What if my transaction was declined but I was debited?

Debit Card Declined But Debited: What To Do

Encountering a declined debit card transaction can be frustrating, especially when it’s accompanied by an unexpected debit from your account. Here’s what to do if you face this situation:

1. Contact Customer Support Immediately

Call your bank or credit union’s customer support line as soon as possible. The number is typically listed on the back of your debit card. When you call, provide the following information:

• Your account number
• The date and amount of the declined transaction
• The date and amount of the unauthorized debit

2. Report the Issue

Inform the customer service representative that your transaction was declined but you were still debited. Explain that this is an unauthorized transaction.

3. Prompt Notification

A timely notification to your bank can help expedite the reversal of the unauthorized debit. The quicker you report the issue, the less likely it is that the funds will be lost.

Additional Tips

• Keep track of any communication with your bank, including the date and time of the call and the name of the representative you spoke to.
• Monitor your account statements regularly to ensure there are no additional unauthorized transactions.
• Consider setting up fraud alerts on your debit card account.
• Report any suspicious activity to your bank immediately.

Preventing Debit Card Fraud

To prevent debit card fraud, take these precautions:

• Use strong passwords and PINs.
• Only use secure websites and apps when making online transactions.
• Be aware of phishing scams that attempt to trick you into providing your debit card information.
• Protect your debit card from being skimmed or stolen.
• Regularly check your account statements for unauthorized activity.

By following these steps, you can minimize the risk of debit card fraud and ensure that any unauthorized transactions are promptly reversed.