Initial Review Assignment Group

Overview

A provisional credit is a temporary credit issued to the account holder's account. In the dispute process, a provisional credit is provided while the investigation continues. The purpose of a provisional credit is to prevent additional monetary loss to the account holder due to an unauthorized charge or disputed transaction.

The Initial Investigation assignment is handled differently by firms, so review internal guidelines to understand what is needed in order to complete this task. Consider the following:

Do users deny disputes with no recovery rights?
Is a fraud investigation required prior to PC issuance on fraud claims?
Do users reach out to the account holder for additional information if needed for recovery prior to PC issuance?
How and when should users notate the work they completed for this assignment?
Should QFD continue with recovery after the dispute has been written-off?

How-To

Use the example claim you've prepared for the walkthrough.

Step 1: Determine if provisional credit should be issued or if the dispute needs to be denied or paid following internal guidelines

Step 2A: To grant provisional credit, click the Grant Provisional Credit button which will issue provisional credit to all disputes with this assignment

Ensure the Send Provisional Credit Communication drop-down reflects Yes

Step 2B: To make a write-off decision, click the Grant Final Credit button which will pay all disputes with this assignment or select Grant Final Credit by clicking on the Other Actions button to write-off the selected dispute

Answer the question Do you want to pursue recovery after granting final credit? with Yes or No according to your firm's best practices
- If Yes is selected, the dispute will be paid and QFD will move forward with the recovery process
- If No is selected, the dispute will be paid and recovery will not be pursued
Optional: Provide an explanation as to why you made the pay decision in the Reason field

Step 2C: To make a deny decision, click the Deny All button to deny all disputes with this assignment or select Deny Dispute by clicking on the Other Actions button to deny the selected dispute

Choose a deny reason under the Reason for Denial drop-down
Enter the reason for the denial in the Deny Comments if required (asterisk)

Step 2D: If documents or information are needed, take the following actions

Click the Cancel button if you've expanded the assignment
Select Pend by clicking on the Other Actions button
Select Customer Response from the Pend Reason drop-down
Update the Business/Calendar days to resume: according to internal best practices
Select Yes from the Send Additional Information Communication? drop-down
Using the calendar tool, update the Response Required by Date to match the Business/Calendar days to resume:
Under Find Existing Content, select the templates that meet the document or information need or use the Add a Custom Section to enter the request in a freeform box

Step 3: Click the Apply button

Step 4: Click the Process Actions button

Other Actions

The Other Actions menu offers additional actions and information that allows the user to effectively work the task.

Deny Dispute

The Deny Dispute option allows the user to deny the selected dispute. In the Initial Investigation assignment, users may need to deny due to the account holder withdrawing their claim or the dispute has no recovery rights.

Grant Final Credit

The Grant Final Credit option allows the user to write-off the selected dispute. In the Initial Investigation assignment, users may need to write-off the dispute if it has no recovery rights or when applying the 60-day Rule.

Adjust Dispute Amount

This action enables the user to lower the dispute amount. The dispute amount may need to be adjusted when calculating account holder liability on fraud claims or after reviewing an itemized receipt on a non-fraud claim.

Check for Merchant Credit

This action allows the user to check recent transaction activity for a refund. If a refund is found, the user can deny the dispute.

Mark Assignment As Unworkable

Assignments that cannot be worked due to a technical issue can be marked as unworkable. This action will move the unworkable task to the Unworkable Assignment Group where leadership can review the scenario and take steps to resolve it. Technical errors that require the task to be marked as unworkable include QFD not reflecting correct data or when a user takes an action on the task, the action does not process and the assignment loops or is stuck.

Bulk Actions

Bulk Actions enable users to apply action to multiple disputes at once, saving the user time.

Bulk Take Action

This button is available when there are multiple disputes present in the selected node. The bulk action applied will impact only the disputes on the page you're currently viewing if there are multiple pages due to the number of disputed transactions.

Grant Provisional Credit

This button allows the user to issue provisional credit to all disputes with the Initial Investigation assignment.

Grant Final Credit

This button allows the user to write-off all disputes with the Initial Investigation assignment.

Pend

This button allows the user to apply a wait status to all disputes with the Initial Investigation assignment. The user may want to apply the wait status for a variety of reasons, including requesting information or documents from the account holder or needing to pause the assignments to complete an internal investigation.

For additional information on the Pend function, click here.

Deny All

This button allows the user to deny all disputes with the Initial Investigation assignment.