Disputes & Fraud for Personal or Business Transactions

At Elevations, your security is a top priority.

Dispute a Charge / Report a Fraudulent Transaction

We work hard to keep your information and accounts secure. As a member convenience, our fraud monitoring service keeps an eye on your accounts for potentially fraudulent activity. However, if you feel your information may have been compromised or that you were unfairly charged by a merchant, please contact us as soon as possible.

Report Fraud

Fraudulent transactions are often the result of counterfeit or skimmed cards, computer breaches or a lost or stolen card. 

If you feel that your account may have been compromised, please contact us immediately. 

To report fraudulent activity, please call:

888-346-4412

Dispute a Charge

Possible reasons for a dispute may include if you receive a service or merchandise that was defective or not as described, you didn't receive the service or merchandise or the order or service was canceled or returned after you paid for it, being double charged by a merchant, if you canceled a service but the merchant continued to charge you, if you paid by other means but were still charged on this card, a processing error or an ATM/POS dispute. Please call us as soon as possible to start the claim process.

Alternatively, please find the appropriate form below, fill it out and fax it back to us or drop it off at an Elevations branch.

For faxes, after your fax goes through, please keep the confirmation sheet from the fax machine that says the fax was successfully sent. 

Please note: Filing a dispute via phone is the fastest way to handle a claim. 

To file a dispute, please call:

888-346-4412

Dispute Claim Forms

Alternatively, you can complete the appropriate form(s) below and fax back to us at 303.402.5180 or drop it off at an Elevations branch. For faxes, after your fax goes through, please keep the confirmation sheet from the fax machine that says the fax was successfully sent. 

  • Dispute – Merchandise Not As Described or Defective - Use This Form (PDF)
    Did you receive the wrong color, size or quantity? Was your merchandise damaged or missing part of your order? Use this form to dispute that transaction(s). These are common examples but not all reasons are listed if you have questions please call 1.888.346.4412.

  • Dispute – Merchandise/Services Not Received - Use This Form (PDF)
    Was the merchandise or services ordered not received or fulfilled as expected? Did the merchant not send the order or was it received late?  Use this form to dispute that transaction(s). These are common examples but not all reasons are listed if you have questions please call 1.888.346.4412.

  • Dispute – Processing Errors - Use This Form (PDF)
    Was the incorrect amount charged for you transaction(s), were you billed more than once or pay by other means? Use this form to dispute that transaction(s). These are common examples but not all reasons are listed if you have questions please call 1.888.346.4412.

  • Dispute – Cancelled or Returned Merchandise/Service - Use This Form (PDF)
    Was your transaction cancelled or merchandise returned but your card was still charged or a refund not processed? Use this form to dispute that transaction(s). These are common examples but not all reasons are listed if you have questions please call 1.888.346.4412.

  • Fraudulent Transactions - Use This Form (PDF)
    Fraudulent transactions can often be a result of counterfeit or skimmed cards, computer breaches, or your card may have been lost or stolen and someone used it. As a member convenience, Elevations fraud monitoring service monitors your account for potential fraud. However, if you have unauthorized charges on your debit card or credit card this may be the result of a fraudulent transaction. – If you have questions please call 1.888.346.4412.

  • ATM / PIN / POS Disputes - Use This Form (PDF)
    Did your deposit not credit or cash withdrawal dispense an incorrect amount?  Did you use your PIN number at a merchant and have an issue with your merchandise?  Use this form to dispute that  ATM or PIN Based Merchant transaction(s) These are common examples but not all reasons are listed if you have questions call 888.346.4412.
  • Multiple Disputes - Use This Form (PDF)
    Use this form if you have a need to dispute multiple transactions.  If you have questions call 888.346.4412.

Still have questions? Please call One Call Resolution, available 24/7, at 888.346.4412.

Note: All disputes must be received within 60 days of the statement on which the disputed item appears. If your disputed transaction is past that time frame you will need to resolve the matter directly with the merchant.


Frequently Asked Questions

How long will it take to resolve a Visa dispute or fraud?

How can I research Visa purchases appearing on my statement?

When will I receive reimbursement for a disputed or fraudulent Visa charge?

Why do you post fraudulent or unauthorized Visa charges?

If my card is Lost/Stolen and I have it reissued will the PIN stay the same?

How do I report fraud or dispute a charge on my HSA debit card?

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