Transaction Dispute Forms

    Protect your funds from unauthorized, inaccurate or fraudulent transactions 

    Disagree with a charge on your account? Use this page to determine the correct dispute form to submit. After receiving your form, our dispute processing team may reach out to you via email or mail. Please reply to any questions they may have to resolve your dispute quickly. 

    Visa® Debit, Credit, ATM or HSA Card Transaction Disputes  

    Fraudulent Visa Transaction Form 

    Submit this form to dispute transactions on your Ardent Visa debit, credit, ATM or HSA card that you did not make. For security reasons, we will need to shut down your card and issue a new one to you. 

    Use this form to dispute fraudulent charges with the following descriptions:  

    • Card Purchase 

    • POS Withdrawal 

    • Bill Payment Withdrawal 

    • ATM Withdrawal 

    (Descriptions can be viewed on your statement and within your account history in eBanking.)

    Click here
    Non-Fraudulent Visa Transaction Dispute Form 

    Use this form to dispute Ardent Visa transactions you made, but are subject to service issues with the merchant, such as: 

    • Non-Receipt of Merchandise/Services 

    • Duplicate Charges 

    • Canceled Services 

    • Overcharges 

    We recommend alerting the merchant first, as they may be able to resolve the issue sooner. If the merchant is unable to resolve your issue or is unresponsive, provide us with as much detail as possible on your dispute form to help ensure a quick resolution. 

    Click here


    Note: Filing excessive card disputes could lead to your card privileges being revoked. 


    Unauthorized ACH Transactions

     ACH Unauthorized Debit Form  


    This form is for transactions using your account number and routing number that you are disputing for one of these reasons: 

    • Transaction was unauthorized.  

    • The authorization for the transaction was revoked. 

    • The transaction was not in accordance with the terms of the authorization (e.g. amount, date, frequency).  

    These transactions are directly debited from your account and have the following description: Withdrawal ACH. (Descriptions can be viewed on your statement and within your account history in eBanking.)

    You must submit a separate ACH Unauthorized form for each unauthorized transaction. 

    In cases where you are revoking authorization, we highly recommend that you complete an ACH Stop Payment Form to prevent any further ACH transactions related to a specific payee from posting to your account. 

    Click here

    FAQ

    Details on how you can reach us by phone, chat or email can be found here.

    Additionally, you can send us a secure message within eBanking.

    We work to resolve your dispute as quickly as possible. After investigating the dispute, a provisional credit may be issued within 10 business days.

    An ACH dispute resolved in your favor will result in a credit directly to your account, which will be visible in eBanking or on your statement. For a Visa dispute resolved in your favor, you will see a provisional credit on your account. You will receive letters to inform you when a claim is started and when it is closed. This process can take up to 90 days. Should your dispute be denied, the provisional credit will reversed and you will receive a letter stating the reason.