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Can the bank apply late fees and interest while my billing dispute is being investigated?

Generally, while your written billing error dispute is being investigated, you would not need to pay—and the bank cannot try to collect—any portion of any required payment that you believe is related to the disputed amount. This includes related finance or other charges.

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

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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