How do I dispute a transaction on my account?

To dispute a transaction on a Coastal Credit Union account, the first step is to review the charge carefully and confirm whether it is truly incorrect, duplicated, unauthorized, or for an amount different from what you expected. It is helpful to gather the transaction date, the merchant name, the amount, and any supporting details such as receipts, order confirmations, or screenshots. The dispute process usually depends on the type of transaction. Debit card transactions, credit card transactions, and electronic transfers can each follow different rules and time limits. In many cases, members can start by reviewing the current web page for the most up to date dispute instructions, forms, or phone numbers. If the transaction is still pending, it may not be possible to dispute it until it posts. If the charge was made fraudulently, it is important to act quickly because card issuers and financial institutions often have deadlines for reporting unauthorized activity. If the issue is with goods or services not received, keep all communication with the merchant, since that may be needed during the investigation. Coastal Credit Union generally reviews disputes by examining transaction records, card network rules, and any documentation provided. The process can take some time, so keeping notes on the dates and outcomes is useful.