Q: If I request an itemized statement from a credit card company, do they have to provide it?
I have made electronic and paper check payments. I don't think the credit card company is actually applying both to my balance; both payments are coming out of the accounts and are listed on this company's website (in completely separate spots), but it looks like they're only actually applying the electronic payment. I reached out for clarification, they said both amounts are being applied, but the math isn't mathing. I asked if they could list all of my payments in one spot (like a normal company would) and they said they can't do that.
Legally, if I ask for them to provide a list of payments I've made in one spot, do they have to provide that?
A: The short answer is: probably. The longer answer is that their legality in withholding this information — or refusing to put it in one spot — somewhat depends on whether they are considered a banking institution or a third-party nonbanking institution (a private LLC, for example). Most lenders of creditwill have the requirement to provide consumers records of payments and how they're applied. You should consult with a consumer law attorney on this.
Nicholas P. Weiss agrees with this answer
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