Card Fraud Reporting

HomeTown Bank has partnered with SHAZAM®, our debit card provider, to handle all debit card disputes. Having SHAZAM® handle the disputes allows us to utilize the expertise of their team in this every-changing process.

Cardholders can call any time, any day and reach a SHAZAM® Dispute Services representative. The SHAZAM® Dispute line is now available 24/7 to report fraud on your card.

Dispute Process

• The primary cardholder is responsible for filing a dispute and providing detailed information about the transaction.
• Once your call is received by the SHAZAM® Dispute Department, they will open a claim and will begin an investigation.
• During regular business hours, HomeTown Bank will apply a temporary credit to the account upon receiving notification from SHAZAM® a claim was made. The customer service representative for SHAZAM® will provide you with an estimated time frame for their completion of the investigation.
• As the dispute process continues, you will be asked to provide supporting documents and signatures.
• SHAZAM® will contact you following the investigation with their final decision.

Do you have a transaction you do not recognize position to your account?

• Did another authorized person on your account (like a spouse or child) make this transaction?
• Is this a purchase you made recently for future use, like travel plans?
• Is this an annual or monthly payment, like a magazine subscription, you may have forgotten about?
• Did you make a charitable contribution?

If you answered NO to these questions, then call SHAZAM® and file a dispute.

When you report a dispute, the following information may be helpful to have on hand, if applicable:

• The date you contacted the merchant along with the merchant's response and name of person you spoke to.
• Tracking numbers, contacts, and/or service agreements.
• Date you returned item(s) or canceled service along with cancellation/confirmation numbers