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Payment Disputes & Associated Forms

The American payments system has long relied on the trust of the public. For many years, until 1964, U.S. coin and currency was based on the value of silver… Coins were actually worth, in their metal content, the stated face value, and paper money was exchangeable for its face value in silver – of course, the public simply had to trust the promise of exchange. In 1964 the U.S. government abandoned the silver standard for yet another form of trust… the value of currency and coinage was now based on the “full faith and credit of the U.S. Government”. 

Today, the payments system is dominated by electronic transactions… an abstract concept by comparison to days gone by, but still one based largely on trust. In order to maintain the public’s faith in the U.S. payment system, the government has initiated regulatory protections. Arguably, the most significant of these is Banking Regulation E. Reg. E provides comprehensive consumer protections, and in many cases, permits consumers to formally contest disputed transactions. In addition to Reg. E protections, Visa™ and the other card networks have initiated protections and liability limitations which exceed even the consumer-friendly protections of Reg E. For details, click here.

If you have reason to dispute a transaction for any reason,  for instance, if a charge was unauthorized, if you revoked a previous authorization, if you were charged an amount other than agreed or at a time other than agreed, if your ATM or Debit Card or Credit Card was used fraudulently as a result of the card number being compromised, or the card lost or stolen, or any number of other scenarios, you have the right and ability to contest incorrect electronic charges. However, it is imperative that the consumer does so as soon as possible, and certainly before Reg E protections wane after 60 days following the date the contested item appeared on your statement. It cannot be overstated how important it is to keep tabs on your account and to contest any inaccuracies as soon as possible. 

Below are links to several forms used to contest improper electronic postings to your accounts. Should you feel justified in contesting an electronic transaction which has posted to your account, or need to stop a payment which you expect to post to your account, please fill out the applicable form below and bring it in to one of our business offices for processing. If you are contesting an electronic charge to your account, you must first contact the merchant (if possible) to attempt to resolve the matter. Document the time and date of your contact attempt(s), and the name of the individual(s) you contacted. If unsuccessful in your efforts, please provide the appropriate form along with any applicable documentation (receipts, copies of bank statements, or vendor agreements which may indicate a breach of contract). If the Credit Union finds just cause for your dispute, we will credit your account and either return the ACH item in question, or initiate a formal dispute with the merchant in question and provide you provisional credit while the final determination is being made.

  • ACH Dispute Form: This form is used to contest any error resulting from an electronic transaction – other than a card transaction (ACH, Online Banking, Bill Pay, check converted to electronic form at the point of sale, etc.). 

  • ATM/POS Dispute Form: This form is used to contest any improperly posted transaction resulting from the use of your ATM Card, Visa Debit Card or Visa Credit Card.

  • Stop Payment Request Form: This form is used to stop a previously authorized payment that has not yet posted to your account. This form is used for both stopping payment of paper checks as well as recurring electronic transactions which you expect to post to your account.
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