If we receive a dispute (including the required information referenced above) within 60 days after we sent the first statement on which the disputed transfer or transaction appears (or within 60 days after we send you the information you requested), we will investigate and determine whether an error occurred within 10 business days after we receive the dispute and will correct any errors within (1) business day of our determination that an error occurred.
If we need more time, however, we may take up to 45 days to investigate your dispute.
If we decide more time is needed, in most cases, we will provisionally credit your account within 10 business days of our receipt of your dispute for the amount you believe is an error, so that you will have use of this money during the time it takes to complete our investigation.
If we ask you to send us your dispute in writing, and we do not receive it within 10 business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you believe is an error.
We will notify you of the results of our investigation within 3 business days after its completion and will correct any error within (1) business day of our determination that an error occurred. If we decide there was no error, we will send you a written explanation and will debit any related provisionally credited amounts in accordance with applicable law. You may ask for copies of documents that we used in our investigation.