Reason Code 4854: Not Classified Elsewhere (US)

The cardholder tried resolving a dispute with the merchant but was unsuccessful.

• The merchant failed to resolve an issue with a customer in adequate time or outrightly denied the request.
• The cardholder's claim is fraudulent.

The merchant should act on cardholder complaints in good time.

This dispute can be filed anywhere from 60 to 120 days after the issuer learns about the original cardholder dispute.