Cardholder Dispute Form (POS)

Fraudulent Use of Debit Card

PLEASE READ CAREFULLY BEFORE FILLING OUT DISPUTE FORMS

Dear Credit Union Member,

Attached are the forms required to dispute a Visa/Debit card transaction. Please read this packet carefully and answer all questions as accurate as possible.

If your card was lost or stolen and you have any type of fraudulent charges on your account we may ask you to file a police report. In the event we do ask for a copy of the report, please attach it to this packet before returning to the Electronic Services Department. Be sure to provide a detailed explanation on the last page of the dispute packet. Please be aware that by filing this dispute, PCFCU may press charges to the fullest extent of the law.

If you are disputing a charge for any other reason, you must first go to the merchant to resolve the matter. If the merchant refuses to resolve the matter, complete this packet and return to the Electronic Services Department. Be sure to provide a detailed explanation on the last page of this packet including names of the person you spoke with, the date, time, and the phone number that you called.  We may contact you for additional paperwork.

If you are disputing merchandise that was never received or merchandise you returned, the merchant has 30 business days to refund credit. A dispute form can not be filed before the 30 business days.

If your transaction was authorized but you later discovered it to be a scam, the credit union may deny your dispute.

The Credit Union has 7-10 business days upon receiving your dispute form to issue provisional credit to your account. New Accounts opened within the last 30 days, may take up to 20 days to receive provisional credit. Under Regulation E, you must inform us within two (2) business days after you learn of the loss or theft of your card, to limit your liability to $50.00.