Unauthorized transactions3/24/2023 ![]() ![]() If you have previously contacted the merchant for a refund, any prior communication with the merchant – dates, email correspondence, etc.Once we open your dispute, we may request that you forward us additional information to support your claim.In the event that you contact us after 60 days, our options may be limited to assist you. It is of utmost importance that you submit your dispute within 60 days of the error first appearing on your statement.A detailed description of what you believe is wrong.The dollar amount of the suspected error.In order for us to open a transactional/billing dispute, you will need to provide us with the following information:.Transactional/billing disputes (for example, you were erroneously billed twice for a single purchase or were billed too much for a transaction.In general, there are two categories of disputes: ![]() However, you might want to consider contacting the merchant first. We will open a dispute claim for you upon your request. If we determine your PIN has been compromised, we will need you to visit a local branch to complete a Statement of Facts regarding the transactions.įor more information about safeguarding your information, visit our our Security and Fraud Protection page.We will close your card and issue you a new one.If necessary, we will immediately freeze your account to prevent further unauthorized activity, and the fraud team will open an investigation.To assist us, please review your account to identify any suspect activity and be prepared to provide us with all details regarding the charge(s):.When you believe that a transaction in question may be fraudulent/unauthorized, call us promptly at 80 so that we can begin a Fraud Claim. Speak with people who may have or have access to the card such as household members, joint account holders, or any authorized user you may have named.Think about whether the amount of any of your recent purchases matches the amount of the transaction in question and whether the merchant may have charged or billed under a different name.If you notice an unfamiliar charge on your card or statement, you can consider taking the following quick steps before promptly reporting a suspect transaction to us: The transaction may have been made by an authorized user of your card who didn’t tell you about it.Retailers sometimes bill under different names.A few things can make a legitimate transaction appear suspect. When you see an unfamiliar charge on your card, a natural reaction is to reach immediately for the phone. ![]() Tips for when you suspect fraud on your Credit or Debit Card: A written statement may be required from you within this 10 business-day period in order to credit your account.If your card is lost or stolen, call us immediately, at 80. If we take more than 10 business days to do this, we may provisionally credit your account for the amount in question so that you will have the use of the money during the time it takes to complete our investigation. We will investigate your complaint and correct any errors promptly.
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