Asked in Consumer Law and Banking for California

Q: "ADEQUATE NOTICE" CCC section 1774(i)(k) & 15 USC section 1602(k) TILA 15 USC section 1643 on credit card online bank

Credit card co changed my getting into my online 'paperless' emails to view my credit cards and make payments online! Credit card co sent me any email stating "we'll email you when [you] have [something] new to view. Then just [sign in] to '' OR app" Opened Paperless online email acct Feb 2020; would receive 8 digit numbers in my INBOX & then I would put in my username & password and would be able to view & make online payments by my bank. Without any NOTICE, I couldn't get into my Email c/c acct...thought I had been hacked or credit card co had been hacked!! Tried for months and couldn't get in. Sent a complaint to XXXX, got a letter response from credit card co.."On Sep 22, 2021 we [removed EMAIL] as an option to send the one time passcode." They NEVER sent me a email giving me a 'heads-up' that they Where going to Stop the Email INBOX 8 digit passcodes & thereby I would ONLY get into my c/card online email acct by having a CELL APP!

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1 Lawyer Answer
James L. Arrasmith
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Business Law Lawyer
  • Sacramento, CA
  • Licensed in California

A: Under California's Consumers Legal Remedies Act (Cal. Civ. Code § 1750 et seq.), and the federal Truth in Lending Act (TILA), credit card companies are generally required to provide consumers with "adequate notice" of any significant changes to account terms or practices. If a credit card company changes the manner in which you can access your account without giving you proper notice, it may be in violation of these laws. To address this issue, you could consider sending a formal complaint to both the credit card company and relevant regulatory agencies, and you may also want to consult an attorney for personalized advice on pursuing a potential legal claim.

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