Following the retrieval process, the issuer started a good faith investigation, and the merchant accepted liability. A good faith investigation is a dispute that can be initiated well after the standard disputing timeframe has elapsed.
The cardholder learned of the fraudulent charge months or years after the transaction, and the bank agrees to start a Good Faith Investigation.
Good faith investigations can be started up to 2 years after the original transaction. If the merchant accepts liability, the issuer must file a chargeback 30 days after the retrieval request response date.