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Kristafanie Somers

Kristafanie Somers

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Description

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When denying a dispute with the deny reason No Error, if justifications are enabled, the user is prompted to select one or more justifications.  These items are set by the client during onboarding .  The items shown on this page are for sample only.using the samples below or crafting their own, or a combination of both. 

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Description

When denying a dispute with the deny reason "No Error", if justifications are enabled, the user is prompted to select one or more justifications.  These items are set by the client during onboarding.  The items shown on this page are for sample only.

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Credit Voucher Deny, Duplicate Dispute Deny, Fraud Application Deny, Merchant Credit Deny, Merchant Credit Partial Deny, Merchant Debit Letter Deny, Missing Deposit No Error Deny, Missing Deposit Partial Deny, Money Transfer Deny, Never Posted Deny, No Error Deny, No Error Outgoing Wire Deny, No Error Partial Deny, No Error With Official Bank Check, Non-Government Reimbursement Denial, Out of Timeframe, Posted Late Deny, Proof of Authorization Letter, Valid Card Present Deny, Withdrawn Letter

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Name

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Applicable To

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

Applicable To

Definition

Always

Applies to all disputes

Fraud

Applies to fraud disputes

Non-Fraud

Applies to non-fraud disputes

ACH

Applies to all ACH disputes

ACH Fraud

Applies to fraud ACH disputes

ACH Non-Fraud

Applies to non-fraud ACH disputes

ATM

Applies to all ATM disputes

ATM Fraud

Applies to ATM fraud disputes

ATM Non-Fraud

Applies to ATM non-fraud disputes

Balance Transfer

Applies to all Balance Transfer disputes

Bill Pay

Applies to all Bill Pay disputes

Card Claim

Applies to all card disputes

Card Non-Fraud

Applies to all card non-fraud disputes

Card Fraud

Applies to call card fraud disputes

Convenience Check

Applies to all Convenience Check disputes

Credit

Applies to all credit disputes

Credit Fraud

Applies to all credit fraud disputes

Credit Non-Fraud

Applies to all credit non-fraud disputes

Debit

Applies to all debit disputes

Debit Fraud

Applies to debit fraud disputes

Debit Non-Fraud

Applied to debit non-fraud disputes

Identity Theft

Applies to all identity theft disputes

Real Time Payments

Applies to all RTP disputes

Real Time Payments Fraud

Applies to RTP fraud disputes

Real Time Payments Non-Fraud

Applies to RTP non-fraud disputes

Wire

Applies to all Wire disputes

Zelle

Applies to all Zelle disputes

Zelle Fraud

Applies to Zelle fraud disputes

Zelle Non-Fraud

Applies to Zelle non-fraud disputes

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Sample

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We have determined that no error has occurred.  If you are able to provide new information, you may request a reevaluation of your dispute.

We have come to this conclusion because:

  • The additional information requested to continue with this claim was not received within the allowed timeframe; therefore, we have no other recourse but to deny this claim.

  • Though the quality of your rental did not meet your expectations, we are unable to proceed with your claim as the accommodations were utilized.

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

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

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

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

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DenyJustifications

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Rule

DenyJustifications