Reason Code AA: Cardholder Does Not Recognize

The cardholder claims they don’t recognize the charge on their statement.

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

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

The card issuer gets 30 extra days to file a chargeback if they submitted a retrieval request which was completed after the 120 days.