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Dispute Category | Claim Reason | Required Document | Additional Criteria |
|---|---|---|---|
Fraud | Fraud Application | Statement of Fraud Application | Claim Reason = Fraud Application |
Processing Error | Paid by Other Means | Proof of Payment | Required when the other form of payment is not a card issued by the same issuer as the transaction being disputed. |
Consumer Dispute | Merchandise/Services Not Received | Statement of Dispute | 3 or more Merchandise/Services Not Received disputes on same account, at same merchant, within a 30-day period |
Consumer Dispute | Credit Not Processed | Copy of Credit Transaction Receipt or Voided Transaction Receipt | A Credit Transaction Receipt or Voided Transaction Receipt was issued. |
Consumer Dispute | ATM Withdrawal | Statement of Dispute | 3 or more ATM disputes on same account, at same ATM, within a 30-day period (does not apply to proprietary ATM transactions) |
ACH Verbal Attestation
In lieu of requiring a Written Form of Unauthorized Debit, when a claimant is fully verified via a supported intake channel, a verbal attestation can be used to satisfy the document required. This optional "Signer Disclosure" setting can be enabled via Client Settings. When enable, the following attestation is displayed to internal users on the Summary screen:
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To enable or disable all document requirements, see Document Requirements Pre-Conditions. To establish if, and how long, provisional credit should be delayed while waiting for documents, see Pend PC for Documents. To extend core document requirements by adding new conditions to enable/disable specific requirements, update DetermineRequiredDocsExtension. To use softer "requested" verbiage instead of "required", set AreDocsRequired to false. |
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