Card Claims & Defenses Check

Live. Cardholder says the merchant never delivered? TILA 170 / Reg Z 1026.12(c): when the dispute stops collection of that charge.

Send up to 5,000 credit card accounts with the payment method, claim type, purchase amount, merchant relationship to the issuer, cardholder and purchase states or distance, the good-faith attempt to resolve with the merchant, payments, late and finance charges and earlier debits before notice, related charges, the amount withheld, whether the disputed amount was reported delinquent or is being collected, and whether the dispute was settled. Applies TILA 170 (15 U.S.C. 1666i) and Reg Z 12 CFR 1026.12(c) with the CFPB official interpretations: only purchases made with the credit card (no cash advances, debit or overdraft checks, no tort claims), over $50 and in the same state or within 100 miles unless the merchant is tied to the issuer or the issuer mailed the solicitation, credit outstanding at first notice under the 1666i(b) payment order, and no delinquency reporting or collection of the disputed amount until a reasonable investigation settles it. Returns whether rights apply, the protected amount and cited findings. Nothing stored.

Price: $0.001 per call after 1,000 free per month.

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