(719) 392-8439
1180 Crawford Ave, Colorado Springs, CO 80911
Debit Card Dispute
We here at your friendly neighborhood credit union recognize that unauthorized charges are a fright. Some of us may not even know where to start. What even is a dispute? Who do you contact? What do you say? How long will this painstaking process meander on? Why are there so many questions on this page yet no answers so far?
A dispute is the process in which you contest that there is a billing error on your account or that a merchant did not honor their terms and conditions. There are a few forms of disputes, in this document we will be focusing on debit card Disputes and credit card Disputes.
DEBIT CARD (GREEN)
The first step on any dispute starts before any paperwork for the dispute is made.
Double-check the charges
Filing a dispute may not always be the best option. Before you dispute a charge, double check that:
- The charge has posted. We cannot work to dispute a charge before the charge is fully posted. The easiest way to check is through the Touch Banking app or our website: www.sd3fcu.org.
- Check with other people authorized to use the account to make sure that they didn’t make the charge.
- Check your paper and digital receipts – it’s easy to confuse similar charges or forget about tips.
Start with the merchant
The fastest and easiest way to resolve a dispute is by contacting the merchant.
When contacting the merchant, you will need to inform them of the date and time of the charge. If known, the item or service purchased. Along with this, they will need a description of the problem at hand.
Take notes of your correspondence with the merchant. (i.e., When you called, who you spoke to, if a reimbursement was promised, etc.)
If you have any documentation supporting your claim, it would be wise to send copies along with a description of the information you are including.
No luck with the merchant?
We’re here to help. You can send us a Debit Card Dispute form available on our website, or use . These forms are available online and at our location for your convenience.
CREDIT CARD (SILVER)
Double-check the charges
Filing a dispute may not always be the best option. Before you dispute a charge, double check that:
- The charge has posted. We cannot work to dispute a charge before the charge is fully posted. The easiest way to check is through the Ez Card website.
- Check with other people authorized to use the account to make sure that they didn’t make the charge.
- Check your paper and digital receipts – it’s easy to confuse similar charges or forget about tips.
Start with the merchant
The fastest and easiest way to resolve a dispute is by contacting the merchant.
When contacting the merchant, you will need to inform them of the date and time of the charge. If known, the item or service purchased. Along with this, they will need a description of the problem at hand.
Take notes of your correspondence with the merchant. (i.e., When you called, who you spoke to, if a reimbursement was promised, etc.)
If you have any documentation supporting your claim, it would be wise to send copies along with a description of the information you are including.
If the merchant won’t work with you
Call the number on the back of your card: 1(800) 247-4222 or call the branch at: (719) 392-8439.
