543 Proper Use for Acquirer’s Second Presentment. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Notes. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Step 1: The cardholder disputes a charge. Used when: The merchant processed the transaction more than once, causing the cardholder to be debited twice for the same transaction or the cardholder paid for a transaction using one form of payment and was IPM Arbitration Chargeback Message Reason Code. 4512: Duplicate Processing:STAR Chargeback Reason Codes; Visa Chargeback Reason Codes; Network Limits; Published BIN Files; 🧭 Best Practices. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. To test a dispute, generate a payment request with specific information from the test scenarios. . The issuer must let at least 15 calendar days pass before initiating a dispute unless the. . Fraud-related Chargeback Counter Exceeds Threshold. Update Supporting Documents bullet list Single Message System Chargebacks > Chargeback Reason Codes > Cash Dispute-ATM Only Acquirer Representment (Second Presentment) Incorporated the changes announced in “AN 1550—Announcing the Retirement of SAFE. Reason code 83 represents a chargeback categorized as. </sub> Detailed Chargebacks Reason Codes List for Mastercard. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Click on “report a problem” and select the transaction in question. or order no. Either the chargeback must be processed within 120 calendar days of: the date on the credit documentation, or. 4 Funding Process. 7: Defective goods and services: C32: RM: 13. Reason Code Number. Travel/Entertainment Services Not Provided/Not as Described and Merchant Voucher Issued. BIO 101. Chargebacks can be a costly part of accepting card payments and entail administrative. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 4860 – Credit Not Processed. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. 45. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. . Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. 1. EN. BIO. Chargeback Reason Code 4860 is applied when issuing bank gets a notice from the card owner that the merchandise was returned, but merchant hasn’t refunded, or the credit hasn’t appeared on the bank statement. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. This means providing evidence that will undermine the cardholder’s claim. DE 72 (Data Record). Pages 100+ Total views 100+ Collège April-Fortier. 2: EMV Liability Shift Non-counterfeit Fraud: 10. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. View 225 Download 6. Be sure you understand the cardholder’s claim. Authorization. Chargeback Reason Codes. Pages 798Some credit card companies also include a short phrase describing the code and chargeback. By default, payments should be auto-captured, but if this fails, you have the option to manually. the date the service was canceled, or. By entering your email, you agree to receive marketing emails from Shopify. 4807 – Warning Bulletin File. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. For example, MasterCard classifies credit not processed as Reason Code 4860, while Visa has it as Reason Code 85. There are over 80 unique return codes, and each one represents a different type of return. . Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. DE 72 (Data Record). BIO 101. Although the stipulations on those set of reason codes are similar, sometimes, the information an issuer received from a consumer gets altered as it travels. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Reason Code 53 re-presentments must be processed within 45 calendar days from the. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. That’s because customers often use the chargeback. 2022 Visa Chargeback Reason Codes. Company. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. Time Limit in Calendar Days. About Mastercard chargeback reason codes. Reason Code. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 4808. Consumer Disputes. compliance process depending on whether a chargeback right exists. TB. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. 4515 . 4853 – Cardholder Dispute – Credit Posted as a Purchase. Code: Category: Description: 10. For example, 10. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. Although the stipulations on those set of reason codes are similar, sometimes, the information an issuer received from a consumer gets altered as it travels. pdf from BIO 101 at Collège April-Fortier. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Process cancellations or refund requests in good time. 4807 – Warning Bulletin File. The chargeback can be for the total transaction amount or a lesser amount. It is important to note that these are the general time limits. Arbitration Chargeback Condition. MASTERCARD CHARGEBACK REASON CODE 4860 De*****ion Media Required Credit Not Processed Issuer received a letter of complaint from a cardholder stating that a card acceptor has not posted a credit to his or her account or that the card acceptor posted a credit and reduced the amount of the credit due without proper. What is Visa chargeback reason code 13. At this stage,. 3 No Authorization. Invoices that show dispute is for a future booking that is still live and available to the customer and has not been cancelled. Your issuing bank will often give you a provisional credit for the disputed amount, and the dispute will progress from there. 541 Interregional Message Reason Code 4860-Credit Not Received. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 6 General update and rebranding. 4860 Credit Not Processed. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. 0: Changed report name from Downloadable Dispute Report to Case Report. View Mastercard_Chargeback_Guide_4. For more information about chargebacks filed with this reasoning, please see reason code 4853, subcategory Credit Not Processed. Step 2: Customer initiates the chargeback – After the customer reviews their credit card statement at the end of. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. October 25, 2023. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Replaced Chapter 1, Processing Procedures— MasterCard Dual Message System. Step 2: Customer initiates the chargeback. Category. School Collège April-Fortier; Course Title BIO 101; Uploaded By ProfNewt2605. Credit Not. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Visa. It depends on the chargeback reason code associated with the dispute. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Step #2 | Report the Scam to PayPal. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. The chargeback reason code. Reference these when rebutting cardholder disputes at your small business. Which is meant to know the reason for the dispute. For example, MasterCard classifies credit not processed as Reason Code 4860, while Visa has it as Reason Code 85. 2 Compliance CasesDownload Chargeback Guide. 3. Reason Code 30: Services Not Provided or Merchandise Not Received Reason Code 41: Cancelled Recurring Transaction. To better be prepared for what the future might bring, we try to predict how hacking tools might evolve. Acquirer Reference Data (ARD) Does Not Match or is Invalid. Thus, the easiest way to prevent chargeback reason code 75 from being. pdf; of 571 /571. Time Limit Framework for Chargeback Reason Codes. And according. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Match case Limit results 1 per page. Each card network maintains reason codes to cover all the disputes that qualify for. [1] Sift. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. . 4808 – Authorization-Related Chargeback. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Download PDF Report. For perspective, the next highest. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. The issuing bank will then pass on the chargeback to the merchant. . These may impact the dispute time limits. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Representment Documentation. Chargeback Reason Code. Overall returns (all codes): 15%. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Visa Reason Code 13. Each chargeback is disputed by a specific reason code. Mastercard Reason codes fall under four categories. Responding to a chargeback request. Description. The Mastercard chargeback reason code had condensed down in 2016, like the processor that Visa just underwent with Visa Claims Resolution. 4807 – Warning Bulletin File. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Common reason codes Mastercard. Chargeback time limits vary depending on the reason for the dispute. 4807 – Warning Bulletin File. Then it chooses the most applicable code for a. The implication is that the merchant is at fault. Time Limit. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 4860: Credit Not Processed. Reason codes are important to help merchants address recurring. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRApril 18, 2020. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardEach chargeback comes with a code that designates the reason it was filed. There may be exceptions in some cases, so it is always best to check with your specific card issuer to be sure. Look below the surface. 4855. Explain the return policy to your customers, including any associated costs. Chargebacks may happen for a variety of reasons: the most common are returns of goods, cancelled services, quality disputes or processing errors, and fraud. Credit card fraud is a big problem for eCommerce merchants, leading to many true. These codes fit into four categories: (10) Fraud: For transactions where no EMV chip was used, stolen payment card credentials were used or transactions were flagged by the Visa Fraud Program. S. 542 Interregional Message Reason Code 4880-Late Presentment. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Visa chargeback reason code 75 is filed as an honest mistake. 4807 – Warning Bulletin File. Chargebacks can be a costly part of accepting card payments and entail administrative. Other Ineligible Transactions Under Reason Code 62, Condition 2 . 4808. . Step 3 – The acquiring bank receives the. Administrative returns (R02, R03, R04): 3%. Chargebacks Explained;Now we are very familiar with the word ‘Chargebacks’ from the expert at Chargeback Expertz. 5. Description: Reason code for applying handling fee. What is Visa Reason Code 13. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itMastercard Collaboration will be a step in the right direction. Both EFM and ECM measure compliance at the MID level. Specifically, these updates only pertain to transactions that are charged back after Oct. Learn More about MasterCard Chargeback Reason Code 4860: Cardholder Disputes Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Replace 48XX with the valid chargeback message reason code. Authorization. Every chargeback is filed with a reason code that identifies the given reason for the dispute. Case Studies. 4860. . These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. MasterCard time limits vary depending on the applicable reason code. So how does a merchant know what is specifically to blame for the chargeback? When applicable, an additional message will be provided along with the reason code. Updated: 10 May 2016. Valid chargeback reason codes are defined in UDC 03B/CB. 11/03/15 Updated these MasterCard. France saw a drop of roughly 50% during the same period. Read the Chargeback Advice letter carefully. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Cardholder Disputes. MasterCard: Reason Code 4859 Services not rendered. The chargeback is initiated under the EMV Liability Shift policy, which holds. Chargeback reason codes; Chargeback Reason Codes. the date the service was canceled, or. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. 1: Use the corresponding dates from the invoice. MasterCard time limits vary depending on the applicable reason code. reason code information. 543 Proper Use of Interregional Message Reason Code 4880. These numeric codes are varied by card network but serve. This can be transaction receipts, proof of. 543 Message Reason Codes for Intra-European and Inter. The problem is, chargeback reason codes are often misleading. Across open networks and include account numbers sent over email, instant messaging, text, or chat. EMV Liability Shift Counterfeit Fraud. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. 3. Chargeback /Dispute; Merchant Response. Why did I receive this chargeback? Mastercard is in the process of updating chargeback management regulations. . The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. The good news is that most of these invalid claims are disputable by the merchant. What is Visa Reason Code 13. Miss to content. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. processed the transaction correctly. MasterCard time limits vary depending on the applicable reason code. Visa Chargeback Reason Code 13. Reason codes are very crucial to assist. The assigned chargeback reason code outlines why a customer submitted the dispute. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Added the following fields - Store ID, Credit Card Chargeback Reason Code. This scenario applies when the arbitration was raised by either the. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. Each card network has its MasterCard reason code 4860. The win rate for this particular reason code is extremely slim because they generally refer to fraud issues. or order no. 4 –. Regardless, merchants must respond to the given reason code. Visa has recently announced changes to its chargeback rules. Last updated: October 15, 2019 . 4 (Other Fraud - Card Absent Environment), which is under the fraud category. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. The way you manage chargebacks depends on your account setup. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. 1 Quick Reference Lead. . For example, the merchant bills the cardholder in installments. 3. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Authorization-Related Chargeback. 1 chargeback: 1. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 120 calendar days after the service was cancelled or the goods were returned; 120 days after credit documentation is issued (day zero is the date published on the document, the date of the merchant’s letter, or the date the issuer received the letter)A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. On xx/xx/xxxx, we received a chargeback under the reason code 11. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. 3: Goods or services were not received: C08: RG: 4855: 13. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionablePlease note that the most common Chargeback reason code for Allocation disputes is 10. Blog. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Chargeback Reason Codes by Industry. Region Only) 4855 Goods or Services Not Provided. The shorthand description is “Chip Liability Shift. Here’s how. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. Specify the default reason code that you want the system to assign when you enter a chargeback amount. 4860: Credit Not Processed 4863: Cardholder Does Not Recognize—Potential Fraud 4870: Chip Liability Shift 4871: Chip/PIN Liability Shift. Chargeback Reason Codes Visa. There are two parts to this. Cardholders must resolve these types of disputes directly with the merchant by requesting a credit to the account. Pre-arbitration gives the acquirer and issuer another chance. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. ) A no-nonsense summary of evidence that proves transaction is legit. What is a chargeback. Mastercard is in the process of updating chargeback management regulations. 10. Once you receive this notification, you have 11 days to submit a response. Values are: Blank: Use the receipt G/L date. Chargeback guide 4 may 2021 620 proper use for. 2 – EMV Liability Shift Non-Counterfeit Fraud. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. To avoid this type of merchant contact, it is very important for the Cardholders to verify the transaction total with the merchant at the time of the transaction. American Express chargeback reason code C42. Visa Chargeback Reason Codes. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 4860: Credit not processed. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Merchants can find a. 2. Visa Reason Code 13. Request receipt without confirming sending. Reason Code Description; 10. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. 6. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. A chargeback is a request for the reversal of a payment made to your business by the customer. With this reason code, the cardholder is claiming that an incorrect installment billing transaction was charged to their account. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. 1. A chargeback happens when a customer requests for a transaction to be reversed. Every chargeback comes with a reason code. Availability. ©Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. 4860 Credit not processed. Example. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. Reason Code. . For defective or “Not as Described” reason codes. 4860: Credit not processed: Cardholder Disputes: 4870: Chip Liability Shift: No Cardholder Authorisation/ Fraud:. Defaults to false. What is a chargeback time limit? The chargeback response. “It’s a lot tougher with Mastercard because they only use four main codes. 4853 Cardholder Dispute. Reason Code: Numeric: Code for the chargeback request (see below). Chargeback Reason Codes Visa. Collect Compelling Evidence. The Merchant Reviews the Partial Chargeback Claim. Each card issuer follows their own standards for defining reason type, code and its format. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. . You can do so easily with reason codes. 4807 – Warning Bulletin File. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. A chargeback happens when a customer requests for a transaction to be reversed. What is a chargeback. Mastercard chargeback reason code 4808 falls under the “Authorization” category. BIO. The terms may be different, but the process remains fairly unchanged. Chargeback prevention strategies vary based on the reason for the. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. American Express is incentivized to keep their customers happy. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Region Only) 4855 Goods or Services Not Provided. The shorthand description is “Credit Not Processed. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. txt) or read book online for free. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Only applicable to reason codes of 4853 and 4860. Notes. . These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. 543 Proper Use for Acquirer’s Second Presentment. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. CHARGEBACK REASON CODES And, Reason Code 85: Credit Not Processed; And for the MasterCard users, the reason codes are: Reason Code 4841: Cancelled Recurring Transaction; Reason Code 4853: Cardholder Dispute – Defective/Not as described; And, Reason Code 4860: Credit Not Processed; These are the reason codes that can help a merchant to manage cancellation and return. Authorization. Using the same link provided above, contact PayPal to report the scam. 542 Issuer Listed in a Mastercard Announcement. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Credit not issued. The cardholder claims they were charged multiple times for a single transaction. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. Time Limit in Calendar Days. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. 4860: Credit Not Processed: 4853: No-Show Hotel Charge : 4853: Addendum Dispute : 4853: Credit Not Processed : 4853: Goods/Services. 2. 4807 – Warning Bulletin File.