Conditions

The Cardholder claims that the Card Account was billed by a Merchant for a Card Transaction, but the Cardholder never received the goods or services.  Following are examples of applicable scenarios:

• Cardholder ordered goods and/or services and never received the requested goods and/or services and the Card Transaction was charged to the Account
• Cardholder did not receive airline ticket and Purchased another ticket
• Cardholder did not receive airline ticket and did not travel
• Cardholder advised airline ticket was canceled, but Account was billed
• Airline ceased operation

The amount of the Chargeback is limited to the portion of the Card Transaction for goods or services not received by the Cardholder.

Timing

An Issuer or Issuer Processor may initiate a Chargeback within the following timelines as applicable:

• If a Transaction Retrieval Request (TRR) is submitted, a Chargeback must be initiated between 60 calendar days of the TRR initiation date and 30 calendar days of the close date of such TRR.
• If there is no TRR, the Chargeback must be initiated within 120 calendar days of the Processing date of the Card Transaction.
• If a delivery date was not provided or agreed upon, then the Processor may initiate a Chargeback Request from 15 to 120 calendar days from the Transaction Date.

Dependencies

• The Cardholder must first attempt to resolve the claim directly with the Merchant. Only after the Issuer or Issuer Processor confirms that the Cardholder was unsuccessful in resolving the claim directly with the Merchant may the Issuer or Issuer Processor initiate a Dispute.
• For a Chargeback involving an airline that ceased operation, PULSE requests that the Issuer or Issuer Processor submit a valid, legible assignment letter signed by the Cardholder within five calendar days of the Dispute initiation.

Validations

• Is not a PPE transaction in an amount less than $50.