(B) A consumer injured or damaged by an act in violation of this chapter or regulation promulgated pursuant to it, whether or not there is a criminal conviction for the violation, may file a civil action to recover damages based on the violation with the following available remedies:

1. (1) actual damages;
2. (2) punitive damages; and
3. (3) the costs of the action, including reasonable attorney's fees.

(C) An action brought pursuant to this chapter must be commenced within three years from the latest of the:

1. (1) consumer's last transmission of funds to the credit counseling organization;
2. (2) credit counseling organization's last disbursement to the consumer's creditors;
3. (3) credit counseling organization's last accounting to the consumer; or
4. (4) date on which the consumer reasonably discovered or reasonably should have discovered the facts giving rise to the consumer's claim.