(a) Disclosure by financial institutions of information about obtaining
account information for payroll card accounts (§ 205.18(c)(1)). You may obtain information about the amount of money you have remaining
in your payroll card account by calling [telephone number]. This information,
along with a 60-day history of account transactions, is also available
online at [Internet address].
You also have the right to obtain a 60-day written history
of account transactions by calling [telephone number], or by writing
us at [address].
(b) Disclosure of error-resolution procedures for financial institutions
that provide alternative means of obtaining payroll card account information
(§ 205.18(c)(1)(ii) and (c)(2)).
In Case of Errors or Questions
About Your Payroll Card Account
Telephone us at [telephone number]
or
Write us at [address]
[or
E-mail us at [electronic mail address]]
as soon as you can, if you think
an error has occurred in your payroll card account. We must allow
you to report an error until 60 days after the earlier of the date
you electronically access your account, if the error could be viewed
in your electronic history, or the date we sent the FIRST written
history on which the error appeared. You may request a written history
of your transactions at any time by calling us at [telephone number]
or writing us at [address]. You will need to tell us:
Your name and [payroll card
account] number.
Why you believe there is an error, and the
dollar amount involved.
Approximately when the error took place.
If you tell us orally, we may require that you send us
your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10
business days after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days to investigate
your complaint or question. If we decide to do this, we will credit
your account within 10 business days for the amount you think is in
error, so that you will have the money during the time it takes us
to complete our investigation. If we ask you to put your complaint
or question in writing and we do not receive it within 10 business
days, we may not credit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated
transactions, we may take up to 90 days to investigate your complaint
or question. For new accounts, we may take up to 20 business days
to credit your account for the amount you think is in error.
We will tell you the results within
three business days after completing our investigation. If we decide
that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in
our investigation.
If you need more information about our error-resolution
procedures, call us at [telephone number] [the telephone number shown
above] [or visit [Internet address]].
