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Contract X-Ray — what's buried in the fine print
2 red flags · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Bancorp Bank National Association, The. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…call the following toll- free number 1-844-244-6363. II. YOUR AGREEMENT WITH US NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES TO BE RESOLVED BY WAY OF BINDING ARBITRATION. THE TERMS OF THE ARBITRATION CLAUSE APPEAR AT THE END OF THIS AGREEMENT. This Agreement outlines the terms and conditions governing your use of your…”
“…ll the following toll- free number 1-844-244-6363. 6 II. YOUR AGREEMENT WITH US NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES TO BE RESOLVED BY WAY OF BINDING ARBITRATION. THE TERMS OF THE ARBITRATION CLAUSE APPEAR AT THE END OF THIS AGREEMENT. This Agreement outlines the terms and conditions governing your use of your…”
You can't band together with other cardholders in a class action.
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“…LAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIM. Arbitration of Claims. Except as expressly provided herein, any claim, dispute or controversy (whether based upon contrac…”