How do I dispute a transaction on my account?

We have 10 business days (Monday – Friday) to investigate debit card disputes. This timeline may be extended to 45-90 days. See your Electronic Fund Transfers Agreement and Disclosure for more information. We have up to 90 days to investigate credit card disputes. See your Visa Credit Card Agreement and Disclosure for more information.

Fraudulent charges include:

• Unauthorized charges
• Transactions from a lost, stolen, or compromised card
• In some situations, we may request a police report to help support your fraud claim and our investigation.

If you have fraudulent transactions on your account due to a lost, stolen, or compromised card, contact the police in the city/state the fraud occurred to report the unauthorized charges. Provide the case number, officer name, and telephone number on the Dispute form before submitting. For more information, visit veridiancu.org/dispute.

If you have a problem with the quality of the property or services purchased with your credit card, you must make a good faith attempt to resolve the dispute with the merchant. If you have not reached a resolution with the merchant, then to assist you with your dispute, we may require specific documentation from an expert or professional that supports your dispute about the level of quality or misrepresentation described on the original receipt, invoice, work order, brochure, contract, or appraisal before we can properly pursue a credit for any portion of the amount(s) in question.

While we will make every effort to support you through the dispute process, we cannot guarantee a specific outcome. Please note that we are unable to place a stop payment on card transactions.