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Discover Reason Code AA Cardholder Does Not Recognize

Disputeโ€‹

Discover

Card Issuer Name

AA

Reason Code

Service Dispute

Category

Claim

The cardholder claims they donโ€™t recognize the charge on their statement.

Cause

  • The buyer forgot about the transaction.
  • The cardholderโ€™s billing statement is wrong.
  • The merchant uses a billing descriptor that the cardholder fails to associate with their business.
  • Friendly fraud.
  • The customerโ€™s family member used their card without their knowledge.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 30 days to respond to the claim in dispute.

Steps to Prevention

  • Have accurate and easily recognizable billing descriptors.
  • Make your return policies easy to understand and access.
  • Use a pre-transaction fraud detection service thatโ€™ll verify the cardholderโ€™s identity and deter criminal activity.
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