Chargeback Reason
Cardmember was incorrectly charged for car rental damage, theft, loss of use, or other extraordinary fees related to the damage, theft, or loss of use.
Description
The Issuer may charge back a Transaction using this ISO code under one (1) of the following circumstances:
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120 days from the Network Processing Date of the Presentment
Dependencies
As applicable, the Issuer must provide the following for Chargebacks processed under this ISO code:
- Issuer Declaration that indicates the Chargeback description.
- If the Transaction amount exceeds the estimated amount by more than 15%, a copy of the specific estimate of the capital damages agreed to by the Cardmember, showing the amount agreed upon with the car rental
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- merchant.
- If the Cardmember purchased the merchant’s collision, loss, or theft insurance - Documentation that proves the Cardmember purchased, and was charged for the car rental merchant’s collision, loss, or theft insurance.
- If the Cardmember was charged for theft or loss of use of the vehicle - Documentation that proves the Cardmember was charged for theft or loss of use of the vehicle.
Validations
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Is Eligible for 4750 Car Rental Charge Non-Qualified or Unsubstantiated
- Is Car Rental Charge Non-Qualified or Unsubstantiated Claim Reason
- Is a POS transaction
- Transaction Amount > $25
- Merchant Car Rental Transaction
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- Claim Reason = MerchantChargedLossTheft AND
- IsPOSTransaction_A = true AND
- Transaction Amount > $25 AND
- MCC = 3351 - 3441
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Document Requirements
- Copy of Rental Agreement - Always required for this chargeback reason.
- Estimated Damages Documentation - Required when the Cardmember required a quote for the cost of the estimated damages.
Related Questionnaires
Amex Charged for Loss Theft or Damages Questionnaire