Originally Posted by
cem21
I think you misunderstand me--I initiated the process in writing well within the required timeframe. I was told by customer service at least 5 times that this would not be reported as a delinquent charge. I returned the affadavit the day I received it and the charges were reversed. The charges were still reported.
I think you should look at the regulations very carefully. I'm not sure that the bank is permitted to require the affidavit except for ultimate resolution of the case. I don't think your customer protections fail to take effect before an affidavit is filed, but you need to check this.