Q: What information do I need to provide?

To begin the dispute process, you’ll need: Online Banking Login:Connect your bank account safely and securely using Plaid. Plaid does not store your credentials, and your information remains secure. Learn more about Plaid’s security measures here. Personal Information: NameAddressEmail address

Question 1

What types of transactions can I dispute?

Accepted Answer

We support disputes for a wide range of transaction types, including:

ACH
ATM deposits and withdrawals
Balance transfers
Barcode payments
Bill payments
Card transactions (both PIN and PIN-less)
Checks
Convenience checks
Peer-to-pwer (P2P)
Real-time payments (RTP)
Wire transfers
Zelle transactions

Question 2

What dispute scenarios do you handle?

Accepted Answer

We handle all dispute scenarios from unauthorized activity to duplicate charges, and everything in between.

Question 3

Can I report fraudulent charges?

Accepted Answer

Yes, fraudulent charges can be reported through our platform.

Question 4

What information do I need to provide?

Accepted Answer

To begin the dispute process, you’ll need:

Online Banking Login:
Connect your bank account safely and securely using Plaid. Plaid does not store your credentials, and your information remains secure. Learn more about Plaid’s security measures here.

Personal Information:

Name
Address
Email address

Question 5

Is my information secure?

Accepted Answer

Yes, your information is secure. We only retrieve the necessary data using Plaid’s security-first technology. Plaid does not store your information and is highly certified in global security standards. Learn more about Plaid’s data safety measures here.

Question 6

Will you contact my bank?

Accepted Answer

Yes, we’ll submit the claim on your behalf directly to your financial institution.

Question 7

How long does the investigation take?

Accepted Answer

The time frame depends on the transaction type: Checking accounts: 45 or 90 daysCredit cards: Two statement cycles (not exceeding 90 days)

Question 8

Will this affect my credit score?

Accepted Answer

No, disputes do not impact your credit score.

Question 9

Will I receive updates throughout the process?

Accepted Answer

FraudandDisputes does not send updates, but your financial institution may provide updates regarding your claim&#8217;s status.

Question 10

Can I cancel my dispute?

Accepted Answer

During the intake process: You can cancel anytime before submitting your claim.After submission: Contact your financial institution to cancel.

Question 11

How effective is FraudandDisputes at resolving cases in the customer’s favor?

Accepted Answer

FraudandDisputes submits your claim to your financial institution for review. We do not evaluate or influence the claim outcome.

Question 12

Is there a guarantee or recourse if my dispute is not resolved in my favor?

Accepted Answer

Because we do not influence the outcome of your claim, we cannot provide a guarantee. If you disagree with the outcome, you’ll need to follow up with your financial institution.

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