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Billing Rights

In Case of Errors or Questions About Your Statement

If you believe that there is an error in your monthly statement, 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 by doing so it will not preserve your rights.

Write to:

  • Spencerport Federal Credit Union
    PO Box 86
    Spencerport, NY 14559

Or call:

In your letter, give us the following information:

  • Your name and account number.
  • 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 unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.

In Case of Errors or Questions About Your Electronic Transfers

Telephone or write us at our Office as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number.
  • Describe the error or the transfer you are unsure about, explain as clearly as you can why you believe there is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation.