Your VISA RightsYOUR RIGHTS AND OUR RESPONSIBILITIES
AFTER WE RECEIVE YOUR WRITTEN NOTICE
Notify Sequoia FCU in case of errors or questions about your
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 statement was correct.
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
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 statement that are not in question.
we find that we made a mistake on your statement, 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
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
If you fail to pay the amount that we think you owe us,
we may report you as delinquent. However, if our explanation
satisfy you and you write to us within 10 days telling us that you still
refuse to pay, we must tell anyone we
reported you to that you have a
question about your statement and we must tell you the name of anyone we
you to. We must tell anyone we reported you to that the
matter has been settled between us when it finally is.
don't follow these rules, we can't collect the first $50 of the
questioned amount, even if your statement was correct.