Note: Not all electronic debits may be disputed:
- Bill Payment transactions must be disputed through Bill Payment support only.
- Return check fees can not be disputed via BayPort Credit Union
If the ACH debit is not one of the above mentioned there are 5 reasons for dispute and you must sign an affidavit swearing to one of the following:
- Fraud-no account signer gave the merchant your member number and you do not know the company and/or amount. Note: giving your member number out constitutes authorization and is not fraud.
- Cancelled-transaction was authorized at one time but you had followed the merchant’s cancellation procedure. Details of how and when it was closed will be required.
- Merchant debited earlier than agreed start state. Details of when it was to start will be required.
- Wrong amount was debited.
- Double billed. Note: You may call or email to initiate the process but the investigation will not begin until all paperwork is signed and in our possession.