Disputes & Fraud for Personal or Business Transactions

At Elevations, we are concerned about your security.

In times when you feel that your account may have been fraudulently tampered with or you have been charged for something that you didn't pay for, we're here for you. Please follow the below steps to dispute a charge or report a fraudulent transaction on your debit card or credit card.

Dispute a Charge / Report a Fraudulent Transaction

Possible reasons for a dispute may include: being double charged by a merchant, if you cancelled a service but the merchant continued to charge you, if you paid by other means but were still charged on this card.

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.

STEP 1 - Fax your Dispute or Fraud claim:

A. Complete the appropriate forms:

  • 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.

B. Fax forms to 303.402.5180. After your fax goes through, please keep the confirmation sheet from your fax machine that says the fax went through successfully.

STEP 2 - Still have questions? Please call:

  • One Call Resolution number at: 888.346.4412
    Hours: 24/7
  • 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?

© Elevations Credit Union. All Rights Reserved. Routing# 307074580
This site is best viewed with a standards compliant browser.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency