Scenic Community Credit Union is committed to providing excellent service and helping you resolve any issues you may encounter with your debit card transactions. If you believe there is an unauthorized or incorrect charge on your statement, you can file a card dispute with us. This guide will walk you through the process step by step.
Step 1: Gather Information
Before you begin the dispute process, make sure you have the following information at hand:
- Your account details (account number, card number).
- Details of the disputed transaction (date, amount, merchant's name).
- Any supporting documentation (receipts, invoices, emails, etc.).
Step 2: Contact the Merchant
The most efficient method for rectifying an incorrect or fraudulent charge is to directly reach out to the merchant. Usually, merchants have the capability to expedite the reversal of the charge, a process that tends to be faster compared to initiating a formal dispute through your financial institution. By communicating with the merchant, you can often resolve the issue more promptly and with less hassle than going through the dispute process with the financial institution.
Step 3: Contact Our Member Services
The first step is to contact our member services team to report the dispute. You can reach us through the following methods:
- Phone: 423-875-6955
- Email: mbrserv@mysccu.com
- In-Person
During this initial contact, provide as much detail as possible about the disputed transaction. The member services team will guide you through the process and may ask you to complete a card dispute form.
Step 4: Complete a Card Dispute Form
If required, you may be asked to complete a card dispute form. You can download this form from our website or pick it up at one of our branch locations. This form will ask for details about the disputed transaction, your card information, and a description of the issue.
Step 5: Submit Supporting Documents
Attach any supporting documents that can help us investigate the dispute effectively. These documents may include receipts, invoices, screenshots, or emails related to the transaction.
Step 6: Investigation
Our team will review the information and documentation you provided and initiate an investigation. This investigation may take some time, and we will keep you updated on its progress.
Step 7: Resolution
Once the investigation is complete, we will inform you of the outcome. If the dispute is resolved in your favor, the funds will be credited back to your account. If the dispute is not resolved in your favor, we will provide you with an explanation.
We understand that card disputes can be stressful, and we are here to help you through the process. If you have any questions or need further assistance, please do not hesitate to reach out to our member services team.
Disclaimer: Please note that the information provided on this page is intended as a general guide. The card dispute process may vary depending on the specific circumstances, and we recommend reaching out to member services for personalized assistance.