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	<title>Creditinfocenter Blog &#187; Opt Out</title>
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		<title>Bank of America to Pay $410 Million for Overdraft Practices</title>
		<link>http://www.creditinfocenter.com/wordpress/2011/07/19/bank-of-america-to-pay-410-million-for-overdraft-practices/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2011/07/19/bank-of-america-to-pay-410-million-for-overdraft-practices/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 14:46:16 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[checking accounts]]></category>
		<category><![CDATA[Opt Out]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[transaction sorting]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=12495</guid>
		<description><![CDATA[Remember transaction sorting? Banks preventing consumers from opting out of overdraft protection? Thought the new consumer protection laws had outlawed these practices and made them obsolete? Sure they&#8217;re obsolete and illegal NOW, but banks still have to make reparations for the past. Earlier this year, Bank of America agreed to pay $410 million to settle [...]]]></description>
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		<title>45 Days to Opt Out of Credit Card Rate Hikes?  Not So Fast</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/08/28/45-days-to-opt-out-of-credit-card-rate-hikes-not-so-fast/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/08/28/45-days-to-opt-out-of-credit-card-rate-hikes-not-so-fast/#comments</comments>
		<pubDate>Fri, 28 Aug 2009 12:00:10 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[cardholders]]></category>
		<category><![CDATA[credit card issurers]]></category>
		<category><![CDATA[Credit Card Reform Act]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[Opt Out]]></category>
		<category><![CDATA[rate increases]]></category>
		<category><![CDATA[variable rate cards]]></category>

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		<description><![CDATA[As of Aug. 20, the new Credit Card Act requires credit card issuers to give consumers the right to cancel or opt out of certain changes in terms on their accounts. Credit card issuers must inform card users of the right to cancel when they mail the 45-day advance notice of the change in terms. [...]]]></description>
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		<title>Citibank Uses Sneaky Way to Keep Sending You Junk Mail Even After You &#8220;Opt Out&#8221;.</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/03/25/citibank-uses-sneaky-way-to-keep-sending-you-junk-mail-even-after-you-opt-out/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/03/25/citibank-uses-sneaky-way-to-keep-sending-you-junk-mail-even-after-you-opt-out/#comments</comments>
		<pubDate>Tue, 25 Mar 2008 17:54:53 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Citibank]]></category>
		<category><![CDATA[Junk Mail]]></category>
		<category><![CDATA[Mailing Lists]]></category>
		<category><![CDATA[Opt Out]]></category>

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		<description><![CDATA[After he continued to receive mailings for months from his bank after he thought he opted out of their mailings, reader Perre asked Citibank if they had honored his request. They said, &#8220;yes you&#8217;re opted out of Balance Transfer offers and Cash Convenience Checks.&#8221; Then he cleverly thought to ask which mailing lists he was [...]]]></description>
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