How To Dispute A Charge On Tech Cu

If you’re a Technology Credit Union (Tech CU) member and need to dispute a charge on your account, you can follow these steps to ensure your issue is addressed effectively. Disputing a charge may involve unauthorized transactions, errors in billing, or any charge you believe was incorrectly processed. Here’s a step-by-step guide to help you through the process.

1. Review the Transaction Details

Before initiating a dispute, double-check the transaction details to confirm that it’s indeed incorrect or unauthorized. Review your Tech CU account statements, transaction history, and any receipts or records to ensure the transaction is erroneous or fraudulent.

2. Contact the Merchant First (If Applicable)

If the charge was made by a legitimate merchant but appears incorrect, such as duplicate charges or a wrong amount, it’s often best to reach out to the merchant first. Many disputes can be resolved faster by contacting the merchant directly and requesting a refund or correction.

3. Prepare Necessary Information

If you decide to proceed with the dispute, gather all relevant information to make the process smoother. This includes:

• Transaction date and amount
• Merchant’s name
• Any receipts or documentation of the charge
• Reason for disputing the charge (e.g., unauthorized charge, duplicate transaction, billing error)

4. Log in to Tech CU’s Online Banking or Mobile App

• Online Banking: Log in to your Tech CU online account, locate the disputed transaction, and look for options to report it as a dispute.
• Mobile App: Access the Tech CU mobile app, go to the transaction history, and select the transaction you wish to dispute. The app may provide instructions for initiating a dispute.

If you’re unable to find dispute options online, contact Tech CU’s customer service for guidance.

5. Contact Tech CU’s Member Services Team

If you need further assistance or prefer to handle the dispute over the phone, call Tech CU’s Member Services team. Explain the nature of the dispute and provide all relevant details so they can initiate the process on your behalf.

• Tech CU Member Services Phone Number: Check the latest contact number on Tech CU’s official website for accurate contact information and business hours.

6. Submit a Dispute Form (If Required)

Tech CU may require you to fill out a formal dispute form for certain types of charges. If needed, a representative will guide you through the process and inform you of any documentation required, such as transaction records or proof of contact with the merchant.

7. Monitor Your Account for Updates

After submitting a dispute, Tech CU will investigate the transaction and may issue a provisional credit if the case is determined to have merit. This temporary credit may be subject to reversal if the investigation concludes the charge was valid.

Keep an eye on your account for any updates regarding the status of your dispute, and be prepared to provide additional information if requested.

8. Follow Up as Necessary

Tech CU’s investigation may take some time. If you haven’t heard back within the timeframe Tech CU provided, reach out for a status update. They should be able to inform you of the dispute’s progress and any additional steps required.

Tips for Disputing a Charge Successfully

• Act Quickly: Most financial institutions have a limited window for filing a dispute. Report unauthorized charges as soon as you notice them.
• Keep Records: Retain copies of any communication with Tech CU, the merchant, and any relevant documentation related to the disputed transaction.
• Use Tech CU’s Resources: Tech CU’s website and customer support team can be valuable resources for dispute-related inquiries.

By following these steps and staying proactive, you can ensure your dispute with Tech CU is handled efficiently and fairly. For specific guidelines, always refer to Tech CU’s current policies on their official website.