Who do I contact when a c/c company does not follow their own terms of use?

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Doing the right thing isn't always the same as doing the easy thing.

I don't know specifically what type of rule you mean but here is a site with some good links regarding consumer credit regulations - maybe the consumer credit protection act might be helpful -

Consumer credit | LII / Legal Information Institute

Thank you, as luck would have it, I was armed with the info. I needed and they very nicely complied this time.......go figure.

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Doing the right thing isn't always the same as doing the easy thing.