1. Attempt to contact the merchant. Before SWMCFCU can begin to work on your dispute case, you must make every effort to resolve the dispute with the merchant first. After contact has been made with no resolution or there is no means of contact, you may then complete the
Card Dispute Form Here. Make sure you keep a timeline of all your efforts to support your case.
We do not encourage you to email the dispute form through unsecured email connection. Please speak with a member service representative first. 2. Often, free trials offered by merchants will enroll you into other offers when you accept and agree to their terms and conditions. Most trials can be cancelled at any time and may issue a refund at the discression of the merchant. Its important that you call this merchant first and attempt to cancel the trial. Make sure you keep a timeline of all your efforts to support your case.
3. Disputes must be submitted within sixty days of the transaction date.
4. SWMCFCU highly recommeds you have supporting documentation for your dispute. The Debit/Credit Card Dispute Form must include copies of documentation to support your dispute. VISA Regulations require documentation to substantiate disputes, therefore detailed information is required. The Credit Union will need the signed form stating the efforts and results of your contact with the merchant, copies of proof of returns, credit slips, cancellation numbers, and date cancelled where applicable. Failure to show support for your dispute may slow the process and/or result in a failed attempt to restore your funds.
5. Fraudulent Transactions. If the transactions posted to the account were fraudulent, you are not required to contact the merchant directly, however, you are required to complete the Dispute Form in its entirety.
6. Once the form is received and we have all of the documentation, we will process the dispute and provide a provisional credit to the account within 2-5 business days. Please note, it is possible after the investigation that VISA may conclude the charge was not fradulent and funds could be taken back out of your account. Both pages of the Dispute Form are required to be completed. You may bring the dispute form into either of our branches personally, you may fax the dispute form to 406-563-7122 or 406-782-8339.
We do not encourage you to email this form form through unsecured email connection. 7. Questions? Please call us during business hours. Anaconda Branch 406-563-8484 or our Butte Branch 406-782-8337
