Name | Verbiage | 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 |
