YOUR BILLING
RIGHTS
KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your
rights and our responsibilities under the Fair Credit Billing Act.
Notify Us 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 spearate sheet] at [address]
[the address listed on your bill]. Write to us as soon as possible.
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 may also contact
us on the Web: [Creditor Web or email address]] 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 not sure about.
If you have authorized us to pay your credit
card bill automatically from your savings or checking account, you
can stop the payment on any amount you think is wrong. To stop the
payment your letter must reach us three business days before the automatic
payment is scheduled to occur.
Your Rights and Our Responsibilities After We Receive Your Written
Notice We must acknowledge your letter
within 30 days, unless we have corrected the error by then. Within
90 days, we must either correct the error or explain why we believe
the bill was correct.
After we receive your letter, we cannot try to collect
any amount you question, or report you as delinquent. We can continue
to bill you for the amount you question, including finance charges,
and we can apply any unpaid amount against your credit limit. You
do not have to pay any questioned amount while we are investigating,
but you are still obligated to pay the parts of your bill that are
not in question.
If we find that we made a mistake on your bill, you will
not have to pay any finance charges related to any questioned amount.
If we didn’t make a mistake, you may have to pay finance charges,
and you will have to make up any missed payments on the questioned
amount. In either case, we will send you a statement of the amount
you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we
may report you as delinquent. However, if our explanation does not
satisfy you and you write to us within ten days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have a question about your bill. And, we must tell you the name of
anyone we reported you to. We must tell anyone we report you to that
the matter has been settled between us when it finally is.
If we don’t follow these rules,
we can’t collect the first $50 of the questioned amount, even if your
bill was correct.
Special
Rule for Credit Card Purchases If you
have a problem with the quality of property 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 have the right not to pay the remaining
amount due on the property or services.
There are two limitations on this right:
(a)
You must have made the purchase in your home state or, if not within
your home state within 100 miles of your current mailing address;
and
(b)
The purchase price must have been more than $50.
These limitations do not apply if we own or operate
the merchant, or if we mailed you the advertisement for the property
or services.
