CND PAPATSSS

KNOWLEDGE BASED LINK:

6010- 6012 (OVER THE COUNTER)

Full / Partial

• Counterfeit money - fake money • Cash was torn - proceed to deny the claim / may gisi hmbl ni janrey • More than amount dispense than the settled disputed transaction proceed to deny the claim. • Recat of cases are applicable

CND

straight forward
full/ partial, resolution date is after "45 days"
will do post monitoring
has shorter timeline

ATM Transaction Types: • VISA - plus settlement - PL (90% there's ATM FEE) • STAR- star/ Money Pass settlement - MP ( no ATM FEE)

identify if there is associated fee/ not
If Money pass/ Fee was charged on the CH ATM Fee MoneyPass - No charged/ No Fee
MP - approved PL - Denied
if both split Decision

FEE

Direct Deposit View

Account Details

To check Merchant Credit • Copy the description >> Account Details (adj date) >>

All transactions

To check if there's ATM FEE

Fee History

- To check if there's ATM FEE
When making notation for ATM FEE include the associated Dispute ID. (Please Refer Original ID XXXXX)
To check Merchant Credit • Copy the description >> Account Details (adj date) >>

**MITIGATING ** Less Severe/ Painful

• Cash Load- CH transfer money from another account to his account -Money was deposited first before the transaction is charged -200+ direct deposit - Cash on/ Cash off / Money Laundering

Identifying if there is Mitigating Factor • Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals. • The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims. (If there is a Mitigating factor proceed CB)

*Within 6 months NEW account, Past 6 months OLD account

Identifying FRAUD SIGNAL • There is a initial funding funding event

**Chargeback **

CB Code is ONLY 13.9
If the CH was issued PC, proceed CB automatically

Mitigating factors: •The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims. •Establishes payroll direct deposit. •Normal spending activity observed.

https://help.chime.com/hc/en-us/articles/14851722493207-Dispute-Resolution-Notes-Guide