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How Does the Dispute Process for Debit Card Transactions Work?
How Does the Dispute Process for Debit Card Transactions Work?
Leigh Hemmings avatar
Written by Leigh Hemmings
Updated over a week ago

You can use the Debit Card Dispute form that is linked below to request assistance with disputing debit card transactions that have been posted to your account. Debit Card transactions can be disputed for various reasons, such as:

  • Unauthorized (fraudulent) transaction(s)

  • ATM Dispenser issues

  • Merchandise or Service not received from a Merchant

  • Cancellation of Merchandise or Service with a Merchant

  • Dissatisfied or charged incorrectly for Merchandise or Service from a Merchant

You will be asked a series of questions to help us better understand while investigating your dispute.

What will I need?

  • Debit card number

  • Dollar amount of the transaction(s)

  • Name of the merchant(s)

  • Date of the transaction(s)

  • Receipts may be required, depending on type of dispute you are filing

What you can expect:

  • Upon receipt of the completed Debit Card Dispute form, we will begin an investigation. We may contact you to discuss your dispute and/or obtain additional information from you to complete our investigation.

  • You may qualify for provisional credit while we complete the investigation. If your dispute qualifies, we will deposit the amount of the disputed transaction(s) into your account. You may use the deposited amount as needed during the investigation timeline.

  • During the investigation process, letters will be sent regarding your dispute. Please watch for this correspondence and ensure that you read the letters in their entirety. Additional information may be requested to assist with your dispute.

  • The investigation can take 45-90 business days.

  • Depending on the outcome of the dispute, reversal of the provisional credit may be necessary. You will receive information via mail on any denials from your dispute.

If you have any questions or problems, please contact us at 781-749-2200.

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