Skip to content

How do I dispute a charge on my Upgrade Visa® Debit Card?

Debit Card and ATM disputes are handled directly by Visa. Upgrade partners with Visa to ensure a timely and proper investigation of your claim. Visa will provide you with their outcome directly, as well as handle any appropriate refunds to your Upgrade Rewards Checking Plus /Preferred account.

Before contacting Visa, here are a few helpful tips to save time:

  • Make sure the transaction has been posted to your account. Visa will not be able to process your dispute if the transaction is still pending. 
  • Contact the merchant and request that they reverse the charge.
  • If anyone had access to your card, such as a family member or friend, ask them if they made the charge.
  • Review your receipts to refresh your memory of your recent purchases.

If you see a charge on your Upgrade Visa®  debit card that you did not authorize, please give Visa a call directly at (866) 236-7969. Ensure that you have your debit card handy, as the Visa representative will need your card number to access your account and initiate your dispute.

Articles in this section

See more