Skip to Main Content Skip to Sitemap Online Banking

Card Disputes and Fraud

Resolving concerns about a merchant charge

If you have concerns about a credit card or a debit card transaction, you may dispute it by filing a claim. Using the examples below, choose the form that best describes the situation. Please complete all required fields and attach all supporting documentation. Missing information and documentation or submission of the incorrect form may delay the processing of your claim. SMCU may contact you to request additional information.

Dispute/Charge Error

A dispute/charge error is a transaction you may recognize but appears incorrect. Some examples of charge errors include:

  • A recurring transaction or trial subscription that you had cancelled.
  • The product or service was never received or received late.
  • You are dissatisfied with the product or service.
  • You returned or canceled the purchase, but still have not received credit.
  • The amount charged is higher than the amount on the receipt.
  • The same card was charged even though a different card or payment method was used.

Dispute a Charge


Fraudulent activity is a transaction confirmed to be unauthorized. By filing a fraud claim, you have confirmed:

  • The activity was not conducted by you or anyone you authorized to use your card or account.
  • This charge wasn't made by another authorized user on your card or account.
  • You did not authorize anyone else to use your card or account.
  • You reviewed the transaction details and still do not recognize the transaction.  Remember that merchants may use a different name or address for billing purposes.


File a Fraud Claim

Card Lost/Stolen
If your card is lost or stolen, or you think someone used your account without permission, call us immediately at (650) 363-1725.
Learn More

We use cookies to improve your experience on our site, enable important site functionality including analytics, site traffic, personalization and marketing. By continuing to user our site, you accept our use of cookies in accordance with our Privacy Policy. Learn more