(a) Initial and annual error resolution notice (sections 1005.7(b)(10)
and 1005.8(b)).
In Case of Errors or Questions
About Your Electronic Transfers
Telephone us at [insert telephone number]
Write us at [insert address]
[or
Email us at [insert email address]]
as soon as you can, if you think your statement or receipt is wrong
or if you need more information about a transfer listed on the statement
or receipt. We must hear from you no later than 60 days after we sent
the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number
(if any).
(2) Describe
the error or the transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar
amount of the suspected error.
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 use of 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.
(b) Error resolution notice
on periodic statements (section 1005.8(b)).
In Case of Errors or Questions About Your
Electronic Transfers
Telephone us at [insert telephone number]
or
Write us at [insert address]
as soon
as you can, if you think your statement or receipt is wrong or if
you need more information about a transfer on the statement or receipt.
We must hear from you no later than 60 days after we sent you the
FIRST statement on which the error or problem appeared.
(1) Tell us your name and account number
(if any).
(2) Describe
the error or the transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar
amount of the suspected error.
We will investigate your complaint and will correct any
error promptly. If we take more than 10 business days to do this,
we will credit your account for the amount you think is in error,
so that you will have the use of the money during the time it takes
us to complete our investigation.
