Have you ever been a victim of credit or debit card fraud? You might remember that sickening feeling you got seeing an online purchase to your account made in California—only you’re in Michigan.
Luckily all of our Consumers Mastercard cardholders are protected with fraud monitoring in real time and many fraudulent purchases are stopped right away.
Should an authorized transaction still make it onto your checking account, you’ll need to file a dispute. You can do so by stopping by an office, calling or (new!) by filling out the Debit Card Dispute Form in Online Banking.
Here’s how to file a dispute online:
- Log in to Online Banking.
- Under the Secure Forms tab, click Debit Card Dispute Form.
- Complete the PowerForm Signer Information screen and click Begin Signing. You can also choose to have a signed copy of the submittal form emailed to you for your records.
- Complete the form as directed.
- The dispute will be submitted to Consumers for processing. Please note that for your protection, by submitting the form, your affected debit card may be cancelled immediately if fraud is suspected. You will be prompted to choose how you’d like to receive a new card, if applicable:
- By mail (7-10 days)
- Go into an office
- Card has already been ordered (Select this option if you have already talked to someone in our Member Service Center.)
- After the dispute is filed, you will receive confirmation (by either your choice of text or email) that the form has been processed and should receive provisional credit for the unauthorized transaction within 10 days (or sooner). Otherwise, you will receive a call if there are follow-up questions, as situations may vary.
In the past, disputed transactions over $50 required members to come into an office for a signature. However, the signature portion can now be accomplished through the online dispute process, which saves everyone time.
If you have questions about your Mastercard benefits, fraud monitoring or the card dispute process, please call us at 1.800.991.2221.