Payment Dispute Handler

Live. A payment came back or the consumer says it was unauthorized, wrong or charged twice. What to do next.

Handles card chargebacks, ACH returns, stop payments and consumer complaints about a payment. Stops every further debit on a revoked, stopped or unauthorized authorization (Reg E 1005.10(c)); never re-presents an unauthorized return (R05, R07, R10, R11, R29) without a new authorization and allows at most two retries of an insufficient-funds return (Nacha); checks the authorization record and the consumer's copy (1005.10(b)) and charges over the authorized amount without the 10-day notice (1005.10(d)); refunds revoked, duplicate and over-authorized charges and blocks returned-payment fees the agreement or law does not allow (FDCPA 1692f(1)); tells you when to answer a chargeback with evidence; spots debt disputes inside the complaint (1692g(b), Reg F 1006.38, report as disputed under FCRA 623(a)(3)); restores the balance and corrects credit reporting; and keeps your reply free of bad-check or criminal threats (1692e(4), (5), (7)). Amounts and return codes only, never card or bank numbers. Not legal advice.

Price: $0.002 per record after 1,000 free per month.

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