4859 – Addendum, No-Show, or ATM Dispute - Transactions Involving a European Issuer or Acquirer


Dispute Code

4859

Category

Cardholder Dispute

Message System

Dual Message System

DESCRIPTION

Why did I receive this chargeback?

The cardholder claims not to have received cash or only received a partial amount from an ATM withdrawal.


TIME LIMIT

How long can the issuer wait to file a chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 120 calendar days.


FIGHT

What compelling evidence is needed to respond?

  • Proof the correct amount was disbursed to the cardholder

PREVENT

How can I avoid this chargeback in the future?

  • Reconcile ATMs promptly.
  • Adjust out-of-balance ATMs.
  • Process a credit as soon as possible if you notice a discrepancy.

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