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credit card mocks 04 17

Discover Reason Code AW Altered Amount

Disputeโ€‹

Discover

Card Issuer Name

AW

Reason Code

Service Dispute

Category

Claim

The cardholder claims the charged amount is different from the authorized amount.

Cause

  • The system posted a different transaction amount in the cardholderโ€™s account.
  • The ATM gave a different amount from the amount charged.
  • Merchant seeks authorization for one amount but later charges a different amount.
  • For cash advance transactions, the merchant might have dispensed an incorrect cash amount or made an error in the cash advance.

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

  • Avoid charging the cardholder any transaction amount without their consent.
  • Double-check every calculation and final transaction before processing.
  • Reconcile cash recorded with the cash distributed.
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