JFCU logo
JOIN NOWLOG IN

Transaction Disputes

Resolve Your Concerns

1. Review the details of the charge
You can review transaction details on your account such as the merchant's name, phone number and your past activity with the merchant.

2. Contact the merchant
Merchants can resolve charge errors within a few days, where it can sometimes take banks weeks to resolve. Keep track of the date you contact them, who you speak with, and their response. We may ask for these details if you decide to open a dispute later.

3. Still not resolved? File a dispute.
You must contact us within 60 days after the error appeared on your statement.

For DEBIT CARD charges:
Posted debit card charges may be disputed by calling 888.918.7749.

For CREDIT CARD charges:
LOG IN to your account, find the transaction, press "Dispute" icon to start a dispute, select the description that best describes the dispute. We'll assist on your behalf. NOTE: If the credit card charge is pending, please wait 1-3 business days until it posts.

1) Press "Dispute" icon

Dispute screenshot

2) Select the description

Dispute 2 screenshot

If you have lost your card or have fraudulent transactions based on the information below, please call the appropriate number listed. A new card number will be generated at that point and mailed to the address on file. Allow 7-10 business days for arrival.

Lost/Stolen/Disputes — Credit Card (24/7): 866.820.3036
Lost/Stolen/Disputes — Debit Card (24/7): 888.918.7749




message

Dispute

You initiated the transaction.

Some examples of disputes:

  • chevron_right You've been billed twice for the same transaction.
  • chevron_right No credit has been received for returned merchandise.
  • chevron_right Issue with the merchandise or service where item or service is not as described or was never received.
  • chevron_right Canceled membership where fees continued to be deducted.
  • chevron_right Your card was charged even though you used cash or a different card.
  • chevron_right A charge higher than the amount on your receipt.
error

Fraud

You never participated in the transaction
or provided payment information to the merchant.

Some examples of frauds:

  • chevron_right Lost or stolen card or card information where a thief used it to perform transactions.
  • chevron_right Counterfeit cards.
  • chevron_right This charge wasn't made by another authorized user on your account.
  • chevron_right You haven't let anyone else use your card.
  • chevron_right You have reviewed the transaction detail keeping in mind some merchants use a different name or address for billing purposes and still don't recognize it.