![]() ![]() But disputing by telephone does not preserve your rights under the FCBA. Some banks will accept disputes by telephone. You have to initiate a dispute in writing. This rule doesn’t apply if the merchant is affiliated with the bank that issued the card, or if you relied on an advertisement supplied by the issuing bank. ![]() It has to be made in your home state or within 100 miles of your home address. The law has some peculiarities that are worth noting: What are the requirements of a credit card dispute? Yet few debit card holders know about these consumer protections. The law doesn’t include the right to dispute a transaction because of a problem with goods or services. The protections under EFTA aren’t as broad as those afforded credit card holders.
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