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Subject: Date: Regulation AA Jul 24, 2008 Proposal: Regulation AA Unfair or Deceptive Acts or Practices Document ID: R-1314 Document Version: 1 Release 05/02/2008 Date: Name: Rose Townsend Affiliation:

But that changed quite suddenly. Within 3 months we had to use the card to make a payment. Our monthly auto payments now made up 80+% of our payment. And there was no warning about this. In fact, we went to the bank the week the account was debited and no one asked us if they could do the balance withdrawal. The bank manager told me that a few weeks earlier she asked one of them if she needed to contact my husband, and they said 'no'. So it doesn't matter what they say. The reason they keep telling me to call the credit bureaus to explain the situation is because I have gone to both of them and I have never been given clear, concise reasons why I can't do this. We have been told multiple times, by both places that the only reason I can't do this is that I am on food assistance (food stamps) and that this should not apply to my credit balances. No other reason is given; no explanation, no concern. So I am asking that you allow me just a little more time to discuss all of this, which should take no longer than a few hours for you. The very last thing that needs to happen right now is my children being removed from my financial help system. I am sure you've had this kind of complaint before. However, they did not come out from under us to do this. They're on food stamps and have nothing to live on. And that's been our situation for 4 years. And there's absolutely nothing they need us to do to make it work. So if we had to do this all over again (and I know we will) we would do it all over again. I know this is what you want to do. In fact, I know that it's what the bank wants you to do. I have talked to my husband and we both have agreed that if our kids are not removed from this system before my husband and I die we will sue. And we will demand a refund of the overpayments we paid. Then if the bank can't pay, we will sue them. And we will sue them for having us pay more than we would otherwise pay if we didn't have to use their services and had free credit. Yes, it's that simple. But the bank is not going to make this happen for us. The reason is that they've already made it happen. All the bank needs to do is make this right, and we will see it happen.

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