If your dispute is with a merchant, you must first attempt to return your merchandise and seek a refund from the merchant. Please note that you must wait until the charge appears on your monthly credit card statement before you can dispute it. To dispute a transaction or view a history of disputed transactions, login to Home Banking at towerfcu.org and go to your Mastercard account, Account Services, Dispute Transactions. If you are not a Home Banking user, call 866-570-1238 for a summary of available options