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Fraud Dispute Lifecycle
1When reviewing your statement, you identify a transaction that you do not believe is valid
2Contact CIBC within 30 days of the statement period end date shown on your statement
3Your CIBC credit card is cancelled and a replacement card is ordered

A credit is processed to your account
4CIBC may request documentation if required according to VISA regulations
5You activate your replacement card
Fraud Dispute LifecycleFor example, you did not authorize a transaction.

Non-Fraud Dispute Lifecycle
1When reviewing your statement, you identify an unauthorized transaction
2Contact CIBC within 30 days of the statement period end date shown on your statement
3CIBC may request documentation to validate dispute
4You return the required documentation to CIBC and the dispute will be submitted to the merchant's financial bank
5CIBC investigates and if the transaction is determined to not be valid, we'll process a debit to the merchant's financial institution and a credit to your account
Non-Fraud Dispute LifecycleFor example, you were double billed.