Billing Rights

This notice contains important information about your rights and your responsibilities under the Fair Credit Billing Act. Don't worry if it seems all legal, it's all for your safety and such.

I WILL NOTIFY YOU IN CASE OF ERRORS OR QUESTION ABOUT MY BILL

If I think my bill is wrong, or if I need more information about a transaction on my bill, I will write to you on a separate sheet at the address listed on my bill. I will write to you as soon as possible. You will hear from me no later than 60 days after you sent me the first bill on which the error or problem appeared. I can telephone you, but doing so will not preserve my rights. In my letter, I will give you the following information:

My name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if I can, why I believe there is an error. If I need more information, describe the item I am not sure about.

If I have authorized you to pay my loan payment automatically from my regular share or checking account, I can stop the payment on any amount I think is wrong. To stop the payment my letter must reach you three business days before the automatic payment is scheduled to occur.

MY RIGHTS AND YOUR RESPONSIBILITIES AFTER YOU RECEIVE MY WRITTEN NOTICE

You must acknowledge my letter within 30 days, unless you have corrected the error by then. With in 90 days, you must either correct the error or explain why you believe the bill was correct. After you receive my letter, you cannot try to collect any amount I question, or report me as delinquent. You can continue to bill me for the amount I question, including FINANCE CHARGES, and you can apply any unpaid amount against my credit limit. I do not have to pay any questioned amount while you are investigating, but I am still obligated to pay the parts of my bill that are not in question. If you find that you made a mistake on my bill, I will not have to pay any FINANCE CHARGES related to any questioned amount. If you didn't make a mistake, I may have to pay FINANCE CHARGES, and I will have to make up any missed payments on the questioned amount. In either case, you will send me a statement of the amount I owe and the date that it is due. If I fail to pay the amount that you think I owe, you may report me as delinquent. However, if your explanation does not satisfy me and I write to you within ten days telling you that I still refuse to pay, you must tell anyone you report to that I have a question about my bill. And you must tell me the name of anyone you have reported me to. You must tell anyone you report me to that the matter has been settled between us when it finally is. If you don't follow these rules, you can't collect the first $50.00 of the questioned amount, even if my bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES

If I have problem with the quality of property or services that I purchase with a credit card, and I have tried in good faith correct the problem with merchant, I may have the right not to pay the remaining amount due on the property or services.

There are two limitations on this right: (a) I must have made the purchase in my home state or, if not within my home state, within 100 mile of my current mailing address; and (b) The purchase must have been more than $50.00. These limitations do not apply if you own or operate the merchant, or if you mailed me the advertisement for the property or services.