What is the procedure for disputing a merchant billing error under the Fair Credit Billing Act for a service purchased in Utah?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the procedure for disputing a merchant billing error under the Fair Credit Billing Act for a service purchased in Utah?
3 real searches · 1 real-search pass
Fair Credit Billing Act billing error 60 days written notice creditor 30 days 2 billing cycles 90 days CFPB FTCGoogle ↗
OBSERVEDConsequence
15 USC 1666i claims defenses credit card issuer services not delivered as agreed $50 100 milesGoogle ↗
OBSERVEDConsequence
Utah consumer protection billing dispute services Utah Division Consumer Protection complaintGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Fair Credit Billing Act billing error 60 days written notice creditor 30 days 2 billing cycles 90 days CFPB FTC Google ↗
15 USC 1666i claims defenses credit card issuer services not delivered as agreed $50 100 miles Google ↗
Utah consumer protection billing dispute services Utah Division Consumer Protection complaint Google ↗
- 12 CFR § 226.13 - Billing error resolution. 27 | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- § 1026.13 Billing error resolution. · consumerfinance.gov
- U.S.C. Title 15 · govinfo.gov
- SECTION 226.13—Billing Error Resolution · federalreserve.gov
- CFPB Laws and Regulations · fdic.gov
- uscode.house.gov · uscode.house.gov
- 15 U.S.C. § 1666i (2024) - Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction; prerequisites; limitation on amount of claims or defenses :: 2024 U.S. Code :: U.S. Codes and Statues :: U.S. Law :: Justia :: 2024 U.S. Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- Utah Division of Consumer Protection – File a Complaint · db.dcp.utah.gov
- Complaints · services.commerce.utah.gov
- 15 U.S.C. § 1666 – Correction of billing errors · law.cornell.edu
- 15 U.S.C. § 1666i – Claims and defenses against card issuers · law.cornell.edu
- 12 C.F.R. § 1026.13 – Billing error resolution · consumerfinance.gov
- FTC – Using Credit Cards and Disputing Charges · consumer.ftc.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fair Credit Billing Act billing error 60 days written notice creditor 30 days 2 billing cycles 90 days CFPB FTC OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
15 USC 1666i claims defenses credit card issuer services not delivered as agreed $50 100 miles OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Utah consumer protection billing dispute services Utah Division Consumer Protection complaint OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |