LOD
What is an LOD?
Letter of Dispute - Fraud Ownership or Fraudulent Transactions
This is how many statements need to be sent, if available
24
Account opened via internet and is not attorney placed with no special tags
Bal Val Internet
This is the system in which we verify multiple pieces of information found on the account
Accurint
This is where we pull cases to work.
Tableau
If the account has a PCM and SCM listed and one of them is claiming fraud ownership, what do you do?
Send to DisputeOwnership@Discover.com, notate and close case without sending letter.
Are dispute flags changed on VODs?
No
Account opened via internet with a valid bankruptcy that is still open
Valid BKY Letter
This is the system where we pull bankruptcy information.
AIS - American InfoSource
For an LOD, if the Dispute Type is this it needs changed.
"H"
When pulling a case and it should have gone to Merchant Disputes, what are the steps to send the case to them?
Send email to DisputesOversight@discover.com and CC TL with any available documents, notate acct and close case without sending letter.
This needs to be removed from the letter for VODs if the dispute flag is an "N."
Dispute Verbiage
These two things need to be on every non-attorney placed letter.
Balance & F&D Ph#
This system tells you when to send a 1099C Letter.
Debt Manager
If the acct has this, we have to obtain permission from TL/TC to delete.
Judgement
When completing a hold, how many pieces of strong evidence is needed?
3
On deceased accounts, this will change the dispute type from VOD to LOD
ADOD Transactions
These items are required on the letters for Washington DC accounts.
All purple fields - Full account #, discover email address listed at bottom, and last payment amount and date
This is the system that we use to delete the tradeline.
Iris
How do you determine if there is a SIF or BIF in Process?
Date of investigation opened and when SIF/BIF occurred.
When do we use Convoke and what are 3 of the types of documents are pulled?
Attorney placed and answer, debtor corr, fraud claim, FAD, judgement, applications, dismissals
On an attorney placed VOD, what do you look for in Convoke to determine if the VOD has already been completed and you do not have to send correspondence?
Debt Validation that also includes statements
When sending a letter to a TP - which sprayline is used?
****$$CPS/lttr/tp-(NAME) /re:cm1/mail/(address)/LETTER NAME/ enclsrs:XXXXX // OR ****$$CPS/lttr/tp-(the estate of CM NAME) /re:cm1/mail/(address)/LETTER NAME/ enclsrs:XXXXX
What are the steps to find the attorney for an attorney placed account?
In DM, copy workgroup short name, click on Portfolio management, click on receivers, drop down to short name, paste into field and hit enter.
This document is found via convoke. Per Policy and Procedure, account is deleted and notated.
Dismissal with Prejudice.