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Unauthorized transactions2/22/2023 ![]() Make sure you change all of your auto pay information if you receive a new debit card. This ensures your old card cannot be charged for further transactions. You should always report a lost or stolen debit card and get a new one. The bank may decide to issue you a new debit card and deactivate the old card. You will want to report this information to the card issuer. Verify you have made all of the transactions and take note of any transactions that you did not create. You should also comb through your recent transaction history. The bank may have already detected fraudulent charges, but it is still your responsibility to notify the bank. It is important to contact your bank immediately if someone uses your debit card, even if you have the physical card. You can also contact your police department to open up a fraud investigation. The bank may issue a new debit card and you can change your PIN as well. Immediately contact your bank if someone uses your debit card without your permission. Thank you for your support! What do I do if someone used my debit card without permission? Whenever we can, we’ll provide you with further information as to why we had to deny your dispute.This article may contain affiliate links which pay a commission and supports this blog. If we’re not able to find a provable error, the disputed transaction will be considered valid and we’ll remove any temporary credit we provided. ![]() While we settle most disputes within 30 to 60 days, some may take longer. We’ll make sure you receive the results of our investigation via email. We will notify you via email once your dispute has been successfully initiated and confirm whether a temporary credit has been applied to your account. Some disputes may not be eligible for a temporary credit. If we receive enough information to proceed, a temporary credit may be applied to your account. Note: You must file a dispute claim within 60 days of the transaction date. goods or services not received, or not as described), please complete one form per payment dispute. Note on submitting multiple disputes using one form: If your answer to the first question "Do you believe this payment is fraudulent?" is Yes, you will be able to select up to 10 payments to dispute via this single form. If your answer is No, because you authorized the payment but are disputing for a different reason (e.g. ).Īnswer the questions about the charge (s). Locate the charge and click on the more options icon (. Log in to your Square Dashboard or the Square app on your iOS device. If you notice a transaction you didn’t make or have a question about a transaction in your history, you will need to report a dispute. When you file a dispute for unauthorized, or fraudulent charges, we may need to deactivate your Square Debit Card to prevent any additional unauthorized charges from processing. Your disputes will automatically be transferred over to the new card and you do not have to wait for the dispute to complete in order to get your new card. Please note: If you have fraudulent charges on your Square Debit Card, we recommend ordering a new card directly from the Square app, or from your online Square Dashboard. ![]() We aren’t able to pursue a dispute if you haven’t attempted to resolve the issue with the merchant directly. These pending authorizations can take up to 14 days to clear.Ĭontact the merchant to try and resolve your concerns. We call these transactions pending authorizations. This temporary hold will be higher than the actual transaction amount, typically $75 or $100. gas stations) will place a temporary hold on your checking account to authorize your purchase. Things to consider before filing a dispute:Įnsure the payment has posted to your account and isn’t pending or voided. ![]() You can update your notification preferences or unlock your card at any time from the Balance section of your online Square Dashboard or from the Square app. You’ll be provided the option to temporarily lock your card via SMS to allow time to review the transaction before taking action. You can also opt in to receiving SMS alerts on your account when high-risk transactions occur, such as international purchases, Card not Present (CNP) transactions, or declined transactions. As a Square Checking account holder with a Square Debit Card, you can count on us to help you through this process and present your dispute to the merchant in a timely manner. Where there are card payments, there are payment disputes. ![]()
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