If an unauthorized charge or billing error hits your card, the Money Network dispute form is a one-page PDF you download, fill in, sign, and send to Money Network’s disputes department by fax or mail. The form is at docs.moneynetwork.com/moneynetwork/pdf/Disputeform.pdf, no login required, and you can also start the process by calling Customer Service at 1-866-387-5146.1Money Network. Disputes and Error Resolutions Move quickly. Federal law ties how much you can recover to how soon you report the problem, and the window is shorter than most cardholders expect.
What the Form Asks For
The form fits on a single page. Required fields are marked with an asterisk, and an unsigned form will be rejected.2Money Network. Money Network Dispute Form You’ll fill in:
- The date you’re completing the form.
- The last four digits of your card number, not the full 16.
- Your name, address, city, state, and zip, matching what Money Network has on file.
- A claim number, if you already called customer service and received one.
- Lost or stolen details: whether you still have the card, when it went missing, and when you noticed.
- Authorized users: whether anyone else has had permission to use the card, and who.
- Transaction details for each disputed charge: post date, transaction date, amount, and merchant name. One row per transaction.
- The dispute category, checked from the list below, with the follow-up fields that go with it.
- Your signature, phone number, and the date.
Two things trip people up. Post date and transaction date are usually different: the transaction date is when the purchase happened, and the post date is when it hit your statement. Copy both exactly as they appear in your transaction history. And if you’re disputing multiple charges, each one gets its own row and its own checked category.
Attachments aren’t required by the form, but investigators lean on them. Receipts, confirmation emails, screenshots of your transaction history, tracking numbers for returned merchandise, and any correspondence with the merchant all strengthen your claim. For unauthorized charges, include the date you reported the card lost or stolen.
Picking the Right Dispute Category
The form lists eleven checkboxes. Pick the one that fits what actually happened:2Money Network. Money Network Dispute Form
- Unauthorized transaction — someone used your card or card number without your permission.
- Duplicate processing — a merchant charged you twice for the same purchase.
- Merchandise not received — you paid for something that never arrived or went to the wrong address.
- Merchandise returned — you sent an item back but never got the refund.
- Cancelled transaction — you cancelled an order or subscription and were charged anyway.
- Paid by other means — the merchant charged your card even though you paid another way.
- Services not rendered — you paid for a service that was never performed.
- Credit not received — a promised refund or credit never posted.
- Quality problem — the product or service was significantly different from what was agreed.
- ATM non-dispense — an ATM debited your balance but didn’t dispense the cash.
- Other — anything that doesn’t fit the categories above, described in writing.
For merchandise not received, services not rendered, and quality problems, the form asks whether you contacted the merchant first. That isn’t a formality. Money Network and the card networks expect you to give the merchant a chance to fix the problem before a dispute is filed, and skipping that step makes a denial much more likely.
How Fast You Report Changes What You Can Get Back
Regulation E sets your liability for unauthorized electronic transfers in tiers, and the clock is unforgiving:3eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- Report within two business days of learning the card was lost or stolen: your liability is capped at $50, or the total unauthorized charges before you notified Money Network, whichever is less.
- Report after two business days but within 60 days of the statement showing the unauthorized transfer: your liability rises to $500, or the sum of charges during the gap period, whichever is less.
- Report after 60 days from that statement date: there is no cap on unauthorized transfers that happen after the 60-day window closes and before you finally report.
The 60-day clock starts when Money Network sends or makes available the statement showing the first unauthorized charge, not when you personally notice it. Checking your balance regularly is the single most effective way to protect yourself, because the law doesn’t care whether you actually read the statement.
How to Submit the Form
Two options are printed on the form:2Money Network. Money Network Dispute Form
- Fax: 1-402-916-8249.
- Mail: Disputes, P.O. Box 2059, Omaha, NE 68103-2059.
Fax is faster and produces a transmission confirmation page. Save it. If you mail the form instead, use a service with tracking and delivery confirmation so you have proof of the date Money Network received it. That date starts the investigation clock.
What Happens After You Submit
Once Money Network receives your dispute, Regulation E sets strict investigation deadlines.4eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors Money Network has 10 business days to investigate and reach a determination. If they find an error, they must correct it within one business day and report the results to you within three business days of completing the investigation.
If the investigation runs longer than 10 business days, Money Network can extend to 45 days, but only if they provisionally credit your account for the disputed amount within those first 10 business days. They must notify you of that credit within two business days, telling you the amount and date, so you can use the funds while the investigation continues. International transactions, point-of-sale debit transactions, and transactions on accounts less than 30 days old can push the extension to 90 days.
If Your Dispute Is Denied
If Money Network concludes no error occurred, or that the error was different from what you described, they must send a written explanation of their findings and tell you that you have the right to request copies of the documents they relied on. Ask for those documents promptly and compare them against your own records.5eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors
If you received a provisional credit, Money Network will reverse it, but they must notify you of the date and amount first. For five business days after that notice, they must honor checks, preauthorized payments, and similar transactions from your account without charging overdraft fees.
If you believe Money Network didn’t follow proper procedures, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov, and you can contact your state attorney general’s office for additional options.
Two Limits Worth Knowing
If someone tricked you into authorizing the payment yourself — a common scam pattern where a caller impersonates a company or a government agency — reversing the charge is much harder. You technically authorized the transfer, so it sits outside the standard protections for unauthorized charges. Report it anyway, but understand this is where most disputes stall.
And file only legitimate disputes. Knowingly challenging a charge you know is valid, sometimes called friendly fraud, can qualify as bank fraud under federal law, which carries penalties of up to 30 years in prison and a $1,000,000 fine.6Office of the Law Revision Counsel. 18 USC 1344 – Bank Fraud The statute doesn’t require the bank to have actually lost money for prosecutors to bring charges.