Conditions

An issuer may initiate a Dispute under Dispute Condition 13.6: Credit Not Processed for the following reason:

Either:

• The cardholder received a credit or voided transaction receipt that was not processed.
• For an ATM Transaction, the cardholder disputes the validity of the adjustment, including a shared deposit adjustment, because the original transaction was either cancelled or reversed.

Time Limit

Before initiating a Dispute, an Issuer must wait 15 calendar days1 from the date on the Credit Transaction Receipt. This requirement does not apply if the Credit Transaction Receipt is undated.

A Dispute must be processed no later than 120 calendar days from either:

• The Transaction Processing Date
• The date on the Credit Transaction Receipt

For an ATM Transaction, a Dispute must be processed no later than 120 calendar days from the Transaction Processing Date of the Adjustment, including a Shared Deposit Adjustment.

Dependencies

A copy of the Credit Transaction Receipt or voided Transaction Receipt