Dispute a Transaction

You’ve noticed a suspicious or unauthorized transaction on your account. Now what?

This can be a worrisome and stressful experience. We’re here to help. If you notice suspicious activity on your account, it’s a good idea to contact us right away. Here are a few key steps you can take to help us resolve these issues quickly.

transaction dispute

Key Steps Before You File a Claim

Confirm the transaction has posted (not pending).

We can only accept disputes for posted transactions. That’s because pending charges may change or drop off your account before they post. When transactions are pending, you may see a “P” or the word “Pending” next to the transaction on your account details page in Online or Mobile Banking[1]. As soon as it posts to your account, you may dispute the transaction.

Consider contacting the merchant.

If you are dissatisfied with an item you purchased or the service you received from a merchant, consider contacting the merchant directly before disputing the transaction with Regions. If you believe there is an unauthorized charge or a problem with a transaction on your account, contact us immediately.

Share helpful details.

Disputes are handled differently depending on the circumstances when the transaction occurred. When disputing a transaction, it’s important that you provide as much information as possible so that we can determine the appropriate steps to take during our investigation.

To File a Claim Online[2]:

  1. Log in to Regions Online Banking
  2. Click ‘Message Us’ on the bottom right of the screen, and type ‘dispute a transaction’
  3. We’ll guide you step by step as you dispute a transaction.
  4. Make sure the authorized cardholder is available to provide the transaction details.

If you are not enrolled in Online Banking, you may Enroll Now.

Log In

transaction dispute

Other Ways to File a Claim


While we offer the option to dispute a debit card or Now Card transaction online for your convenience, you can always visit a branch near you or call us at 800-295-VISA to file your claim.

Use Regions LockIt

While we work together to resolve the issue, consider using Regions LockIt℠ to lock your card for online, in store, or ATM transactions.[3]

Review Card Controls

What to Expect

We can walk you through the process of disputing a transaction, with support from Regions each step of the way.

Next Steps

Stay Informed

Helping you safeguard your financial assets and accounts is important to us. Here are key details on our security features and tips on how you can help prevent fraud in the future.

Regions Security Features