Report Fraud & Disputes

Filed when the Member states they do not recognize or have never attempted a transaction with the merchant or if the member pays for someone else’s bill and that card was used again without permission; it is considered Fraud and can be filed. The member’s card MUST be reported and closed.

A dispute occurs when a merchant posts a transaction to a member’s account erroneously. To include: an overcharge, double posting, charged after a service/subscription has been cancelled or if merchandise was never received.  The member MUST file a dispute with the merchant first and then if a claim with 1st Advantage is necessary, the member must be able to produce proof of the merchant dispute.

Members cannot dispute monies owed to a merchant regardless of whether payment arrangements were made or the member did not specifically authorize the transaction.  Mastercard will not investigate a billing dispute.

Where funds are transferred to and received by the recipient in exchange for goods, cannot be disputed with Mastercard if items are not received and will have to be disputed with the merchant. Examples of P2P transactions are Apple Cash/Pay, Venmo, Cash App, Google Pay, etc.