FAIR CREDIT BILLING ACT (FCBA) NOTICE

Issued by Limitless Ideas
Effective Date: 04/10/2025

Dear Customer,

Limitless Ideas is committed to upholding your rights as a consumer and maintaining transparency in all billing matters. As required by the Fair Credit Billing Act (FCBA), this notice outlines your legal rights and the procedures you must follow if you believe there is an error on your Limitless Ideas billing statement.

Your Rights Under the FCBA

You have the right to dispute billing errors on your account. These errors may include:

• Unauthorized charges or charges you do not recognize

• Charges with an incorrect date or amount

• Charges for products or services that were not delivered as promised

• Mathematical or posting errors

• Failure to apply payments or returns

• Charges where you requested clarification or documentation

How to Report a Billing Error

To protect your rights under the FCBA, you must send us written notice within 60 calendar days of the date the first billing statement containing the error was sent to you. Your written notice must include:

1. Your name and account number

2. A clear description of the billing error and the amount in dispute

3. A statement explaining why you believe there is a billing error

4. Any supporting documents that support your position

Please send your written dispute to:

Limitless Ideas LLC
Billing Disputes Department
Mailing Address: 3000 Windy Hill Road, STE 671612
Marietta, Georgia 30006
Email Address: Disputes@limitlessideas.com

Please note: Phone calls do not preserve your rights under the FCBA. Your dispute must be submitted in writing.

What Happens After We Receive Your Dispute

Once we receive your written billing error notice, we will acknowledge it within 30 days unless the error is resolved before that time. We will then investigate the matter and respond within two billing cycles, and in no case more than 90 days from receiving your notice.

While we investigate:

• We will not attempt to collect the disputed amount or assess interest or fees on it

• We will not report the disputed amount as late or send it to collections

• You must continue to pay the undisputed portion of your bill

If we confirm an error occurred, we will correct it and notify you in writing. If we determine no error occurred, we will provide you with a written explanation. At that point, the disputed amount will become due and payable. You may still submit a written statement of disagreement, which we will include in any future credit bureau reporting regarding that account.

Withholding Payment for Product or Service Issues

If you used a Limitless Ideas credit account to purchase a product or service and are dissatisfied with the outcome, you may have the right to withhold payment under the following conditions:

• The transaction must be over $50

• The purchase must have been made in your home state or within 100 miles of your billing address

• You must first make a good-faith effort to resolve the issue with the merchant

Your Responsibilities

To ensure you remain in good standing and retain your rights under the FCBA, you agree to:

• Carefully review each billing statement upon receipt

• Notify us in writing of any suspected billing errors within 60 days

• Pay all undisputed charges by their due date

Failure to meet these responsibilities may affect your ability to dispute charges or maintain account benefits.

Questions?

If you have questions about this notice or your account, please contact our billing department:

Phone: 800-284-9060
Email: Disputes@limitlessideas.com
Business Hours: 10:00 AM to 4:30 PM, Monday through Friday

Thank you for doing business with Limitless Ideas. We are dedicated to supporting your financial success and protecting your consumer rights.

Sincerely,
Limitless Ideas Compliance Team