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In case of errors or questions about your statement or electronic funds
transfers:
If you think your statement or receipt is wrong, or if you need more
information about a transaction listed on your GPO Federal Credit Union
statement, contact us in writing at 4311 Middle Settlement Road, New
Hartford, NY 13413 or by telephone at (315) 724-1654 as soon as
possible. We must hear from you no later than 60 days after we sent you
the FIRST statement on which the error or problem appeared. You can
telephone us, but doing so will not preserve your rights. If you tell us
orally, we may require that you send us your complaint or question in
writing within 20 business days. Your claim must be submitted in
writing.
Your letter should include the following information:
- Tell us your name and account number.
- The dollar amount of the suspected error.
- Describe the error or the transaction you are unsure about and
explain as clearly as you can why you believe it is an error or why you
need more information.
We will determine whether an error occurred within 10 business days
after we hear from you and we will promptly correct any error. If we
need more time, however, we may take up to 45 days to investigate your
complaint or question. If we decide to do this, we will credit your
account within 10 days for the amount you think is in error, so that you
will have the use of your money during the time it takes us to complete
or investigate. If we ask you to put your complaint or question in
writing and we do not receive it within 10 business days, we may not
credit your account. If your question relates to overdraft protection,
you do not have to pay any amount in question while we are
investigating, but you are obligated to pay on the remaining balance not
in question. 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 credit your account for the amount you think is in
error.
While we investigate your question, we cannot report you as delinquent
or take action to collect the amount you question. We will tell you the
results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written
explanation. You may ask for copies of the documents that we used in our
investigation. |
