DIANE P. WOOD, Circuit Judge.
It can be annoying, difficult, and ultimately expensive for a consumer to straighten out errors in a credit card statement, as Jeffrey Strange found out when he purchased a window at Home Depot, Inc., for $346.21. He charged the purchase to his Home Depot credit card, which had been issued by the Monogram Credit Card Bank ("Monogram"). Strange soon discovered that the size of the window had been mislabeled and that he therefore could...
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