We're sorry to hear you need to dispute your purchase. Let's go over the next steps. 

If you haven't already, you'll need to contact the merchant associated with the loan. Merchants can usually help resolve your issue with the purchase. If the merchant cannot help you, we can help you open a dispute. Disputes can only be opened within the first 120 days of the original purchase. 

To make a dispute, call us at 800-212-2364. 

What to expect:

• Once a dispute is made, you and the merchant will be asked to provide supporting evidence for the claim. After this, an investigation will be opened.
• We'll let you know if provisional credit will be applied to your account and when you can expect it.
• Based on the amount you're disputing and the balance of your loan, during the investigation, we'll let you know if you need to continue to make the loan payments on your account. Not making payments when required could result in delinquent notices and impact your credit score.
• After the investigation, we will notify you of the resolution. This can take up to 90 days.
• If the resolution is found to be in your favor, any provisional credit applied to your account will remain.
• If the resolution is found to be in the merchant's favor, any provisional credit applied to your account will be reversed and your loan agreement and payment schedule will continue.
• You will be mailed updates during this process. We’ll keep you updated on any additional information needed or any changes to your dispute.

For your security, letters are sent in unmarked white envelopes.