Deny Justifications

Description

When denying a dispute with the deny reason No Error, if justifications are enabled, the user is prompted to select one or more justifications. These items are set by the client during onboarding using the samples below or crafting their own, or a combination of both.

Content

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

Sample

We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute.

We have come to this conclusion because:

The additional information requested to continue with this claim was not received within the allowed timeframe; therefore, we have no other recourse but to deny this claim.
Without documentation to indicate a credit is due, we are unable to determine an error has occurred.

Rule	DenyJustifications