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Contract X-Ray — what's buried in the fine print
3 red flags · 5 filed docs
Detected in the CFPB-filed cardholder agreements from Fifth Third Bank, National Association. 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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“…ng, and (e) your use of the Card and the Account. If you are a Covered Borrower, you and we will only arbitrate if you choose to arbitrate. We cannot elect to arbitrate a Claim with a Covered Borrower. If you are not a Covered Borrower, you and we each agree that any Claim will be arbitrated instead of litigated in…”
You waive your right to have a dispute heard by a jury.
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“…ated Contact Information. You agree to notify us within 15 days after changing your e-mail address, mailing address, or phone number. ARBITRATION AND JURY TRIAL WAIVER NOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to arbitration in the case of a disp…”
“…than certain participation fees for a credit card account). To receive this disclosure by phone, please call 877-899-0815, option 4. ARBITRATION AND JURY TRIAL WAIVER NOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to arbitration in the case of a disp…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…stency between the AAA Rules and this arbitration provision, this provision will govern. 30. Changes to this Agreement. Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of interest cha…”
“…istency between the AAA Rules and this arbitration provision, this provision will govern 28. Changes to this Agreement. Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of interest cha…”