Hopefully this post is not premature...I started the coupon process in Oct 2022. I originally filled out the coupon exactly how it's explained in the course and sent it pre-paid certified mail (also covered in another course). I rcvd back the certified mail receipt (they didnt fill in the delivery date on that one) I sent it to the address that is listed on the Statement for "What to do if you think you find a mistake on your statement".
I continued to get notifications that a payment was due ($3,693.38). I then printed out another Statement/coupon, filled it out and sent that out as well ( to a different address that is also listed on the Statement). I called at least twice (10.26 & 11.17) and explained that I had sent in my monetized coupon for its redemption. As expected they knew nothing about what I was talking about and stated that the coupon was not sent to be used in that way. I let them know that I would send another type of payment and would send it certified mail as well (11.17).
I already have my Remittance letters drafted (addressed to the CEO) up so I printed it out, had it notarized (for free at my local library, go figure) added the completed 1099a( for $3,816.60, not the full amount for fear they would close the account/card), 1040v and 1096 (mind you the course DOES NOT mention adding/sending these forms when mailing your letter but I figured it wouldn't hurt and would hopefully move the process along) and sent all that certified mail (11.18).
I'm happy to report that I checked my account today (11.30) and it says (-$5.21)!!! I'm more than willing to share screen shots for proof, doesn't look I can with this post. I am just so grateful that I stuck to the process and was able to get this "debt" reversed. I have two other cards, a utility bill, a car loan and a mortgage that I'm also working on. This just gave me the motivation to keep going.