Credit Cards

If you see a transaction on your Coast Central Visa Credit Card you believe is unauthorized, first contact the company who made the charge at the number listed within the transaction (in your statement’s account history or online banking). Sometimes unexpected charges turn out to be legitimate, as the company name may vary. If you are confident the charge was unauthorized, you may pursue a Visa dispute. If you have general questions about the dispute process, our Card Services Department can be reached at (707) 445-8801, ext. 1291.

To begin the dispute process, please call us at (866) 896-4689 and press option 4 to file a dispute.

When calling this number please have prepared:

• The last 4 digits of your Social Security Number.
• The full number of the compromised card.
• Your billing zip code.
• A list of all fraudulent transactions including the exact date of each transaction and the amount charged.

Once the dispute has been filed, it will be reviewed and investigated. You may receive a letter in the mail asking for additional information. Please make sure your address is up to date on your account. Due to Visa time limit restrictions, you must provide requested information by the date listed on the letter. If the charge is found to be fraudulent or unauthorized, you will receive a credit for the charge. Please refer to our EFT Disclosure for specific details on error resolution.

Please note that if in fact you participated in the transaction(s), you will need to attempt to resolve the situation with the merchant (refer to their terms and conditions). For example, charges resulting from “free trial” periods generally do not qualify as unauthorized. If you complied with the merchant’s terms and conditions and are unable to resolve the situation, you may pursue a Visa dispute through Coast Central.

For merchandise charges
If you received merchandise and returned it for a refund, a dispute cannot be filed until 15 days after the return date to give the merchant time to issue a credit. If 15 days have passed and no credit has been received, you may pursue a Visa dispute. You must provide a copy of your shipping receipt showing the tracking number and that the package was insured.

Contact Visa immediately 24/7 to make a report at (866) 896-4689. With our Card Control app, you can suspend your card anytime you suspect fraud.

Visa Secure Remote Commerce is an online checkout option that provides the following benefits:

Easy
You no longer have to enter 16-digit primary account numbers, look up passwords, or fill out long forms to make a purchase.Smart
Wherever you see this icon and Visa is accepted, you’ll enjoy the same time-saving digital checkout.Secure
When you click to pay with Visa, you can be assured that our global payment network is always looking out for you – fighting fraud, reducing risk, and helping to make transactions fast and worry-free. We use multiple layers of payment security, and our anti-fraud detection system monitors every payment in real time, analyzing more than 500 unique risk attributes. Visa also works closely with merchants and your issuing bank to protect your card against unauthorized use. With Visa, you can buy with confidence.

To learn more and sign up, visit Visa’s Secure Remote Commerce page.