Immediately notify the credit union. Identify by date and dollar amount the transactions that you did not authorize. The credit union will review your claim. The credit union may ask you to complete an affidavit of unauthorized use.
You must report any unauthorized electronic transaction that appears on your account statement within 60 calendar days of the credit union's transmission of the statement in order to avoid liability for any subsequent transfers. Therefore, it is important to review your account statement upon receipt.
If the charges have been ongoing for eight months, the credit union can take into consideration when the first disputed transaction posted to the account, and when the credit union sent you the periodic statement reflecting that first transaction. If the same merchant has been billing you for eight months, and you failed to notify the credit union in a timely manner, you, as the account holder, may be liable for some of the transactions.