Conditions

Cardholder claims that the Account was charged or credited for a Card Transaction that the Cardholder does not recognize.

Timing

An Issuer or Issuer Processor may initiate a Chargeback within the following timelines as applicable:

• If a Transaction Retrieval Request (TRR) is submitted, a Chargeback must be initiated between 60 calendar days of the TRR initiation date and 30 calendar days of the close date of such TRR.
• If there is no TRR, the Chargeback must be initiated within 120 calendar days of the Processing date of the Card Transaction.

Dependencies

None.

Validations

• Cardholder alleges fraud in connection with the Dispute, including Disputes assigned a Fraud Chargeback reason code
• Chargeback where the related TRR included a Fraud Analysis Request as part of a TRR Reason Code 6041
• Chip Card Transactions that require PIN entry
• Failure to obtain a signature at a Point of Sale (POS) Device that is not a CAT
• Transaction being referenced for the Dispute is of an amount less than $50 and contains valid indication of a PPE Transaction