QFD accounts for fees due to regulatory requirement that the borrower be made whole. Fees can apply to a dispute or a claim, and will apply somewhat differently depending.
Fees related to a Dispute
These are going to be fees that we can directly tie to a disputed transaction. For example, a purchase of $100 in Canada may have a corresponding fee of $1.50 (1.5%) for being performed in a foreign currency. Another example may be an ATM withdrawal done at Chase Bank, where there is a $62 withdrawal amount, and then a fee of $3 imposed by WTB for using another ATM.
We would need some sort of identifier (such as a sequence number, Retrieval Reference Number, etc.) to definitively say the fee belongs to the transaction, but as long as we have that, we can automate the refund for those fees.
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