What to Expect During Your Dispute Review
We’ll review your claim and keep your account protected while we investigate.
Understanding the Claims Process
- We resolve most claims within 10 business days.
- If more time is needed, we’ll issue a provisional credit.
- Any related fees will be reversed if a provisional credit is issued or when the claim is resolved.
- A claims specialist may contact you if we need more information.
We take immediate steps to secure your account.
- The affected card will be closed and can’t be used again.
- Visit any branch for an instant‑issue card or receive one by mail in 7–10 days.
- Update any merchants that bill your card for recurring or one‑time payments.
- Remove the card from your digital wallet if fraudulent wallet transactions occurred.
You’ll receive a final resolution letter once the review is complete.
- If your claim is approved, any provisional credit becomes permanent.
- Any related fees will be refunded, when applicable.
Simple steps can help protect your accounts and personal information.
- Change your PIN every six months or anytime you suspect it’s compromised.
- Choose a PIN that isn’t tied to personal information.
- Don’t write down or share your PIN.
- Shield your PIN at ATMs and take your receipts with you.
- Only share your card number when you initiate the call or message.
- Look for secure website indicators like “https” or a lock icon.
- Sign out and close your browser after online transactions.
- Use passwords that are strong, unique, and changed regularly.
- Keep your devices locked and updated with current security software.
- Avoid opening links or attachments from unknown senders.
- Report any suspicious account activity right away.
