You are being harassed wrongly by Debt Collection Agency for the amount that you did not spend on your credit card. Write a letter to Banking Ombudsman Department and escalate the complaint. In your letter, introduce yourself describe what happened say what you want the officer to do

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Dear
sir
Capitalize word
Sir
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or
madam
Capitalize word
Madam
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, My name is Ken Linsey, and I have been holding a credit card with your bank for the past four years. My customer ID is KT45231. I am writing to express my dissatisfaction with the unprofessional
behavior
Change the spelling
behaviour
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of your debt collection agency. Unfortunately, I have been harassed by your team for clearing the debt amount
that is
Linking Words
not mine. They claimed that a five-hundred-dollar transaction
has
Wrong verb form
had
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been made at a club in Nevada on Friday, 3rd July. Though I explained to them several times that
this
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is not possible since I have never been to America before, they are still insisting that I should
do
Verb problem
make
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the payment.
Therefore
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, I kindly request your support in
this
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matter, and I believe
this
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case should be addressed as soon as possible. I would highly appreciate
if
Correct pronoun usage
it if
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you could provide the debt collection agency with a payment history of July so that prove my innocence. Thank you for your cooperation in advance and I am looking forward to hearing from you. Yours faithfully Ken Linsey

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task achievement
In the introduction, consider briefly stating the purpose of your letter, such as outlining the reasons for your complaint more explicitly.
coherence cohesion
Ensure that each paragraph has a clear focus and sufficient elaboration to strengthen your points. For instance, providing more details about your communication with the debt collection agency could enhance clarity.
task achievement
Your letter has a polite and respectful tone, which is appropriate for a complaint letter.
coherence cohesion
The structure of your letter is logical, with clear separation between your introduction, the description of the issue, and your request.
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