[Cogito]

Reading the above comment, where does it say it has to be personally mailed?

> Your notice must be mailed to us at P.O. Box 15298, Wilmington, DE 19850-5298.

That sounds like it has to be mailed, but who does the mailing doesn't matter. Similarly, wouldn't matter if you used the post or a courier.

[mehrdadn]

I didn't mean "mail" as in "literally drop off the envelope in the post box", I just meant "mail" as in "write the letter to be mailed". And no, when I say "write" I don't mean it necessarily precludes voice recognition or whatever new counterexample you might be trying to think of now either.

[Cogito]

Fair enough.

I'm not sure what that means though. If I printed off the form from the website would that count as me writing the letter to be mailed?

In any case, in the stuff quoted up top, I don't read this concept that it must be done personally. For example, it seems like it would be fine for my accountant to do it for me (though they may need me to sign it? maybe they can affix a seal or something)

There must be a way for a business to opt out of this clause, right?

[mehrdadn]

Well I imagine the business case (if they even send the same kind of notification to businesses, which I don't know to be true or false) is easy since presumably the business's name is on the account and said business has someone authorized to take care of such paperwork, and I doubt the letter would (or should, for that matter) be accepted if it comes from someone else in the business. Presumably Chase could call back the business's legal department and ask if they weren't sure if it's valid? Dunno, but I don't see it as a very realistic question.

In terms of you as a consumer using the template they gave you, I mean, in principle I would assume it would count (you put your signature on it and mailed it; it clearly signals your own volition and intent to opt out), but I could see a judge saying no if Chase gave a convincing counterarguments why (e.g. hypothetically if Chase had a habit of getting a lot of legitimately fake opt-outs that they couldn't distinguish from yours, and if it would be obviously bad public policy to accept them, then yours probably shouldn't be valid either). Ultimately I'm not claiming gray areas are nonexistent...