
December 5, 2015 , 4:41 pm

Facility
ORLANDO, FL 32824
December 4, 2015 , 10:41

pm
Arrived at USPS Facility
December 4, 2015 , 3:50 pm
Acceptance
OCALA, FL 34474
December 4, 2015
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12/7/2015 9:18 PM
Image of the Lowes Home Center LLC / Synchrony Bank credit card for Neil J. Gillespie.
Lowes Home Center LLC / Synchrony Bank account number 819 2610 6350825 for
Neil J. Gillespie. I voluntarily closed this account on or about November 28, 2015.
26
LDWE~
LOWE'S HOME CENTERS, LLC
7575 SW 90TH STREET
OCALA FL 34476 (352) 861-3900
- SALE
SALES.: S2153JW2 964311
651923
651825
651825
63001
407586
552116
651918
651918
651918
407284
348758
TRANS' : 14524015 10-10 -15
BONEFISH UAR (25.. 500) 86

AMAZON. COM S100 5641
AMAZON. COM S100 3875
RUBY TUESDAY $50 9872
STEAK 'N SHAkE25 0943
BURGER KING 25 6458
SHELL OIL S50 6457
SHELL OIL $50 4140
SHEll OIL S50 6465
BP 25 4621
CR FINANCE OFFER APPL lED
15.00
100.00
100.00
50.00
25.00
25.00
50.00
50.00
50.00
25.00
0.00 N
550.00
0.00
550.00
550.00
SUBTOTAL:
TOTAL TAX:
INVOICE 14343 TOTAL:
Lce:
lee: XXXXXXXXXXXX0825 AMOUNT: 550 00 AU THCD :000915

SWIPED REFID:524044275314 10110/15 20:40:44
STORE: 2753
TERMINAL: 14
10/10/15 20:40:58
OF ITEMS PURCHASED:
10
EXCLUDES FEES, SERUICES AND SPECIAL ORDER ITEMS
111111111111111111111111111
THANK YOU FOR SHOPPIN8 LOWE IS.
SEE REUERSE SIDE FOR RETURN POLICY.
STORE MANAGER: JOE JUSTICE
WE HAUE THE LOWEST PR ICES GUARANTEED!
IF YOU FIND A LOWER PRICE. WE WILL BEAT IT BY 10%.
SEE STORE fOR DETAILS.
********************************************************
YOUR OPINIONS COUNT!
*
REGISTER FOR ACIIAII:E TO 1111 A
$5.000 L.S 8IFT CARD!
* 'j REGISTRESE PARA TENER LA OPORTUNIDAD DE GANAR UNA *
* TARJETA DE REBALO DE LOWE S DE $5000!

*
** REGISTER BV COMPLETIN8 A QUEST SATISFACTION SURVEY **
I
WITHIN ONE WEEK AT: IIww.lowes.col/survev
*
YOU RID I 14343 2153 283
*
NO PURCHASE NECESSARY TO ENTER OR WIN.
* UOID WHERE PROHIBITED. MUST BE 18 OR OLDER TO ENTER. *
* OFFICIAL RULES & WINNERS AT: """.lowes.cul/surveY *
********************************************************
srlllE: 2753 TERMINAL: 14 10/10/15 20:40:58
27
LDWE~
LDWE~
LOWE'S HOME CENTERS. LLC
7575 SW 90TH STREET
OCALA. FL 34476 (352) 861-3900
LOWE'S HOME CENTERS. LLC
7575 SW 90rH STREET
OCALA. FL 34476 (352) 861-3900
-GIFT CARP ACTIUATION

SALES .: S2753JW2 964371 10-10-15
-GIFT CARD ACTIUATION

SALES .: S2753JW2 964371 10-10-15
651825 AMAZON. COM $100 3875

100.00
CARD.: XXXXXXXXXXXXXXX3875
APPRO~l>i1 CODE: 421217
ACTIUATIUN AMOUNT: 100.00
STORE: 2753 TERNINAL: 14 10/10/1520:41:08
651825 AMAZON. COM $100 5641

100.00
CARD.: XXXXXXXXXXXXXXX5641
APPROUAL CODE: 965188
ACTIUATION AMOUNT: 100.00
STORE: 2753 TERMINAL: 14 10/10/15 20:41:08
***********************************
THANK YOU FOR SHOPPING LOWE'S.
***********************************
THANK YOU FOR SHOPPIN8 LOWE'S.
PLEASE KEEP FOO YlR RECOOOS
PLEASE KEEP FOR YOUR RECORDS
REFUNDS OR EXCHAN6ES WILL NOT BE GIUEN ON ACTIVATED
61FT CARDS. EXCEPT WHERE REQUIRED BY LAW
STORE MANAGER: JOE JUSTICE
REFUNDS OR EXCHAN8ES WILL NOT BE GIUEN ON ACTIUATED
GIFT CARDS. EXCEPT WHERE REQUIRED BY LAW
STORE MANAUER: JOE JUSTICE
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28
Final Details for Order #112-9281401-0938669

Seller's order number: R290M4011AZA
Order Total: $0.00
Shipped on October 19, 2015

Items Ordered
2 of: Mibro 241120 7 Piece Kwik Start High Speed Drill Bit Set
Sold by: Farm & Home Supply Center (seller profile)
Price
$6.49
Condition: New
Shipping Address:
Occupant
8092 SW 115TH LOOP
OCALA, FL 34481-3567
United States
Shipping Speed:
Standard
Item(s) Subtotal: $12.98

Shipping & Handling: $6.91
----Total before tax: $19.89
Sales Tax: $0.00
Gift Card Amount: -$19.89
----Total for This Shipment: $0.00
Total paid by Gift Card:-$19.89
-----
Payment information
Payment Method:
Gift Card
Billing address
Occupant
8092 SW 115TH LOOP
OCALA, FL 34481-3567
United States

Shipping & Handling: $6.91
Estimated tax to be collected: $0.00
Gift Card Amount:-$19.89
----Grand Total: $0.00

29
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today at Lowes.com/credit
Manage your account online from your
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2015 Lowe's. LOWE'S and Gable Mansard Design are registered trademarks of LF. LLC.
Lowe's@ Credit
Card Account
NEIL J GILLESPIE
81926106350825
Account Number
.'f>,,,,','... \;jf_;~"_~i
Previous Balance
Visit us at www.lowes.com/credit
Customer Service: 1-800-444-1408
p:, .. ~
$0.00
- Payments
- Other Credits
$113.39
$0.00
+ Purchases/Debits
$1,486.25
+ Fees Charged
$0.00
$0.00
+ Interest Charged
New Balance
$1,372.86
Credit Limit
Available Credit
Statement Closing Date
$2,000.00
$512.00
10/25/2015
31
Days in Billing Cycle
New
,372.86
Total Minimum Payment Due

Payment Due Date
$25.00
11/17/2015
Late Payment Warning: If we do not receive your Total

Minimum Payment Due by the Payment Due 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 payoff your balance. For example:
. al~:~~
~~,.----..,..~
Only the minimum

payment
10
years
$55.00
3 years
$3,379.00
$1,965.00
(SaVings
$1,414.00)
If you would like information about credit counseling
services, call 1-8n-302-8775.
YOU HAVE A DEFERRED INTEREST PROMOTION(S) EXPIRING ON 10/25/16. 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.
PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE.
NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
7009
0004 X5G
ZZ
PAGE 1 of 3
151025
9294
0010
SOli
D1DN7009
54188
Detach and mail this portion with your check. Do not include any correspondence with your check.
$25.00
11/17/2015
Payment Enclosed:
Please use blue or black ink.
11111111111111 1I11111111
~IIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
NEIL J GILLESPIE
8092 SW 115TH LOOP
OCALA FL 34481 -3567
$DDDDD.DD
New address or email? Print changes on back.
54188
E110
I111111I11111I11111111111111111111111111111111111111111111I1IIIII
Make Payment to: LOWE'S/SYNCHRONY BANK
P.O. BOX 530914
ATLANTA, GA 30353-0914
00025000011339 000250000137286
000798192
6106350 82503
30
--
----=
Customer Service: For account information. call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless
your name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to:
P.O. Box 985004, Orlando, FL 328985004. Please include your account number on any correspondence you send to us.
Payments: Send payments to the address listed on the remit portion of this statement or pay online.
Notice: See below for your Billing Rights and other important information. Telephoni~g_~bout billing errors will not preserve your rights under federal
law. To preserve your rights, please write to our Billing Inquiries Address, PO. Box 965003, Orlando, FL 32896-5003.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as
payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from
your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may
choose not to have your payment collected electronically by sending your payment (with the payment stub), In your own envelope - not
the enclosed window envelope, addressed to: P.O. Box 980"097, Orlando, FL 32898-0097 and not the Payment Address.
What To Do "You Think You Find AMistake On Your Statement
reported inaccurate information about you to a consumer reporting agency,

please <?Ont~ us ~ P.O. Box ~5, 9ria ncb, FL 3289&5005. In <:bing.~,
please Identify the Inaccurate information and tell us why you beheve It IS
~oorr~. If you hav~ a <XfJy of the cred~ report that incllXies the. inaccurate
,"formatIOn, please Include a oopy of that report. We may report Information
cbout your account to credt bureaus. Late payments, missed payments, or
other defaults on your account may be reflected in your credit report.
Balance Subject To Interest Charge Calculation
Method 2D (Daily Balance method): We figure the interest charge on
your account by applying the periodic rate to the lldaily balance" of your
accoont for each day, in ~he billing C'jcle. We then add .1~ interest to the daily
tl:Ilance. To get the ~I~ .baiance we ~~ the beglnnmg balance of your
account ~ch <tJy (which Incll.KEs u~ Interest), add any ~ ~rges,
and applicct>1e fees, and sutiract any payments or cred1s. ThIS gives us
1he daily balance. Any daily balance of less than zero will be treated as
zero. A separate daily balance will be calculated for each balance type on
your account. The balance(s) shown in the Interest Cha!"9es sec1:ion this
statement is the sum rJ the dai~ balances for each day In the billing cycle
dviood by the number of days in the billing cyde.
Method 211 (Average Daily Balance including current transactions): We
figure 1he interest charge on your account by applying the periodic rate to the
'average daily balance- of your account. To get the 'average daily balancewe take the beginning balance of your acmunt each day. which includes any
urpaid interest charges from the previous bdling cycle. add any new charges.
and awlicab1e fees and subtract any payments or credrts. This gives us the
~i~y balance. Then, we add up all the ~Iy baI~s for the ~llin9 q'c1e and
?vide the 1~al by the n"um~r ~ days In 1he billing ~de. ThIS gives us the
av~rage <B!'Y balance, which IS the bata,nee shown In the Interest Charges
section of thiS statement. Any average dally balance cj less than zero will be
1reated as zero. A separate average daily balance will be calculated for each
balance type on your account
Method 3D (Daily Balance excluding current transactions): We figure
1he interest charge on your account by a~ying the periodic rate to the ldaily
lxJlance' ri your account for eadl ciJy in the bining cycle. To get the Idaily
balancewe ta<e the beginning balance of your account each day, add
any interest and ~Iicable fees and subtract any payments or credits. We
<h not add in any new c~rges. This gives us the daily oolance. Any. daily
balance of less than z~ro WIll ~ treated as z~ro. The balance(s) ~hown In the
Interest Charges sectIOn of thiS statement IS the sum ci the dally balances
for each cEy in the ~illing cycle di~ided by the number of days in the billing
cyde. A separate dally balance Win be calculated for each balance type on
your acmunt.
Method 5 (Average Dally Balance excluding current transactions and
unpaid ~nterest ~a'.9es): We figure the int~s1 dwge on your accoont
by ~lng the penodlC rate to the Gaverage dally balance of your account.
To get the laverage daily balancewe take the beginning balance of your
account each day, add appIicet>le fees and subtract any payments, credits
and unpaid interest charges from the previous billing cyde. We 00 not add
in any new charges. This gives us the daily balance. Then, we add ~ all
1he ~ily ba\a~s for the bil.ling .cycte and d~vi<Jl the tot~ by the nUlJlber: d
~ys In the bIlling cycl~. This gives us the average. dally bal.ance, which
IS the balance s.hown In the Interest Charges s.edlon of thiS statement.
Any average dally ~alance of Ie~ than zero will be 'treated as zero. A
separate average dally balance Will be calculated for each balance type on
your account.
.
Metho~ 6 (Av~~ DaUy Balance including cur~ent transactions and
exdudmg unp.~ mterest ~harges): We fiQure the Int~ char~ on your
account by applYlng}he periodc. rate to t~ average dally ~Ia~ce of your
account. To get the average dally balance we take the beginning balance
ri your account each day, add any n~ ?harges and a~hc3>le fees .and
s~~trad any pa~m~, credts a~ unpaId Interest charges from the prevlOt:Js
billing cycle. ThIS .g.lves us the da~ly. balance. Then, we add LP all the. dally
~~nces for th~ bin.lng Cfde a~ civlcE the .total by the.nu~be~ of days In the
billing cyde. ThiS gives us the aver~ge dally balance. which IS the balan~e
shown In the Interest Cha~s section of thiS statement Any average da!ly
balance o~ less than zero WIll be treated as zero. A separate average dally
balance Will be calculated for ooch balance type on your account.
~ta:uptcy Notice: If you file b:1r1<n.ptcy you must send us noti~,
ncluding acc~unt number and all Information r~ated to the proceeding
10 the follOWing address: Synchrony Bank, Attn: Bankruptcy Dept.,
P.O. Box 960060, Orlando, FL32896-ffflO.
Your account is owned and serviced by Synclrony Banlt
If you think there is an error on your statement, write to us at the

Billing Inquiries Aooress of:
Synchrony Bank
P.O. Box 005003" Orlanoo, R. 32~~5003 .
in your letter, gIVe us the following Information:
Account infonnation: Your name and account number.

Dollwamount' The dollar amount of the suspected error.
Description d Problem: If you think there is an error on your bill, descrbe
what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on
your statement.'
.
,..
. You must notify LIS of any poten~lal err:ors In wntlfYJ. Y~IJ may call us, but
if you do we are not requl~ to In~estlgate any potentral errors and you
may ~ve t~ pay t~e amount In question.
.
While we Investigate whether or not there has been an error, the follOWing
are true:
'. We cannot try to collect the amount in question, or report you as
delinquent on that amount.
The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, l we determine that
we made a mistake, you will not have to pay the amount in question or any
interest or cther fees related to that amount.
White yoo do not have to pay the amount in question, yoo are responsible
for the remainder of your balance.
We can apply any unpaid amount against your credit limrt.
Your RIghts If You Are Dissatisfied With Your CredIt Card Purchases
If you are dssatisfied with the goods or services that you have purchased
~th your credn card, and you have trie~ in good faith to corr~ t~ problem
WIth the merchant, you may have the nght not to pay the remainIng amount
due on the ~~chase.
.
To use this nght, all of the follOWIng must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have
been more than $50. (~te: Nerther of these are ne~sary if your purchase
was based on an advertisement we mailed 10 you, or If we own the company
that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or wtth a check that accesses your credn
card account 00 not qualify.
3. You must not yet have fully paid for the purchase.
. .
. ..
.
If all of the criteria .~~ are met and yoo are st,1I dissatisfied wrth the
purchase, contact us In wntmg at
Synchrony Bank
P.O. Box 96f003, Orlando, FL 3289&-5003
While we investigate, the same rules app~ to the disputed amount
as discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Infonnation About Payments: You may at any time pay, in whole or
in part, the total unpaid balance without any additional charge for
prepayment. Payments received after 5:00 p.m. (ET) on any day will be
credited as of the next day. Credtt to your Account may be delayed up to five
days if payment (a) is not received a1 the Payment Ackjress, (b) is not made
in U.S. dollars drawn on a U.S. financial instttution located in the U.S., (c)
is not accompanied by the remittance coupon attached to your statement,
(d) contains more than one payment or rernrttance coupon, (e) is not received
in the remittance envelope provided or (~ includes staples, paper clips, tape,
a folded check) or correspondence of any type. CcnJitiona/ Payments: All
written communications concerning dsputed amounts, including any check
or other payment instrument that: (i) indicates that the paymem const~utes
Ipayment in fuW or is tendered as fun satisfadion of adisputed amount; or (ii)
is tendered with other condtions or Iimrtations fDisputed Payments"), must
be mailed or delivered to us at PO. Box 965003, Orlando, FL 32896-5003.
Credits To Your Account: An amount shown in parentheses or preceded
by a minus (-) sign is a credit or credrt balance unless otherwise indcated.
Credits will be applied to your previous balance immediately upon receipt,
but will not satisfy any r~ired payment that may be due.
Credit Reports And Account Information: If you believe that we have
--=.
==
iiiiiiii
iii
_
!!!!!
!!!!!
=
-
II
====
=
-
........................................................
"'
ll
01DN7009 - 1- 06119114
This is an attempt to collect a debt and any information obtained will be used for that purpose.
*By providing a telephone number on your account, you consent to Synchrony Bank and any other owner or servicer of your account contacting
you about your account, induding using any contac1 information or cell phone numbers you provide, and you consent to the use of any automatic
telephone dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Street
Address
City, State
ZIP
Phone #
Email
Home Phone #
Business Phone #
Cell # or other phone #
we can use to contact you

By providing your ema.il address, you agree to receive email communications about your account
and also give permission for us to share your email address with Lowe's.
Email Address
0/0
MONTHS
SPECIAL FINANCING
OFF
$299 rninimum purchase required
EVERY DAY
Valid 11/5/15 ... 11/11/15
When you us. your Low.. Consumer Credit Card
...
I
The terms that apply to your promotional purchase(s) are as follows:
UL-
INTEREST: To
l"':U
L-
paying Accrued
Interest Charges on a DEFERRED INTEREST promotion, you must pay at least your minimum payment due, if any, each
month and the entire applicable Payoff Amount by the promotion Expiration Date. For each promotion, after a promotion ends or
is terminated, non-promotional account terms will apply. To make more than one payment, you can pay online at the online
address stated above or you can ma.il in your payment to the address on the remit stub. This address is also available from our
automated customer service system.
Billed
Accrued
Purchase
Purchase
INTEREST
Payoff
Expiration
INTEREST
Date
Amount
Promotion Type
CHARGES
Amount
Date
CHARGES
10/10/2015
$550.00
Tran Date Post Date

09/26
Reg Deferred InterestlWith Pay
Reference Nurrlber/
Invoice Number
09/26
14946
$0.00
$0.00
$550.00
10/25/2016
Amount
Description of Transaction or Credit
$88.55
STORE 2753 OCALA FL

-, HANDHELDS
TOOLS SCREWDRIVERS
TOOLS PLIERS AND WRENCHES
TOOLS - UTILITY KNIVES AND SNIPS
TOOLS - UTILITY KNIVES AND SNIPS
TOOLS-HAMMERS IMPORT
09/28
14998
09128
$24.84
STORE 2753 OCALA FL

., RUGS PROMO BUYS
FLEXIBLE FITIINGS, PROMOTIONAL DISCOUNT
10/02
10/02
10/10
10/10
PAYMENT - THANK YOU

14343
OCALA
($113.39)
FL
$550.00
STORE 2753 OCALA FL

REG DEFERRED INTERESTIWITH PAY
ALLIANCE GIFT CARDS ASSORTMENT
10/10
23668
10/10
$1.59
STORE 2753 OCALA FL

-, WOOD RULES
PROMOTIONAL DISCOUNT
10/14
10/14
93357
$602.19
STORE 2753 OCALA FL

-, HOTPOINT TL WAHERS
HOTPOINT TL DRYERS
10/23
23647
10/23
$132.19
STORE 2753 OCALA FL
-I

TOOLS .. SCREWDRIVER, RODS
10/24
10/24
09279
$13.67
STORE 2753 OCALA FL

-, BLEACH
AERATORS & SINK SPRAYS
10/24
10/24
23947
$73.22
STORE 2753 OCALA FL

-, TOOLS - HAMMERS
TOOLS .. SCREWDRIVER, SHOWER LINERS
GRASS & WEED KILLER
ORGANIC CHEMICALS - OUTDOOR
TOOLS .. HAMMERS IMPORT
FEES
$0.00
TOTAL FEES FOR THIS PERIOD

'(Continued on next page)
7009
0004 )(SG
22
151025
PAGE 2 of 3
9294
0010
SOlI
OlDN7009
54188
*,**Subject to credit approval Exclusions apply to 50/0 Off offer. Minimum monthly payments required for Special Rnancing.1f your purchase is
over the minimum required, you will be asked to select the offer you would like. Special Financing, 50/0 Off or any other credit related discount offer
cannot be combined. see in-store disclosure slip for details.
2015 Lowe's. LOWE'S and Gable Mansard Design are registered trademarks of LF, LLC.
--
--
-=
---
Tran Date Post Date
10/25
Reference Numberl
Invoice Number
10/25
--
--
Amount
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
$0.00
TOTAL INTEREST FOR THIS PERIOD
$0.00
Total Fees Charged in 2015
!!!!!
Description of Transaction or Credit
$0.00
Total Interest Charged in 2015
$0.00
Total Interest Paid in 2015
$0.00
iii
!!!!!
!!!
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
!!!!
Annual
Percentage Rate
24.990/0
24.990/0
Type of Balance
RegUlar Purchases
Reg Deferred InterestlWith Pa
Balance SUbject
To Interest Rate
$0.00
$0.00
You may be offered one of the following promotions when you make a qualifying Lowe's credit card purchase: No Interest if
Paid in Full within 6, 12, 18 or 24 months. Under each promotion, no interest will be assessed on the purchase if you pay the
promotionaJ purchase in full within the applicable promo period. If you do not, interest will be imposed on the purchase from
the date of purchase at a rate of 24.99%. Minimum monthly payments required. Some or all of the minimum payment based
on the promotional balance may be applied to other account balances. Offers SUbject to credit approval. Offers not available
at all times for all purchases. Offer dates and other terms will be disclosed in promotional advertising. RegUlar account terms
apply to nonpromo purchases and, after promotion ends, to promo purchases. Cannot be combined wittJ other credit related
promotional offers.
If your account has a deferred interest promotion and you would like us to apply a payment on your account in a different
way, please call Customer Service to discuss other options that may be available.
Please Note: When contacting the Lowe's Credit Center, you must be listed as an account owner to obtain information about
the account. We cannot disclose information to authorized users or third parties.
Monitor your account 2417. Enroll in free eServicing at www.lowescredit.com and take advantage of the easy way to: view
recent transactions, check your balance, update personal information and much more.
Moving? Visit Lowesmoving.com for tools, tips and valuable offers to make your move easier.
Don't get caught by an email scam. Occasionally criminals send emails that look like they're from a retailer bank or other
financial institution. This scam is called phishing. Phishing emails can look aJmost identical to real emails from Synchrony
Bank. The emails try to trick people into revealing credit card or bank account numbers.
I
Taking these four steps can protect you from fraud and identity theft. 1) Never respond to an email with your account or
social security number. 2) Upgrade to the latest Internet browsers and use anti-virus and anti-spyware software. 3) Know your
account status. Don't be fooled by false claims that it is in jeopardy. 4) Remember, Synchrony Bank emails regarding your
account will always display the last four digits of your account number and never ask for confidential information.
7009
0004 X5G
ZZ
lS10Z5
PAGE 3 of 3
9Z94
0010
SOli
DIDN7009
54188
Details for Order #112-0323205-3617807

Order Total: $0.00

Items Ordered
1 of: New Balance Men's M990V3 Running Shoe, Denim Blue/Grey, 11.5 D US
Sold by: 6pm, LLC (seller profile)
Price
$115.99
Condition: New
Shipping Address:
Occupant
8092 SW 115TH LOOP
OCALA, FL 34481-3567
United States
Shipping Speed:
FREE Shipping

$5.48
Free Shipping:
-$5.48
Sales Tax:
$6.96
Gift Card Amount: -$122.95
----Total for This Shipment:
$0.00
Total paid by Gift Card:-$122.95
-----
Payment information
Payment Method:
Gift Card
Billing address
Occupant
8092 SW 115TH LOOP
OCALA, FL 34481-3567
United States

$5.48
Free Shipping: -$5.48
Estimated tax to be collected:
$6.96
Gift Card Amount:-$122.95
----Grand Total:
$0.00

31
https://www.amazon.com/gp/your-account/order-history/ref=oh_aui_menu_cancelled?ie=UTF8&orderFilter=cancelled
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October 18, 2015
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Occupant
ORDER # 112-0323205-3617807
Cancelled
New Balance Men's M990V3 Running Shoe, Denim Blue/Grey, 11.5 D US
Sold by: 6pm, LLC
$0.00
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Privacy Notice
Interest-Based Ads 1996-2015, Amazon.com, Inc. or its affiliates
http://www.worldjewishcongress.org/en/news/don-t-sell-books-that-deny-the-holocaust-wjc-urges-amazon-com?printable=true
Thu, 17 Oct 2013

NEW YORK The World Jewish Congress today
demanded that Amazon.com remove from its
website books that deny the Holocaust and
promote anti-Semitism and white supremacy.
"No one should profit from the sale of such vile
and offensive hate literature. Many Holocaust
survivors are deeply offended by the fact that
the worlds largest online retailer is making
money from selling such material," WJC
Executive Vice President Robert Singer wrote in
a letter to Amazon CEO Jeff Bezos.
"We are shocked and disgusted that Amazon has not
yet removed these items, which came to light in
news reports on October 14, Singer said.
Screenshot of Amazon.com webpage, 17 October 2013
Amazon.coms vending of hate literature was e (http://www.kernelmag.com/features/report/exclusive/6086/new-amazonshame-holocaust-denial/)xposed by 'The Kernel', a British web publication (http://www.kernelmag.com/features/report
/exclusive/6086/new-amazon-shame-holocaust-denial/).
In April 2008, the WJC asked Amazon.com to remove merchandise that glorified the Nazi regime. At the time, the firm
complied (http://www.internetretailer.com/mobile/2008/04/25/amazon-removes-i-love-hitler-t-shirts-following-protests).
Full text of Robert Singers letter to Jeff Bezos:
Jeffrey Bezos
Chairman & CEO
Amazon.com
By email
Dear Mr. Bezos,
It has come to our attention that Amazon.com is selling books that deny the Holocaust and promote anti-Semitism and
white supremacy. According to reports and our own investigation, these materials are even available to customers in
countries such as France, Germany and Austria, where Holocaust denial is a crime and such texts are banned.
Amazons own policy on offensive materials states: What we deem offensive is probably about what you would expect.
This includes items such as crime-scene photos or human organs and body parts. Amazon.com reserves the right to
determine the appropriateness of items sold on our site. Also, be aware of cultural differences and sensitivities. Some
items may be acceptable in one country, but unacceptable in another. Please keep in mind our global community of
32
http://www.worldjewishcongress.org/en/news/don-t-sell-books-that-deny-the-holocaust-wjc-urges-amazon-com?printable=true
customers.
No one should profit from the sale of such vile and offensive hate literature. Many Holocaust survivors are deeply
offended by the fact that the worlds largest online retailer is making money from selling such material. We are shocked
and disgusted that Amazon has not yet removed these items, which came to light in news reports on October 14.
Please remove these items forthwith.
Sincerely,
Robert Singer
Executive Vice President & CEO
World Jewish Congress
Story from http://www.worldjewishcongress.org/en/news/don-t-sell-books-that-deny-the-holocaust-wjc-urges-amazoncom?printable=true

1700 G Street, NW
December 21, 2015
Re: Letter December 17, 2015 - Amazon.com, Synchrony Bank and Focus Camera
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.

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
Tel. 352-854-7807

1700 G Street, NW
VIA UPS No. 1Z64589FP190339784

1275 First Street, NE
VIA UPS No. 1Z64589FP191373379

P.O. Box 4503
Iowa City, Iowa 52244

Jeff Bezos, Chairman & CEO, et al.
Seattle, WA 98109
VIA Email: jeff@amazon.com
Synchrony Bank
Draper, Utah 84020
VIA UPS No. 1Z64589FP292808593
1000 Lowes Blvd.
Atlanta, GA 30328
VIA Email: customer.service@ups.com
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
Tel. 718-437-8800
December 21, 2015

Page - 5
Page 1 of 1
Neil Gillespie
From:
To:
Sent:
Subject:
Saturday, December 19, 2015 8:03 AM
Your Equifax dispute has been completed.


Equifax has completed your dispute for Confirmation
Number 5331033875.
View Now!
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!
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:
Saturday, December 19, 2015 10:12 AM
Thanks for submitting your Equifax dispute.


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!
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!
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
Seattle, WA 98109
Telephone: (206) 266-1000
Email: jeff@amazon.com
November 13, 2014

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


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

Stephanie Burns, John Felton, David H. Clark, Managers
VIA UPS No. 1Z64589F1399594341

SEATTLE, WA 98109
FEI Number: 91-2071079 (Federal Employer Identification Number)

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:

"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
AND OTHER TERMS ON THE REVERSE SIDE
.:. ..
PURCHASER AND PAYEE ARE suBJecT TO TH'fsERVICE6HARG"E"
....
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
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
http://search.sunbiz.org/Inquiry/CorporationSearch/SearchResultDetail/EntityName/forl-m13000003979-03d9d746-75d9-442d-a429-a59118657fe4/a...
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Foreign Limited Liability Company

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
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
SEATTLE, WA 98109

SEATTLE, WA 98109
FEI Number: 91-2071079
Certificate of Status Desired: No

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

Letter To Stefanie Isser Goldblatt, CFPB Senior Litigation Counsel Dec-23-2015

Enviado por

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Letter To Stefanie Isser Goldblatt, CFPB Senior Litigation Counsel Dec-23-2015

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Stefanie Isser Goldblatt, Senior Litigation Counsel

Enforcement at Consumer Financial Protection Bureau

December 23, 2015

Stefanie Isser Goldblatt, Senior Litigation Counsel

December 23, 2015

The Honorable Richard Cordray, Director, c/o

Stefanie Isser Goldblatt, Senior Litigation Counsel

December 23, 2015

VIA UPS No. 1Z64589FP297594841

November 28, 2015

The Honorable Richard Cordray, Director

Cc: Experian, 475 Anton Blvd., Costa Mesa, CA

Dear Hon. Director Cordray:

Get your next report or finish >

VIA UPS No. 1Z64589FP299362856

November 28, 2015

Dear Hon. Director Cordray:

THE PRENTICE-HALL CORPORATION SYSTEM, INC.

Repeat these steps

Welcome, Neil Gillespie Help

Unable to Confirm Identity

We are unable to complete your request.

2015 TRANSUNION LLC. ALL RIGHTS RESERVED.

2015 FOREIGN LIMITED LIABILITY COMPANY ANNUAL REPORT

Current Mailing Address:

Certificate of Status Desired: No

Name and Address of Current Registered Agent:

Electronic Signature of Registered Agent

Authorized Person(s) Detail :

BLENKE, JOHN WVP

555 WEST ADAMS STREET

555 WEST ADAMS STREET

HAMOOD, S. ALLEN CFO

555 WEST ADAMS STREET

SIGNATURE: JOHN W BLENKE

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Get Easy Tracking Updates

Tracking Number: 9405503699300219788644

Updated Delivery Day: Monday, December 21, 2015

Product & Tracking Information

Priority Mail 3-Day

December 21, 2015 , 5:07

Delivered, In/At Mailbox

December 21, 2015 , 10:17

Arrived at Post Office

December 21, 2015 , 5:00

Departed USPS Facility

December 21, 2015 , 2:00

Arrived at USPS Origin

December 20, 2015 , 11:18

Departed USPS Facility

December 20, 2015 , 9:48

Arrived at USPS Origin

December 19, 2015 , 7:10

Arrived at USPS Destination

CEDAR RAPIDS, IA 52404

December 19, 2015 , 9:44

IOWA CITY, IA 52244

December 19, 2015 , 9:42

Arrived at Post Office

IOWA CITY, IA 52240

December 19, 2015 , 9:37

Departed USPS Facility