Dialer Fee Terms Check

Live. Fee terms check before dialing card, bank, installment and agency accounts: per account hold / review / ok from the card and deposit fee facts on file (over-limit fee charged without the cardholder's opt-in, more than once a cycle or more than three cycles in a row, card late fee above the minimum payment due, late fee charged only because an earlier late fee went unpaid, deferred interest charged after the promo balance was paid in full, disputed amount collected or reported delinquent while a billing error is open, ATM or one-time debit overdraft fee without an opt-in, double-cycle interest), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.

For card issuers, banks and credit unions, installment lenders, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD), optional billing_error_window_days (default 60), and accounts (ref, niche, state, plus overlimit_fee_charged, overlimit_opted_in, overlimit_fees_this_cycle, overlimit_consecutive_cycles, late_fee_charged, late_fee_amount, minimum_payment_due, late_fee_on_prior_late_fee_only, deferred_interest_promo, promo_balance_paid_by_end, deferred_interest_charged, promo_ends_on, billing_error_disputed, billing_error_resolved, disputed_amount_collected, disputed_reported_delinquent, billing_error_notice_days_after_statement, overdraft_fee_charged, overdraft_txn_type none / atm_or_one_time_debit / check_ach_recurring, overdraft_opted_in, interest_on_prior_cycle_balance). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, CARD Act / Regulation Z, Fair Credit Billing Act, Regulation E, FTC Credit Practices Rule and FDCPA / Regulation F citations, closer notes and may_quote_balance, plus totals by reason. Pair with Dialer Servicing Terms Check and Can Call Now. Refs, states, dates, yes/no facts, types, counts and amounts only; phones, names, addresses, card, loan and policy numbers, case numbers, notes and keys are refused. Nothing stored. Operations aid, not legal advice.

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

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