My credit card / home equity line of credit / personal line of credit is involved in a billing dispute/error. Can the credit union apply late fees and interest while this is being investigated?

Share (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)

Open/Close Share Panel

Email Pinterest (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)

Generally, if you have filed a proper billing dispute with the credit union, you would not need to pay—and the credit union cannot try to collect—any portion of any required payment that you believe is related to the disputed amount while the dispute is being investigated. This includes related finance or other charges.

However, the credit union can act to collect any undisputed portion of the item or bill.