YOUR BILLING RIGHTS – 
KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do if You 
Find a Mistake on 
Your Statement 

If you think there is an error on your statement, write to us at: 
Public Service Credit Union 
Attn: Credit Cards 
7055 E Evans Ave 
Denver, CO 80224 
In your letter, give us the following information: 
 •  Account information: Your name and account number. 
 •  Dollar amount: The dollar amount of the suspected error. 
 •  Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake. 

You must contact us: 
 •  Within 60 days after the error appeared on your statement. 
 •  At least 3 business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong. 

You must notify us of any potential errors in writing.  You may call us, but if you do we are 
not required to investigate any potential errors and you may have to pay the amount in 
question. 

When we receive your letter, we must do two things: 
 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  We 

will also tell you if we have already corrected the error. 

 2. Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct. 

While we investigate whether or not there has been an error: 
 •  We cannot try to collect the amount in question, or report you as delinquent on that 

amount. 

 •  The charge in question may remain on your statement, and we may continue to charge you 

interest on that amount. 

 •  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance. 

What Will Happen 
After We Receive 
Your Letter 

 •  We can apply any unpaid amount against your credit limit. 
 •  After we finish our investigation, one of two things will happen: 
 •  If we made a mistake: You will not have to pay the amount in question or any interest or 

other fees related to that amount. 

 •  If we do not believe there was a mistake: You will have to pay the amount in question, 

along with applicable interest and fees.  We will send you a statement of the amount you 
owe and the date payment is due.  We may then report you as delinquent if you do not pay 
the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay.  If you do so, we cannot report you as delinquent 
without also reporting that you are questioning your bill.  We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is correct. 

 
            
 
 
 
 
 
 
Your Rights if You 
are Dissatisfied With 
Your Credit Card 
Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit 
card, and you have tried in good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
 1. The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50.  (Note: Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.) 

 2. You must have used your credit card for the purchase.  Purchases made with cash advances 

from an ATM or with a check that accesses your credit card account do not qualify. 

 3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at: 
Public Service Credit Union 
Attn: Credit Cards 
7055 E Evans Ave 
Denver, CO 80224 
While we investigate, the same rules apply to the disputed amount as discussed above. After 
we finish our investigation, we will tell you our decision.  At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent.