BILLING RIGHTS
SUMMARY In Case of
Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information
about a transaction on your bill, write us [on a separate sheet] at
[address] [the address shown on your bill] as soon as possible. [You
may also contact us on the Web: [Creditor Web or e-mail address]]
We must hear from you no later than 60 days after we sent you the
first bill on which the error or problem appeared. You can telephone
us, but doing so will not preserve your rights.
In your letter, give us the following information:
- Your name and account number.
- The dollar amount of the suspected error.
- Describe the error and explain, if you can, why you
believe there is an error. If you need more information, describe
the item you are unsure about.
You do not have to pay any amount in question
while we are investigating, but you are still obligated to pay the
parts of your bill that are not in question. While we investigate
your question, we cannot report you as delinquent or take any action
to collect the amount you question.
Special Rule for Credit Card Purchases If you have a problem with the quality
of goods or services that you purchased with a credit card, and you
have tried in good faith to correct the problem with the merchant,
you may not have to pay the remaining amount due on the goods or services.
You have this protection only when the purchase price was more than
$50 and the purchase was made in your home state or within 100 miles
of your mailing address. (If we own or operate the merchant, or if
we mailed you the advertisement for the property or services, all
purchases are covered regardless of amount or location of purchase.)
