It is the policy of Bay Federal to address all written or verbal disputes promptly. If you would like a written response to a written notice of error, you must send the notice of error to Bay Federal Credit Union, Attention: Loan Servicing, 3333 Clares Street, Capitola, CA 95010 and include the following information in the notice: the account number, the disputed dollar amount, and a description of the suspected error. All written error resolution notices will receive a written response within thirty days.