By Unitedstatess 
If you have an unexpected or incorrect charge on your Tech CU (Technology Credit Union) account, disputing it can be straightforward. Here’s a step-by-step guide to help you resolve the issue efficiently.
1. Review the Charge
- Confirm Details: Double-check the charge on your statement, including the date, amount, and merchant. Sometimes, charges can be unrecognized because of merchant names that differ from the business.
- Check for Errors: Ensure the charge isn’t a duplicate, unauthorized, or fraudulent transaction.
2. Contact the Merchant First (If Applicable)
- Often, the quickest way to resolve a dispute is by reaching out to the merchant directly. Many billing errors, refunds, and accidental charges can be corrected without going through the credit union.
- Document the Interaction: Make a record of your communication with the merchant, including dates, times, and any response you received.
3. Gather Documentation
- Save Relevant Information: Gather receipts, order confirmations, emails, or any other evidence that supports your dispute. This documentation can strengthen your case and make the process faster.
4. Contact Tech CU Customer Service
- You can dispute the charge by reaching out to Tech CU’s customer service.
- Phone: Call Tech CU’s customer service number at (408) 451-9111 or (800) 553-0880.
- Online Banking: Log in to your online banking account or mobile app, where you may have an option to dispute the transaction directly.
- In-Person: Visit a Tech CU branch if you prefer face-to-face assistance.
5. File a Dispute
- Provide Details: When you contact Tech CU, be prepared to provide details about the charge you’re disputing and any documentation you’ve gathered.
- Written Confirmation: Some disputes require written documentation. Tech CU may provide you with a form to complete or allow you to submit details online.
6. Monitor Your Account
- Once the dispute is submitted, monitor your account for any updates or temporary credits Tech CU may provide. Sometimes, credit unions provide a provisional credit during the investigation.
7. Follow Up as Needed
- Timeline for Resolution: Dispute investigations can take anywhere from a few days to several weeks. Tech CU should provide you with a timeline for the investigation and final resolution.
- Stay in Contact: If you don’t hear back within the expected timeframe, follow up to ensure your dispute is still being processed.
Additional Tips
- Review Tech CU’s Policy: Familiarize yourself with Tech CU’s chargeback and dispute policy, which can be found on their website or by asking a customer service representative.
- Understand Your Rights: If the charge in question is fraudulent, you may have additional protections under federal law, such as the Fair Credit Billing Act (FCBA).
By following these steps and maintaining clear records, you can ensure that your dispute is processed smoothly and efficiently. If resolved in your favor, the charge will be reversed, and the funds returned to your account.