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The following navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move across top level links and expand / close menus in sub levels. Up and Down arrows will open main level menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
The site navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move across top level links and expand / close menus in sub levels. Up and Down arrows will open main level menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
Our Card Services team receives, reviews, and then sends the claim to a third-party processor.
3. Grant
A provisional credit will be issued to your account or credit card.
For fraud claims, we will grant the credit within 10 business days from the claim submission date.
4. Investigate
You may receive communications from the processor requesting supporting documentation. Please respond during the specified timeframe or the case may be closed.
5. Determine
The processor makes a determination based on the case's facts. It could be found in favor of: 1. The member, and the provisional credit becomes permanent. 2. The merchant, and the provisional credit is removed.
WHAT IS A DISPUTE?
Disputes safeguard against deceitful, dishonest, or otherwise inaccurate behavior from a merchant.
Some examples of when to dispute a card transaction include:
You paid for a good or service that was not received.
You returned a product but did not receive a credit to your account.
A transaction on your account was posted for a different amount than expected.
A legitimate transaction posted to your account more than one time.
After clicking the CONTINUE button, you will be redirected to a web site that is not operated by Y-12 Federal Credit Union. Please review the website's privacy and security policies as they may differ from Y-12 Federal Credit Union.
Before applying online, be sure to check your Online Banking or Mobile App for pre-approved loan offers. Look for My Loan Offers in the menu.