ACH 1
It is the return code we use for non-CCD transactions
R10
What are the green flag for Debit issue claim
Customer's account was debited without notice
Customer's account was debited earlier than authorized
24hrs
Return code for Personal CCD transactions (fraud or non-fraud)
R05
What is the transaction code for forced posted transaction?
709
279
Return code we use for Business CCD
R29
What is the amount we consider to be a High Dollar claim?
What is the claim scenario if its a Business account reported date is March 27, 2025 and transactions added to the claim were from January 14, 2023 up to December 3, 2024?
Business out of timeframe or AOOT
What is the recovery timeframe for Personal account CCD or non-CCD transaction
60 calendar days
Transaction codes for credit?
173
176
Types of Fraud claim
Unauthorized Transaction
Unauthorized CCD
Third Party Inducement
What will be our decision if the claim amount is $49 and transactions are mixed of within and outside recovery timeframe?
Process the claim as usual, do not take the claim to loss
+ 300 points
What is our threshold amount?
$50
Posting time for return codes if PC was processed via Financials?
Return code will post in 24 to 48 hours
What will be our action if its a Business CCD transaction within 24hrs and no denial?
Submit to eServe and set to follow-up next business day
What is the return code for Cancelled Recurring
R07
What will be our process if the claim was a mixed of CCD and non-CCD transactions?
Refile or create a new claim to separate CCD from non-CCD.
Provide red flags for Fraud Claim
Eserve name matched
Undisputed transactions with the same merchant
Provide indicator for pending transactions
TAC
WAC
TRP
What are the reasons why we need to add the transactions to manual Debit Spreadsheet?
PC was issued to:
Memo or pending transaction
Manually added transaction
Transaction posted to a different account
What are the non-fraud claims
Cancelled Recurring (AXCR)
Duplicate Processing (ADPR)
Paid By Other Means (APOM)
Over Charge (AOCH)
Debit Issue (AADI)
Improver Reversal (AREV)
+ 300 points
Business account can dispute a transaction within?
1 year from the posting transaction date.
What is the next thing we need to do after we have successfully created a new claim
Backdating
Provide the Step 1 Assess Status
Claim scenario (cm's assertion)
Transaction status (posted or pending)
Duplicate claim
Merchant credit
Customer Withdrew
+ 500 points
Provide sole denial indicator
Customer withdrew
Merchant Credit
Service related dispute
Chargeback