YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR
FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
In case of errors or questions about your bill, notify:
Elan Financial Services
Attn: Corporate Dispute Dept
P.O. Box 6344
Fargo, ND 58125-6344
Phone: (800) 344-5696
Or simply complete the form on the back of your statement and fax to the above referenced fax number.
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
- Your name and procurement card number.
- Posting or monthly invoice date.
- Transaction date and number and merchant's name.
- The dollar amount of the suspected error.
- Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.
Your Rights And Our Responsibilities
After We Receive Your
Written Notice
Since the University automatically pays your Visa Purchasing Card in full each month, it is important to understand the following dispute procedures.
WHEN YOU NOTICE A BILLING ERROR ON YOUR STATEMENT, FIRST CALL THE MERCHANT FOR RESOLUTION. MOST MERCHANTS WILL MAKE GOODWILL EFFORTS TO RESOLVE IMMEDIATELY.
OTHERWISE DO THE FOLLOWING:
ELAN MUST BE NOTIFIED IN WRITING WITHIN 60 DAYS OF A DISPUTED ITEM BEING POSTED. WE WILL SEND A LETTER OF ACKNOWLEDGMENT OF THE DISPUTE.
ELAN WILL ORDER A COPY OF THE RECEIPT/TICKET/DRAFT OF THE DISPUTED ITEM.
ELAN WILL AUTOMATICALLY CREDIT YOUR ACCOUNT FOR THE DISPUTED ITEM IF THE MERCHANT FAILS TO RESPOND WITHIN 45 DAYS.
* MOST T&E DISPUTES CAN TAKE UP TO 3 BILLING CYCLES (90 DAYS) TO RESOLVE. ONCE RECEIPTS HAVE BEEN RECEIVED AND FORWARDED TO YOU, YOU MUST RESPOND WITHIN 10 BUSINESS DAYS IF THE ITEM IS STILL BEING DISPUTED. IF ERRONEOUS ITEMS ARE DETERMINED, ELAN WILL CREDIT YOUR ACCOUNT FOR THE DISPUTED ITEM(S).
STRICT ADHERENCE TO THESE TIMELINES IS REQUIRED TO RETAIN YOUR DISPUTE RIGHTS UNDER VISA REGULATIONS.
