Q: How do I dispute a charge that appears on my credit or debit card?

If you see a charge you do not recognize or believe is incorrect, take action as soon as possible. In many cases, contacting the merchant first resolves the issue faster. If the charge is not resolved, Mountain America offers several ways to submit a dispute.

Before you file a dispute

• Contact the merchant listed on the transaction.
• Ask for a correction or refund.
• Keep any emails or receipts related to the issue. If the merchant cannot resolve the issue or the charge appears to be unauthorized, file a dispute with Mountain America.

How to file a dispute

Option 1: File a dispute online or in the mobile app.
This is the fastest option. Log in to online banking or the Mountain America mobile app. Select Accounts. Choose the account with the transaction. Select Transaction Disputes. Follow the on-screen instructions.

Option 2: Contact a local branch.
Visit any Mountain America branch and a representative will assist you.

Option 3: Call us.
Call our service center at 1-800-748-4302.

Option 4: Submit a dispute by mail.
Send a written request that includes:
• Your full name
• Phone number
• Last four digits of your card or account number
• Brief explanation of the transaction you are disputing

Mail it to: Mountain America Credit Union
P.O. Box 2331
Sandy, UT 84091

What happens next

After your dispute is submitted:
• We review the information and may contact you for additional details.
• Temporary credit may be issued based on the dispute type and applicable regulations.
• Investigation timelines vary depending on payment type and network rules.
• You will receive updates through online banking or by mail.

Important timing information

Disputes must be submitted within the required timeframes. Reporting unauthorized transactions promptly helps reduce potential loss and ensures protections under applicable regulations. If you are unsure whether a charge qualifies for a dispute, contact us for guidance.