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Community Credit Union will strive to process your debit card dispute as quickly and efficiently as possible. Should you need to submit a dispute for your debit card, it is important that you provide us with all pertinent details and requested information. Without these details and information, we will not be able to process your request.

To process a dispute for your debit card, we will need the following:

• A clear and legible letter stating the reason for the dispute. This letter should be as detailed as possible. At a minimum, we need the following details:
• Your name (your name must be the name on the card used for the purchase of the product or service you are disputing)
• Your debit card account number
• The dollar amount of the dispute (if the amount being disputed is different than the amount of the original purchase, please explain why)
• The names of the individuals you spoke with at the merchant regarding the dispute
• The dates of all conversations, emails, etc. relating to the dispute – please provide copies of all communications if you are able
• A detailed description of what you have done to try and resolve the dispute on your own – include the merchant’s actions or response in your description
• If the merchant offered an alternative that was not acceptable to you, explain why the offer was not acceptable
• Any additional details that you feel may be pertinent to the dispute
• Your signature and date at the end of the letter
• Copies of all receipts, instructions, pamphlets, etc. that you received from the merchant for the product or service you purchased.
• If you received actual merchandise, you must return the merchandise before we can process the dispute. You will need to include a copy of your proof of return with your letter.

As a reminder, a dispute cannot be processed if it is received more than 60 days after the statement in which the purchase appeared – refer to the Member Liability/Lost or Stolen Cards section of the Electronic Funds Transfer Agreement and Disclosure within your Account Disclosure booklet for more information regarding your billing rights and limitations.

If you have questions regarding the details and information we are requesting, or have general questions about the dispute process, please contact Member Services at 321.690.2328 or 1.800.690.2338.