You will be asked to identify the transaction(s) that you believe to be unauthorized or errors and answer a few basic questions. It is important to have the information you need handy when filing a dispute to make your dispute process as streamlined as possible.

 

Before you get started:  

 

  • If the transaction you are trying to dispute is over 6 months old, or if the grand total of the transaction(s) exceeds $5,000 please reach out to our Customer Service Center at 888-584-3644.
  • Pending transactions cannot be disputed. If the transaction(s) you need to dispute are pending, please attempt to resolve with the merchant or file the dispute once the transaction has hard posted to your account.
  • Disputes should be filed on transactions that have processing errors or are unauthorized. Issues with the quality of the goods or services purchased need to be resolved with the merchant directly.
  • Working with the merchant directly is typically a faster and more efficient way to resolve your concern. Reach out to the merchant before filing a dispute and save any communication.
  • Check your receipts for similar charges or for charges that may add tips to the subtotal amount.
  • Double check with other authorized account signors to ensure they did not authorize the transaction(s).
  • Please gather all documentation between yourself and the merchant. This can include receipts, attempts to return and/or cancel, or email/chat communications.
  • Please use the links below to see some helpful information published by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) on your rights and protections.

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