If you experience unauthorized transactions, notify your financial institution immediately. Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing and history.
The transaction-at-issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please consult your issuer.