KNOWLEDGE BASED LINK: 

https://help.chime.com/hc/en-us/articles/4409144625687-Identifying-ATM-Cash-Non-Dispense-Errors-Final


https://help.chime.com/hc/en-us/articles/4403567453335-Redefining-Chime-Direct-Depositor-


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