Star One Credit Union
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How to Dispute a Charge - Fraud

Need to Dispute Fraudulent Transaction(s)?

You may have been contacted by our Risk Management Department or perhaps you discovered the authorization amount pending on your account.  Please allow the transaction(s) to post to your account, as in some cases the transaction may not post at all.  Once the transactions post to your account you may immediately complete our Cardholder Dispute Form & Affidavit.

If your purse or wallet was lost or stolen, or if you are concerned about identity theft, visit our Identity Theft pages for more information.  Call us right away, or visit a branch, to protect your accounts.

  1. Your card must be permanently blocked and reissued before completing the Cardholder Dispute Form & Affidavit - Fraud.   Please contact our Card Service Department at (408) 543-5202 or toll free (866) 543-5202 for assistance during regular business hours Monday - Friday 7am to 7pm and weekends and most holidays 9am to 5pm.

    Your Cardholder Dispute & Affidavit - Fraud form much be submitted no later than 60 days after we sent you the first statement on which the disputed transaction appeared.

  2. We will begin the investigation as soon as we receive your dispute form.  Be sure to provide your phone number so that we may contact you if we have any questions. 
  3. Typically your account will receive a provisional credit within 10 days of receipt of your dispute form, dependent upon card and transaction type. 
  4. Please Allow us time to process your disputed transaction.  
  5. If the dispute is resolved in your favor, any provisional credit will become permanent. If the disputed transaction is not resolved in your favor, your provisional credit will be reversed from your account and you will receive written notification from Star One Credit Union.

    Mail form to: Star One Credit Union
    Attn: Card Services
    PO Box 3643
    Sunnyvale, CA 94088-3643

    Or fax to (408) 543-5203, Attn: Card Services
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