Billing Rights

Your Billing Rights, Keep this Notice for Future Use

This notice contains important information about your rights and responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions About Your Statement

If you think there is an error on your statement, or if you need more information about a transaction on your statement, write us at

Union Square Credit Union
1401 Holliday
Wichita Falls, Texas 76301

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 statement, 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 the automatic 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 telephone us at 940-720-8000 or 1-800-600-7517, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

Your Rights and Our Responsibilities After We Receive Your Written Notice

When we receive your letter, we must do two things:

  • Within 30 days of receiving your letter, we must tell you that we received you letter. We will also tell you if we have already corrected the error.
  • Within 90 days of receiving you letter, we must either correct the error or explain why we believe the bill is correct.

While we investigate whether or not there has been an error:

  • We cannot try to collect any amount you 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.
  • 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 don’t 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 y our 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 of your purchase was based on an advertisement we mailed 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: 

Union Square Credit Union
1401 Holliday
Wichita Falls, TX 76301

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigations, 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.