Page 20 - Book8E

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Problems
If you have a complaint about sales practices that involve the Cooling- Off Rule, write: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, Washington, DC 20580. The Rule’s complete name and citation are: Rule Concerning Cooling-Off Period for Sales Made at Homes or at Certain Other Locations; 16 CFR Part 429.
You also may wish to contact a consumer protection office in your city, county, or state. Some state laws give you even more rights than the FTC’s Cooling-Off Rule, and some local consumer offices can help you resolve your complaint.
Fair Credit Billing Act
In addition, if you paid for your purchase with a credit card and a bill- ing dispute arises about the purchase (for example, if the merchandise shipped was not what you ordered), you can notify the credit card company that you want to dispute the purchase. Under the Fair Credit Billing Act, the credit card company must acknowledge your dispute in writing and conduct a reasonable investigation of your problem. You may withhold payment of the amount in dispute, until the dispute is resolved. (You are still required to pay any part of your bill that is not in dispute.) To protect your rights under the Fair Credit Billing Act, you must send a written notice about the problem to the credit card company at the address for billing disputes specified on your billing statement within 60 days after the first bill containing the disputed amount is mailed to you.
If the 60-day period has expired or if your dispute concerns the qual- ity of the merchandise purchased, you may have other rights under the Act. If you have questions about the Fair Credit Billing Act, order a free copy of the FTC’s brochure Fair Credit Billing, by writ- ing to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, Washington, DC 20580.
Important Laws and Regulations Designed to Protect Consumers