Disputes FAQs

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Q. How do I submit a dispute?
A. The process depends on the type of transaction you are disputing. For debit card fraud involving an unauthorized transaction that has posted to your account, call (833) 995-2888. For other types of disputes, contact your Personal Banker or BankSouth Customer Care at (706) 453-2265.

Q. What should I do before I submit a credit card dispute?
A. A quick call to the merchant can often answer your questions and easily resolve your dispute. The merchant’s phone number may be located on your receipt or billing statement. If the merchant is able to resolve the matter, your account will be credited usually within 30 days, though this can vary by merchant and when they process refunds. However, if this is not resolved, you may want to submit a dispute. Do this by calling (706) 453-2265.

Q. I have a charge on my debit card account that I did not authorize, what do I do?
A. If the unauthorized transaction has posted to your account, call (833) 995-2888 to report the fraud and file a debit card fraud dispute. Please have your debit card with you when you call.

Debit Card Fraud Dispute representatives are available:

Monday–Friday: 8:00 AM –9:00 PM (ET)
Saturday: 9:00 AM –3:00 PM (ET)

If the transaction is still pending or memo posted, it cannot yet be disputed through this process. Please call Customer Care at (706) 453-2265 to alert if a suspicious charge is pending.

Q. I think BankSouth reported information on my credit report inaccurately. How can I dispute this reporting?
A. To dispute an item reported to the credit bureaus by BankSouth, perform the following:
Call BankSouth’s Customer Care Center at (706) 453-2265.
Write a letter of dispute explaining why you believe that a credit reporting error exists, and include your contact information (including name, address, and telephone number), account number, type of account, explanation of error, and a copy of your credit report with the information you are disputing,
If you are disputing an item reported to Chexsystem, please visit a BankSouth branch near you.

Q. How do I dispute an ACH transaction?
A. Contact your Personal Banker or contact one of our Customer Care Associates at (706) 453-2265.

Q. How can I dispute a transaction posting to my checking or savings account?
A. Contact your Personal Banker or contact one of our Customer Care Associates at (706) 453-2265.

Q. How can I get a status update on a dispute previously submitted?
A. Call Customer Care at (706) 453-2265 and we’ll be glad to give you an update.