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File a Dispute

Report inaccurate transactions on your TDECU account

How to dispute a transaction on your TDECU account

If you initiated a transaction with a merchant that resulted in an inaccurate charge to your TDECU account, you may need to dispute the transaction. A dispute may arise for several reasons, including being charged more than one for the same purchase, not receiving the purchased products or services, or being charged the incorrect amount. If you need to dispute a transaction, follow the steps outlined below.

Follow these steps to dispute an account transaction:


Contact the merchant

Reach out to the merchant and see if they will resolve the disputed transaction. If the merchant resolves the issue, no further action is required. If the merchant does not resolve the dispute, move to step 2.


Gather your documentation

For TDECU to try and resolve this dispute on your behalf, we require documentation showing you attempted to work with the merchant. This documentation may include receipts, letters, or email communications with the merchant regarding the transaction.


Report the dispute to TDECU

If you need to dispute a transaction on your TDECU credit card, please call (888) 918-7341.

For all other transaction disputes, please complete our online form or visit your local Member Center. Please contact us to dispute your transaction within 2 business days of becoming aware of the inaccurate transaction. For debit cards, disputes are reviewed and sent to Visa® within 10 business days.

Dispute a credit card transaction:

Dispute a transaction on all other TDECU accounts:

When should I dispute a transaction?
These transactions can be disputed:
  • Incorrect amount charged for a purchase, including duplicate transactions
  • Transaction was cancelled but the merchant still charged your account
  • Services or products were faulty or never received
These transactions cannot be disputed:
  • Food orders that are incorrect, not prepared correctly, or unsatisfactory
  • Salon visits, such as for nails or hair
  • Cleanliness of hotel or motel rooms
  • Lack of hotel or motel amenities
  • Verbal agreements for services
  • Trial memberships when cancellation agreements were not followed or documented

Contact us to report fraud or any suspicious activity
– we are here to help

To dispute a transaction:

To report fraud:

To report a phishing attempt:

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