This article explains how to dispute a transaction in your M1 Cash Account, which transactions are eligible for disputes, what to expect during the investigation, required documentation, and your consumer rights. It also provides troubleshooting help and alternative ways to get support if the online process doesn’t work.
Eligible transaction types for dispute
You may dispute unauthorized, incorrect, or duplicate transactions in your M1 Cash Account, including:
Unauthorized purchases or withdrawals
Unrecognized charges
Duplicate or incorrect transaction amounts
Transactions for goods or services not received
Note: Routine inquiries such as questions about account fees or interest are typically not handled through this process—please contact M1 Client Success for those.
Required documentation
To help resolve your dispute efficiently, be prepared to provide:
The date and amount of the transaction
Merchant or recipient name, if applicable
A description of the issue (why you are disputing)
Any receipts, communications, or evidence supporting your claim (screenshots, emails, invoices)
Step-by-step: Disputing a transaction
Web
Log in at M1.com.
Go to the Earn section and select your Cash Account.
Find and click the transaction you want to dispute.
Click Report issue with this transaction.
Select Contact support and complete the dispute submission.
Note: The dispute process above is not available on mobile. To dispute a transaction mobile, please contact M1 Client Success with the transaction details.
What to expect after submitting a dispute
Acknowledgement: You’ll receive confirmation that your dispute has been received.
Investigation: M1 will review your claim and may contact you for additional information if needed.
Resolution Timeframe: Most disputes are resolved within 10–45 calendar days, depending on the transaction type and complexity. Complex cases may require more time, but M1 will keep you informed.
Final Outcome: Once the investigation is complete, you’ll be notified of the decision and any adjustments to your account.
Troubleshooting & alternative contact methods
If you’re unable to submit a dispute online, or if your issue is urgent, contact M1 Client Success directly for immediate assistance.
Keep all related communications and documentation throughout the process in case follow-up is required.
Frequently asked questions
What kinds of transactions can I dispute?
You may dispute unauthorized, fraudulent, incorrect, or duplicate transactions.
What happens if M1 needs more information?
You may be contacted for supporting documentation or clarifying details. Respond promptly to avoid delays.
How will I know when my dispute is resolved?
You will receive a notification in your M1 account or by email with the investigation outcome.
Can I dispute more than one transaction at a time?
Each disputed transaction must be submitted separately.
M1 High-Yield Cash Accounts are offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. Funds held in your brokerage account are not FDIC insured but are protected by SIPC. Participating cash balances will be eligible for FDIC insurance once funds are conveyed to partner banks who accept and maintain deposits and provide FDIC insurance.
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
SAIF-08202025-janrtepp