The cardholder acknowledges they authorized a transaction at a specific location but denies knowledge of other extra transactions at the same location.
Cause
The cardholder may have forgotten they made multiple purchases. Or they are aware of their participation but deliberately deny it.
The merchant made a processing error.
The merchant didn't refund or void multiple transactions.
Response
Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 45 days to respond to the claim in dispute.
Steps to Prevention
Credit or reverse a transaction immediately after you notice you've made a duplicate transaction.
