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Your Amplify Mastercard debit card lets you access your money anywhere

File a Claim


How to handle unauthorized debit transactions

Your Amplify Mastercard debit card lets you access your money anywhere

File a Claim


How to handle unauthorized debit transactions

Information about Debit Card Fraud & Disputes

When charges and purchases appear on your statement that you do not recognize, they may be fraudulent, or they may not be. This reference guide will help you decide whether to file a dispute or a fraudulent claim. Amplify’s policies and procedures for processing fraudulent and disputed transactions are governed by the Electronic Funds Transfer Act, or Federal Regulation E, and they are outlined in Electronic Services Agreement and Disclosure.
Differences Between Disputes and Fraud

The primary difference between a fraudulent transaction and a disputable transaction lies in whether or not the cardholder knowingly and willingly initiated the transaction with the merchant in the first place.

Disputes can arise between a merchant and a cardholder for a variety of reasons, including but not limited to overcharging the cardholder, charging the cardholder for merchandise that wasn’t received, or charging the cardholder for a monthly subscription that was previously cancelled.

If the transaction was never authorized or initiated by the cardholder, a fraud claim may be filed.
Determining Which Type of Claim You Have

Answering the following questions will help you to determine whether your claim is a dispute or fraud.

  1. Do you personally know who made the transaction on your debit card?

  2. Is the transaction a result of signing up online for a “free trial”, however you used your debit card to pay for shipping or a similar charge?

  3. Did you give or loan your debit card to anyone? (You cannot make a claim of any kind if you voluntarily gave your card to another person.)

Debit Card Disputes

When you have a disagreement with a merchant about a charge they made to your debit card, this is considered a cardholder dispute. For example:
  • You cancelled a transaction, but the merchant still charged you. For instance: you used your credit card to reserve a hotel room, and cancelled with the hotel in accordance with their cancellation guidelines, and you were still charged for the room.
  • You purchased an item using your debit card, and later returned the item to the merchant, but your card was never credited for the return.
  • You were charged the incorrect amount for a transaction, for example $400 rather than $40.
  • You have an issue with the quality of goods or services provided.

Fraudulent Debit Card Transactions

A transaction is considered fraudulent only when you have no knowledge of who used your card and you can state with certainty that you were not aware of the transaction. You will be required to sign an affidavit stating that you have no knowledge of who completed the transaction(s) in question. If you intentionally file a false or unsubstantiated fraud claim, you may be charged a fee.

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