How do I dispute the transaction? – Log-in to ‘Statements’ site…

1. Right-click on ‘OC’ icon in tray and Log-in to ‘Statements’ secure web-site by choosing ‘Statements’ option in pop-up menu or activate the link ‘Cardholder Services’ in ‘Favorites/ON-LINE CARD’ folder or on the ‘Home page’ of our web-site.

2. Find the transaction in question in complete list of your transactions behind the ‘Statements’ link and click ‘Details’.

3. Make sure this is the transaction in question by revising all it’s details – date/time, Merchant Name, Merchandise specification etc. Click ‘Dispute Transaction’ button and write the message stating why you are disputing the transaction. Remember, sending the message you are entering into a legal dispute with the payee and may be liable for provision of false information and/or making false statements, this message is a legal document submitted by you for the attention of Issuer and Merchant!

Upon revision of your complaint the Merchant or the Issuer may perform a ‘charge back’ or respond to your message. Please visit the page ‘Messages > Incoming’ from time to time until you receive a response to your complaint. You may exchange further messages regarding the issue after your initial complaint has been answered until the dispute will be resolved amicably.