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Legally, the Capture Date uses the brick-and-mortar assumption that goods or services are delivered when payments are transferred.

With non-delivery, the Capture Date must be changed or a refund must be issued.

You must pay any part of the bill not in question, including finance charges on the undisputed amount.

The creditor may not take any legal or other action to collect the disputed amount and related charges (including finance charges) during the investigation.

You may request copies of documents proving you owe the money.

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