America First Credit Union offers a line of credit service that helps you cover unexpected expenses or emergencies, even allowing you to spend beyond what's in your checking account without overdraft fees. They provide low-interest rates, low monthly payments, and a couple of credit options, including traditional and share-secured lines of credit. Besides the line of credit, they have online bill pay and digital banking services, making it easy to manage your subscriptions and bills all in one place. So if you're seeing charges from them, it could be for the credit service or bills you set up to be paid automatically through their platform.
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Cancelling a line of credit with America First is moderately easy since federal law allows cancellation within the first three days with written notice, but beyond that, it likely requires contacting the lender directly by phone or writing. Information on cancellation beyond the initial period is not prominently available online, which could make the process less straightforward but not impossible.
Estimated Time
On average, it takes 10 minutes 00 10 minutes to cancel a America First line of credit subscription.
How to Cancel America First line of credit: Step by Step
If you purchased through America First website:
- Log in to your America First online banking account.
- Navigate to the Bill Pay section.
- Select the Scheduled Payments option.
- Locate the subscription or payment you wish to cancel.
- Follow the on-screen instructions to edit or cancel the payment. No charge will apply for this action.
If you set up an Automatic Payment:
- Obtain the Automatic Payment Cancel Form from the America First website.
- Fill out the required fields including the Company Name and Account Number.
- Provide the payment amount and the frequency (Monthly, Bi-Weekly, Weekly).
- Sign and date the form.
- Submit the form to the company receiving the payment to officially cancel the automatic payment.
If you wish to cancel your membership:
- Provide written notice to America First, indicating your intent to withdraw from membership.
- Ensure the notice states the members' specific reasons if applicable.
- Fax or mail the notice to the appropriate contact address provided by America First.
If you need assistance, here's how you can get in touch with America First line of credit's support team.
Tips and Tricks for Getting a America First line of credit Refund
- Go directly to the credit card company and ask why charges weren't blocked; they can block future charges or suggest closing the card to stop the subscription.
- Close the line of credit to stop charges, but be aware this may impact your credit score depending on your overall credit limits.
- Have multiple credit cards from different banks so you can close an account if persistent charges won't be cancelled.
- Explicitly email the subscription company requesting immediate cancellation, referencing prior cancellation requests and ongoing charges.
- If charges continue, report them as fraud and notify your credit card company promptly.
- Dispute the charge every month on your credit card to send a strong message to the billing company.
- Call your credit card company, explain the subscription company refuses to stop billing despite cancellations, and request to freeze and flag payments.
- Record calls with the subscription company to use as leverage with your credit card company if needed.
- Be prepared to escalate legally (hire a lawyer or file a lawsuit) if the subscription refuses to stop charges.
Why Do People Request Refunds from America First line of credit
- Fraud or scam issues where customers were scammed and sought refunds but were denied because responsibility was placed on the customer.
- Mistakes on account or title causing customers to pay for loans no longer applicable to them, leading to requests for refund or waiver of interest.
- Unauthorized loan opening where loans were opened without customer knowledge, resulting in disputes and accusations of predatory lending.
- High or unexpected interest charges causing dissatisfaction and requests for refunds or waivers.
- Financial hardships during which customers might miss payments and want to cancel or restructure.
- Dislike of customer service or company policies leading to desire to cancel services or memberships.
- Unwanted or unused line of credit where customers cancel because they do not want or use the service.
- Negative effects on credit concerns causing customers to cancel to prevent impact on credit score.
America First line of credit Refund Script
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Dear America First line of credit, Support,
I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience.
Thank you for your attention to this matter. I look forward to your prompt response.
Best regards,
America First line of credit Refund Policy
America First Line of Credit membership and account can be terminated at any time by providing oral or written notice to the Credit Union. Members can withdraw their membership with written notice, while the Credit Union reserves the right to terminate accounts or memberships under specific procedures or reasons. This policy ensures flexibility for members to cancel as desired and for the Credit Union to manage accounts accordingly.
The Easiest Way to Get a America First line of credit Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from America First line of credit—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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