You have 60 days from the time your credit statement cycles to dispute the transaction in question. While we investigate the charge, you will not be responsible for paying the disputed item, nor will you be charged finance charges on the disputed item(s) during that time.

To download and print a Credit/Debit Card Dispute Form, please visit the following link on our website: https://www.penfed.org/316/ 

The completed form must include your signature, and it can be submitted in the following manner:

By mail: Credit Card Services: Disputes, PO Box 456, Alexandria, VA 22313-0456
Fax: 703.838.1518 or 800.253.6589.
Email: info@HQ.PenFed.org 

Email attachments will only be accepted in one of the following formats .BMP, .TIF, .JPG, .PDF, .DOC, .PCX, and .PPT

By Telephone: If you do not have Internet access or you are unable to print the form, the dispute may be submitted by telephone. To do this, please contact a Member Service Representative at 800.247.5626.