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.
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.
...(2) Disclosure of a credit card or charge card number, along with authorizati... the dispute resolution requirements of the Fair Credit Billing Act and the Truth in Lending Act, a...
...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...
... and liabilities in the days ahead and a creditors meeting will be scheduled. The case has been assig... from their credit card company under the Fair Credit Billing Act. Write to your credit card issu...
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