A plaintiff wasn't limited to a single recovery of statutory damages for multiple violations of the Fair Credit Billing Act, the 9th Circuit has ruled in reversing judgment. Chase Bank admittedly committed multiple violations of the Fair Credit Billing Act by misidentifying a $645 charge on the plaintiff's credit card account, failing to respond to her requests for information about it, continuing to seek payment for the charge despite her protests and reporting the debt as delinquent to credit agencies.
A few weeks ago I wrote about the Fair Credit Billing Act (FCBA), which can help consumers settle complaints against providers of goods and services under certain circumstances, the main one being that they paid for the good or service with a credit card. Readers wrote in with questions, many of which I answer below. I thank Carole Reynolds, senior attorney of the Federal Trade Commission (FTC), who has not only helped me answer questions pertaining to this act, but who has also provided me with information regarding other relevant federal laws. The FCBA distinguishes between billing errors and disputes about the quality of goods and services. I recommend that readers consult the FTC website specifically, to determine which provisions apply to their situation.
If there's any likelihood a problem may arise with a purchase, use a credit card, if possible. You'll have more recourse than if you pay with a check, cash or most other forms of payment. The federal regulation that conveys these rights is the Fair Credit Billing Act. It applies to open end credit accounts, such as credit cards and other revolving credit accounts. It does not apply to auto loans or other accounts you repay on a fixed, installment basis.
The Federal Maritime Commission amends its rules regarding the establishment of passenger vessel financial responsibility for nonperformance of transportation. The amount of coverage required for performance is modified to increase the cap on required performance coverage to $30 million over a two year period and thereafter adjust the cap every two years using the Consumer Price Index; adjust the amount of coverage required for smaller passenger vessel operators by providing for consideration of alternative forms of protection; remove the application form for issuance of certificates of financial responsibility from the Commission's regulations and make it available at its Web site; add an expiration date to the Certificate (Performance); and make technical adjustments to the regulations.
... already existing protections applicable to credit card receipts for PVOs whose payment policies prov... exist for credit card purchasers under the Fair Credit Billing Act (FCBA), 15 U.S.C 1666(a). CLIA ...
When many customers find a mistake on their bill, they pick up the telephone and call the company to correct the problem. You may do this if you wish, but telephoning does not trigger the legal safeguards under the Fair Credit Billing Act. To be protected under the law, you must send a separate written billing error notice, to the creditor. Your notice must reach the creditor within 60 days after the first bill containing the error was mailed to you. The written notice must be sent to the address provided on the bill for billing error notices (and not, for example, directly to the store, unless the bill says that is where it should be sent). In your letter, you must include the following information: The EFTA applies to electronic fund transfers transactions involving automated teller m...
... Truth in Lending Act (TILA), as added by the Fair Credit Billing Act, provides that whenever a credi...
It happens to all of us: We make a purchase and soon discover that the merchandise is damaged or the service is below acceptable standards. The best way to protect yourself is to make all purchases with a credit card. That way, the Fair Credit Billing Act covers your purchase. To qualify, the purchase must be for at least $50 (although many credit card companies will consider disputes for lesser amounts), and the purchase must have been made in your home state or within 100 miles of your home.
...Examples of such statutes are the Fair Packaging and Labeling Act, Magnuson-Moss Warranty...(75) . C. Banking, Finance, and Credit . Many recent consumer protection laws have addres...(121) . The Fair Credit Billing Act. The Fair Credit Billing Act ("FCBA") is a TIL...
...1331-1340), Fair Packaging and Labeling Act (15 U.S.C. 1451-1461), ...1601-1667f), Fair Credit Reporting Act (15 U.S.C. 1681-1681u), Fair Credit Billing Act (15 U.S.C. 1666-1666j), Equal Credit Opportuni...
... Truth in Lending Act, as supplemented by the Fair Credit Billing Act, 15 U.S.C. 1601-1667, requiring...
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