Debt collection — AMERIS BANCORP (AL)

Attempted to collect wrong amount. I am disputing the accuracy of a {$3500.00} line-of-credit balance being collected by XXXX XXXX on behalf of Ameris Bank / XXXX XXXX XXXX XXXX has provided a loan agreement and partial statements but has not provided a complete transaction history, insurance adjustments, or a reconciliation showing how the balance was calculated. I requested a full itemization of charges, payments, and credits. XXXX XXXX refused and closed their investigation, stating I must provide documentation to prove their balance wrong. This violates CFPB Regulation F and the FDCPA, which require a debt collector to substantiate the amount claimed when it is disputed. I am requesting that the CFPB require XXXX XXXX to provide full validation of the balance or cease