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credit card mocks 04 24

Discover Reason Code RN2 Credit Not Received

Disputeโ€‹

Discover

Card Issuer Name

RN2

Reason Code

Service Dispute

Category

Claim

The cardholder claims the merchant promised a refund, but they havenโ€™t processed it yet.

Cause

  • The cardholder rejected the delivery of services and merchandise but hasnโ€™t received a credit.
  • The cardholder returned the merchandise, and the merchant agreed to a refund but hasnโ€™t processed it.
  • The merchant doesnโ€™t give refunds nor accept returns.

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 a clear and easy-to-find cancelation or refund policy.
  • Fulfill the refund and cancelation requests promptly so that they appear on the cardholder’s following statement.
  • If you plan on crediting the cardholder for a smaller amount, notify the cardholder before processing the credit.
  • Don’t accept a return if it’s not in line with your return policy.
  • Explain if you accept returns or follow a limited return policy.
  • Notify the cardholder when you process the credit.
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