Page Comparison

Additional Information Not Received

The additional information requested to continue with this dispute was not received within the provided timeframe; therefore, based on the information available, we have no other recourse but to deny this dispute.

Always

ATM Footage - Positive ID

Our investigation of your dispute included a review of images from cameras at our ATM or branch locations, as applicable, as well as current images from your disputed transactions. The images showed that you or another authorized individual conducted the transactions. As a result, we have concluded that the transactions in question were authorized.

ATM Fraud

ATM Withdrawal

Our records indicate that the transaction processed correctly, and the ATM was not out of balance.

ATM Non-Fraud

Authorized - Valid Charges

These charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf.

Always

Authorized User

Based on the information provided by you and our research of your dispute, we have determined the disputed activity was completed by an authorized user of the account, and is not considered unauthorized.

Fraud

Conflicting Info

We have found conflicting information with your dispute from our review of your card information and recent banking activity. We have determined the disputed transactions were authorized.

Fraud

No Record of Deposit

We were unable to locate a deposit being made using the card associated with your dispute.

ATM Non-Fraud

Proof of Auth - Partial

The merchant has provided documentation that indicates you participated in the transaction and agreed to the terms and conditions at the time of the purchase.

Always

Proof of Credit

Without documentation to indicate a credit is due, we are unable to determine an error has occurred.

Non-Fraud

Proof of Payment

Without documentation to show another method of payment was used, we are unable to determine an error has occurred.

Non-Fraud

Quality of Merchandise

Though the quality of the product received did not meet your expectations, because you are still in possession of the merchandise, we are unable to proceed with your dispute.

Non-Fraud

Quality of Service

Though the quality of the services provided did not meet your expectations, we are unable to proceed with your dispute as the services were utilized.

Non-Fraud

Recurring Charge Not Canceled

Cancellation of services was not completed prior to the billing of the disputed transaction.

Non-Fraud

Separate Authorizations

The merchant obtained separate authorizations for each transaction posted to the account.

Non-Fraud