How to Dispute Unauthorized Credit Card Charges with UnionBank
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How to Dispute Unauthorized Credit Card Charges with UnionBank
If you see an amount on your UnionBank Credit Card bill that you don’t recognize, don’t panic. You can dispute unauthorized charges through UnionBank’s customer service or via online banking. Just report it within 30 days, fill out a dispute form, and provide proof that you didn’t make the transaction. UnionBank will temporarily reverse the charge while investigating.
Introduction: Why Unauthorized Charges Can Happen to Anyone
Have you ever checked your credit card bill and found a charge you don’t remember making? For new cardholders, this can be stressful — but don’t worry, it’s more common than you think.
Unauthorized credit card charges happen when someone uses your card number without your permission — either online, through a cloned card, or due to a merchant error. Knowing how to dispute these charges with UnionBank can save you from paying for something you didn’t buy.
This guide will show you the step-by-step process, requirements, and tips to successfully dispute any unauthorized transactions on your UnionBank credit card.
What Counts as an Unauthorized Credit Card Charge?
Before you file a dispute, it’s important to know what qualifies as an “unauthorized” charge.
âś… Examples of unauthorized charges:
You were charged for an item you didn’t purchase.
Someone used your card details online or abroad.
You were billed twice for the same transaction.
A subscription auto-renewed even after cancellation.
A merchant charged you the wrong amount.
đźš« Not considered unauthorized:
A purchase you forgot about (like a Netflix or Spotify renewal).
Family or friends who used your card with your permission.
Delayed posting of valid transactions.
Tip: Always check your UnionBank mobile app or credit card statement monthly to spot unfamiliar entries early.
Step-by-Step Guide: How to Dispute Unauthorized Charges with UnionBank
Step 1: Verify the Transaction
First, double-check your purchases — sometimes charges appear under different merchant names or reflect after a few days. Search online for the merchant name in your statement. If it still looks suspicious, move to the next step.
Step 2: Contact UnionBank Immediately
Report the suspicious charge as soon as you notice it. You can reach UnionBank through:
UnionBank will temporarily block your card if needed and issue a replacement card for security.
Step 3: Fill Out the UnionBank Dispute Form
UnionBank requires a Transaction Dispute Form, which you can get from their email support or at any branch.
You’ll need to fill out:
The disputed transaction details
Your explanation (e.g., “I did not authorize this purchase.”)
Signature and date
📎 Tip: Attach screenshots, receipts, or any document that can prove you didn’t make the charge.
Step 4: Wait for the Investigation
Once you submit your form, UnionBank will open an investigation case. Typically, they will:
Acknowledge your dispute within a few days
Coordinate with the merchant’s bank
Provide updates via email or SMS
The process usually takes 30 to 45 days, depending on the case.
Step 5: Temporary Reversal and Final Resolution
During the investigation, UnionBank may temporarily reverse the charge in your account. If the dispute is valid, the reversal becomes permanent, and you won’t have to pay for the transaction.
However, if the merchant provides proof that the transaction was legitimate, the charge may be reinstated.
What Happens If You Don’t Report It on Time?
UnionBank allows up to 30 days from your statement date to report unauthorized transactions. If you report after this period, your dispute may no longer be accepted — so always check your bill promptly after each cycle.
đź’ˇ Pro Tip: Set a reminder to review your UnionBank statement every month through the app or email.
Common Causes of Unauthorized Charges
Unauthorized charges can occur in many ways. Here are the most common reasons:
1. Online Fraud or Phishing
Scammers send fake websites or emails pretending to be UnionBank or your favorite online shop. Once you type your card details, they use it for transactions.
What to do: Never click on suspicious links. Always go directly to UnionBank’s official site or mobile app.
2. Data Breach from Merchants
Sometimes, the store where you used your card may have been hacked, exposing card details.
3. Card Cloning (Skimming)
This happens when criminals use a skimming device to copy card information, especially at ATMs or gas stations.
Preventive tip: Always cover your PIN when using machines and avoid using your card on unfamiliar websites.
How to Avoid Unauthorized Charges in the Future
1. Enable Transaction Alerts
Turn on SMS or email alerts in your UnionBank app. You’ll instantly know every time your card is used.
2. Use Virtual Cards for Online Purchases
UnionBank offers virtual cards for safer online shopping. You can limit the credit limit or disable it after use.
3. Never Share Your Card Details
UnionBank will never ask for your PIN, CVV, or OTP via text, call, or email.
4. Check Your Statement Monthly
Treat it like a financial health check. The earlier you spot an error, the faster you can fix it.
Using the Credit Card Cost Calculator
When you’re resolving disputes or checking balances, it helps to know how your credit card charges work — especially interest and monthly payments.
Understand how interest is added after disputes are resolved
This tool is perfect for new credit card users who want to track spending smartly and avoid extra charges.
What If You Already Paid the Unauthorized Charge?
If you already paid your bill before noticing the wrong charge, don’t worry — you can still file a dispute. If your claim is approved, UnionBank will refund the amount to your account or adjust it in your next statement.
When to Escalate or Seek Help
If your issue isn’t resolved after 45 days, you can:
Follow up via UnionBank’s hotline or email
Visit the nearest UnionBank branch for in-person assistance
Contact the Bangko Sentral ng Pilipinas (BSP) Consumer Protection Department for further mediation
Summary
Disputing an unauthorized charge with UnionBank is simple and doable, especially if you act quickly.
Here’s a recap:
Review your statement for suspicious charges.
Contact UnionBank within 30 days.
Fill out and submit the dispute form with proof.
Wait for investigation results.
Monitor your statements and enable alerts.
By being proactive, you can protect your finances and enjoy the benefits of using a credit card safely.
FAQs: UnionBank Credit Card Dispute Process
1. How long does it take to resolve a UnionBank credit card dispute?
Usually between 30 to 45 days, depending on how fast the merchant responds.
2. Can I still use my card during a dispute?
UnionBank may issue you a replacement card if fraud is suspected, but your old card will be blocked for safety.
3. Will I be charged while the dispute is pending?
No. The disputed amount is temporarily reversed, so you won’t need to pay it unless proven valid.
4. What if the transaction turns out to be legitimate?
UnionBank will reinstate the charge, and it will appear in your next billing statement.
5. How can I prevent this from happening again?
Enable alerts, use virtual cards, avoid sharing card info, and check your statements monthly.
In short: If you ever see an unfamiliar charge, act fast and report it. UnionBank has a smooth process to protect your money — and with a little vigilance, you can keep your credit card secure while enjoying its full benefits.
