16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00883

Submission Number:
545091-00883
Commenter:
MR Dave Luckens
State:
KY
Initiative Name:
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

YOU GUYS KNOW THAT COMMON DECENCY,LET ALONE COMPETENT GOVERNANCE REQUIRES THAT YOU FIX THIS APPALLING PRACTICE-IT AMOUNTS TO MUGGING FOLKS IN BROAD DAYLIGHT-WE HAVE COME TO ACCEPT THEM LOANING US OUR OWN MONEY-HELL.THEY BYPASS THE PART WHERE THEY ACTUALLY PAID A PITTANCE FOR FUNDS THEY CHARGED US AN ARM AND A LEG FOR-I UNDERSTAND THAT ONE THIRD OF THESE CARDS CHARGE OVER 20 PERCENT INTEREST-IN ANY EVENT,EVEN THE LOBBYISTS WHO WRITE THE BANKING LEGISLATION KNOW THAT CHARGING A FEE FOR SERVICES OFFERED FOR FREE SIMPLY CAN'T STAND -HIDDEN CHARGES ARE ONE THING-BAIT AND SWITCH HAS BECOME AN INTEGRAL PART OF THE BIDNIZ PLAN-OFFERING CREDIT CARDS TO PUPPIES MAY BE ROUTINE-BUYER BEWARE IS THE AMERICAN WAY-BUT FREE MEANS FREE-NOT A COST WHICH SHOWS UP IN A DIFFERENT COLUMN -THE "ONE BORN EVERY MINUTE " CATEGORY," FIX THIS.