To dispute a charge on your debit card, contact us by email or phone after the transaction settles. We cannot dispute a debit card transaction until it settles. If you choose to email us, please include as much information as you can about the circumstances around this transaction, and the reason for your dispute.
Before disputing a transaction, please review the following information:
- If you think your card may be lost or stolen, or you notice unrecognized transactions or account activity, freeze your card right away. If you cannot sign in to freeze your card, call us for immediate assistance during business hours, or contact 1-800-Mastercard outside of business hours for 24-7 support.
- If you have problems with a purchase, your fastest recourse is through the merchant, but we can also help you with this type of dispute once the transaction settles.
- Merchant refunds and reversals can take up to 2 weeks to appear in your account. Save your correspondence, and contact us if a promised refund has not appeared after two weeks.
- If you a merchant you have previously authorized continues to bill you after you have cancelled services and removed your card information from their website, you may email us to request a payment cancellation for a specific merchant, or opt-out of merchants receiving automatic physical card updates.
- International transactions carry a 1% fee, including online transactions with online merchants operating internationally.
- When using your debit card with hotels, rental car companies and gas stations, authorizations may include a 10% buffer and may persist for several days after the transaction has settled.
- Pending transactions can take up to 7 calendar days to post. If you see any erroneous pending amounts after 3 days, please email us a receipt showing the final amount, or include the reason that a charge should not settle (purchase cancelled, paid by other means, etc).
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