Double-Billing & Overbilling Traps
These protect the company when their billing system makes mistakes.
1. Error Rights Waiver
Look for: "Notify us within 30 days" or "Company records are conclusive."
FCBA gives 60 days by law. "Conclusive records" = no way to challenge their database.
2. No-Liability for Errors
Look for: "Not liable for duplicate charges."
10x duplicate $100 charges = they refund one, keep 9. Fee cap means $3 covers a $1,000 error.
3. Fee Rounding
Look for: "Rounded to nearest dollar."
"Standard" rounding usually rounds up: $9.51 → $10. Times 1M = $490K/year.
4. Hidden Surcharge
Look for: "Convenience fee may apply" without stating amount. Visa/MC caps surcharges at 3%.
5. Unilateral Price Change
Look for: "May change pricing at any time." NACA's #1 harmful term for consumers.
6. Asymmetric Error Fix
Look for: "Undercharge = bill. Overcharge = credit." Same clause, very different enforcement.
7. Passive Acceptance
Look for: "Continued use = acceptance." Silence is not consent.