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All Apple offices will be closed on Monday, September 7, in observance of Labor Day.
Use the guide below to learn how to dispute a transaction, report fraud or report a lost or stolen card.
If a transaction posted to your Card appears incorrect, learn how to dispute it.
If you don’t recognize a transaction posted to your Card, learn how to dispute it as fraud and immediately shut down the card.
If your Card is lost or stolen, or you suspect fraud, cancel your card to secure your account.
If your transaction shows an incorrect amount, duplicate charge, canceled service that was still billed or a refund that was not processed, please contact the merchant first to attempt resolution.
If the issue remains unresolved, you may file a dispute within 60 days of the statement date on which the transaction appears. Be sure to gather any receipts, contracts or communication with the merchant before starting your dispute.
At Apple FCU, we are committed to resolving Card disputes promptly and transparently. Here’s what you can expect during the process:
File your dispute by phone call, in branch or in Online Banking by navigating to Account Services > Disputes, or within your transaction history. You will be able to track your dispute in Online Banking, as well as upload requested information.
After submitting your dispute, you’ll receive confirmation, typically within a few days, by email or mail if there is no email address on file.
Our team will review your account and the disputed transaction. If we need more information, you’ll receive a written request. Please respond within 10 days to avoid automatic closure of your dispute.
Most investigations are resolved in 45-90 days. In some cases, this period may be extended if more time is required.
To ease immediate financial strain, we may issue temporary credit for the disputed amount while we review your dispute.
Once the investigation concludes, you’ll receive a written determination. If the dispute is resolved in your favor, any temporary credit issued will become permanent.
If the dispute is not resolved in your favor, you will receive an email containing the documentation used during the investigation. Any temporary credit previously issued will be reversed, and you may continue working directly with the merchant to resolve the matter.
If you don’t recognize a transaction, you may file a dispute within 60 days of the statement date on which the transaction appears. You’ll receive temporary credit within 10 business days. A new Card will be mailed to you within 7-10 business days, or you can visit a branch for an instant-issue Debit Card.
Automatic payments, subscriptions and digital wallets may need to be updated with the new Card information.
At Apple FCU, we are committed to resolving Debit Card Fraud Claims promptly and transparently. Here’s what you can expect during the process:
File your dispute by phone call, in branch or in Online Banking by navigating to Account Services > Disputes, or within your transaction history. You will be able to track your dispute in Online Banking, as well as upload requested information.
After submitting your dispute, you’ll receive confirmation, typically within a few days, by email or mail if there is no email address on file.
Our team will review your account and the disputed transaction(s). If we need more information, you'll receive a written request. Please respond within 10 days to avoid automatic closure of your dispute.
Most investigations are resolved in 45-90 days. In some cases, this period may be extended if more time is required.
To ease immediate financial strain, we may issue a temporary credit for the disputed amount(s) while we review your dispute. For Credit Card disputes, the fraudulent amount(s) will be removed from your balance during the investigation.
Once the investigation concludes, you’ll receive a written determination. If the dispute is resolved in your favor, any temporary credit issued will become permanent.
If the dispute is not resolved in your favor, you will receive an email containing the documentation used during the investigation. If no additional information is provided within 10 days, any temporary credit issued will be reversed.
Debit Card
A replacement Debit Card will be mailed to you within 7-10 business days, or visit a branch for an instant-issue card.
Credit Card
A replacement Credit Card will be mailed to you within 7-10 business days.
We’re here to assist you every step of the way. If you have any questions during the process, please don’t hesitate to contact us.
Please ensure that your mailing address on file is up to date to avoid any delays in getting your Card.
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