How do I dispute a transaction on my credit card?

We're here to help. When we ask for more information about the circumstances, please answer as accurately as you can.

To dispute a transaction using online and mobile banking

  1. Choose the credit card the charge was made to.
  2. Select the transaction in question to expand the details and choose Dispute this transaction.
  3. Answer the questions to help us determine the reason for your dispute, then select Continue to start your case. 

Additional information

If the case can be submitted through digital banking, you'll receive confirmation once the steps are completed.

If the dispute option doesn't appear or if you have any questions, call us at 800-285-8585 to speak with a banker.

If you'd prefer to contact us in writing, please include the following in your letter. 

  • Your name, card number, address, and phone number.
  • The amount of the transaction and the date it posted.
  • The reason for the dispute and why you believe a mistake was made.

The address to send the above information to is:

Cardmember Service
PO Box 6352
Fargo, ND 58125-6352

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.