1. I see charges on my card account that I did not authorize. What do I do?

A: Unauthorized charges appearing on your credit card or checking account statement can be alarming. If you see unauthorized charges on your account, first take a deep breath and remember that you will not be held responsible for paying charges that you did not authorize.


Next, recall if the charge is from a merchant or vendor that you previously provided your card number to. If this is the case, and the charge is different from what you agreed to or occurring beyond the timeframe agreed upon, you will need to work with the merchant or vendor to resolve the transaction. If resolution attempts with the merchant or vendor are unsuccessful, you may then file a dispute to recover the charges that were charged to your account. Access the Dispute Form(PDF) here and follow the enclosed instructions to begin the Dispute process. If the charges were from a merchant or vendor that you have never provided your card number to, please call us at 800-247-5626.

2. What are pre-authorizations? They don’t match what I actually paid. Should I dispute them?

3. My card account is frozen. What happened?