Dispute a transaction

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

This can be a worrisome and stressful experience. We’re here to help. If you notice suspicious activity on your account, you should contact us right away. Here are a few key steps you can take to help us resolve these issues quickly.¹

Key steps before you file a claim or dispute a transaction

Confirm the transaction has posted

We can only accept disputes or claims for posted transactions. Pending charges may change or drop off your account before they post, and some may post for an amount different from the amount of the transaction at the time it was pending. When transactions are pending, you may see a “P” or the word “Pending” next to the transaction on your account details page in the mobile app or Online Banking.² 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 posted charge or a problem with a transaction on your account, contact us immediately.

Share helpful details

Transaction disputes are handled differently depending on the circumstances when the transaction occurred. It is important that you provide as much information as possible so that we can determine the appropriate steps during our investigation. Prepare to share helpful details about the transaction(s) in question including receipts, invoices, billing or account information related to the charge(s).

File a claim or dispute a transaction

The process to file a claim or dispute a transaction varies based on the type of transaction.³

To file a claim in the mobile app:²

Find the icon in the top right of any screen to access support through Reggie®, our virtual assistant. Or, select Help from the bottom navigation main menu, then ‘Message us’.
Type "Dispute a transaction".

Mobile app customers are required to enroll in Online Banking to access the mobile app. If you’re not yet an Online Banking customer, you can enroll now² to start sending secure messages.

To file a claim online:

Log in to Regions Online Banking²
Select 'Dispute a Card Transaction' from the Customer Service tab.
Under Customer Service, select ‘Dispute a Card Transaction’ and follow the prompts.

If you’re not yet an Online Banking customer, you can enroll now² to start sending secure messages.

To file a claim over the phone or in person:

Please refer to your card agreement for additional information, including regulatory disclosures regarding unauthorized transactions, errors and dispute resolution.

To file a claim over the phone or in person:

To file by mail:

Mail a dispute to the billing error address shown on the back of your billing statement.

Refer to your Card member Agreement or the back of your statement for information, including regulatory disclosures regarding how to preserve your billing rights and dispute resolution.

To dispute an unauthorized check posted to your deposit account:

Lock your card

While we work together to resolve the issue, consider using Regions LockIt® to lock your card for online, in store, or ATM transactions.⁴

Review card controls

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

Set alerts and notifications

Alerts & notifications details

Refer to the terms and conditions of your account and card for important information on disputing transactions and on rights you may have.
Enrollment in Regions Online Banking requires eligible Regions accounts. To enroll in Online Banking, you must have either a Social Security or taxpayer identification number or use alternative enrollment procedures available by visiting a branch. Regions Mobile app, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. There is no fee to access Online Banking or the mobile app, but fees may apply to certain products and services offered through Online Banking and the mobile app. Mobile Deposit may be subject to fees. Your mobile carrier’s messaging and data fees may apply. You must be at least 18 years of age to use Regions Bill Pay or Zelle®. U.S. checking or savings account required to use Zelle®.
There may be a limit to the number, amount, and/or types of transactions that may be disputed using Regions Online Banking. ATM card and Credit Card transaction claims cannot be filed through Regions Online Banking.
LockIt® controls will not block all transactions on your card. They will not block transactions processed when standard authorization systems are not used. They will not block merchant-identified recurring transactions, credits to your account, ATM deposits, ATM Now Card loads, ATM payments (including transfers from your deposit accounts to your credit accounts), ATM check cashing or ATM inquiries. If your credit card provides overdraft protection to your checking account, they will not block overdraft protection advances.
We can provide these alerts only if you have provided your compatible mobile phone number and/or email address to us; we can provide alerts by text only if you have not opted out of communication via these methods. We provide alerts as a courtesy and have no liability for any failure or delay to provide an alert to you. We may modify or discontinue these alerts at any time and without notice to you. Your mobile carrier’s messaging and data fees may apply.