Ironically enough, coding errors are the top-rated concern for hospital reimbursement leaders. Fraud. It is best to use a text editor that can. The cardholder claims they only authorized one transaction but found multiple transactions they didn't authorize after the initial valid transaction. region only) 4855: Goods or. 4853 – Cardholder Dispute/Recurring Billing & Digital Goods** * Requires cardholder’s final bill or receipt. The status assigned to codes paid from the Medicare Physician Fee Schedule (MPFS) can be reviewed on the CMS Physician Fee Schedule Look-Up Tool. This reason code is assigned to consumers wishing to file a chargeback for defective product. The reasons for chargebacks can be due to errors made by the merchant in the submission of their credit card transactions, non-authorized transactions and disputes from cardholders. While technically functional, it is being consolidated into 4853, and therefore should not be used. Missing/incomplete/invalid. The provider billed the NDC code in place of the NDC units. This includes, but is not limited to: • Goods or Services Not Provided • Goods or Services Were Either Not as Described or Defective • Credit Not ProcessedRemittance Advice (RA) Once a claim has been processed, a Remittance Advice (RA) is issued in either Standard Paper Remittance (SPR) or Electronic Remittance Advice (ERA). Elimination of Code 4863 and 4840. Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant. Provide all of the following as relevant compelling evidence: A copy of the transaction receipt; Certification. The actual underlying cause of. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Three different sets of codes are used on an RA: reason. Read this complete California Code, Business and Professions Code - BPC § 4853. Code 41 — Lost card, pick up (fraud account): The real owner reported this card as lost or stolen, and the card issuer has blocked the transaction. 4853 "No Show" Hotel Charge. Dispute Code. Background . CO-15. 6: Credit not processed: MasterCard Dispute Reason Code 4837: No cardholder authorization: MasterCard Dispute Reason Code 4853: Not as described or defective merchandise: MasterCard Dispute Reason Code 4855: Non-receipt of merchandise: MasterCard. Updated over a week ago. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. message. 3: Other Fraud — Card Present Environment:. Three different sets of codes are used on an RA: reason. g. Please verify the status of the code you are researching with the state legislature or via Westlaw before relying on it for your legal needs. 4853: Canceled recurring transaction. 4853. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Tip #1: Educate Your Team. 3257. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Value Codes 16, 41, and 42 should not be billed conditional. this is a duplicate claim billed by the same provider. 2. (6) Forward all requests through the chain of command for endorsement. Some examples of provider -level adjustments include: • An increase in payment for interest due as a result of late payment of a claim by MedicareMCC 4411—Cruise Lines. Clearly and concisely communicate your terms and conditions for. gba01. However, the 30 day waiting period can be waived if you’ve. Code: 40315. 5. 5/20/2018. One assigned parking space. 6. Reason Code 115: ESRD network support adjustment. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Goods or Services Not Provided. S. All but two fall under Mastercard chargeback reason code 4853 (Cardholder Disputes): Reason Code 4808 Authorization-Related Chargeback Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. 6 on Westlaw FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Submit Cancel. Reason code 4853 refers to the broad category “Cardholder Dispute. generic reason statement. # Mastercard | # ReasonCodes | # Chargebacks the details, the cause, how to respond and how to prevent Mastercard Reason Code 4853 No-Show Hotel Charge . 20 and 18. Invalid reason code for UCAF Transaction. Train your staff so the guest won’t accidentally be charged a no-show fee if the accomodations were used or you offered alternate accommodations. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less . SCC PACS. 818. 246 5. Mastercard Reason Code 4853/No-Show involves allegations that a hotel (or additional lodging) unfairly charged ampere "no-show" fee to aforementioned cardholder's account. OA A1 Claim/Service denied. AReceipt WO PO (FOI) - reason for movement "243" Part found on installation (FOI) or Excess. Learn the details, the cause,. Chargeback reason code 4853: Transaction Did Not Complete refers to a situation where the customer is claiming that the product or service purchased was never received or used. 8 about charges for loss, theft, or damage. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize —Potential. Address of the Beneficiary is not provided in the SCT transaction. 3 Co-payment amount. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Reason Code. ce060 denied: resubmit with asa anesthesia code dn 16 n657 ce050 denied:service code is non covered dn 96 n643 ce220 injury sequela codes cannot be primary/principal diagnosis dn 16 ma63 ndcyy denied: submitted ndc code expired-based on cms/fdb database co 16 m119 ndczz denied: required ndc code is missing. . Whenever the Record Status Condition shows a Suspense In Process (SIP), any of the following Suspense Reason Codes and Destination Codes. #Mastercard |. Cardholders can file disputes starting from the transaction date, or the merchandise delivery date, service cancellation date, or when the services were ended. Resolution: When submitting an adjustment (XX7) or a cancel (XX8), a Claim Change Reason Code is required. Reason Code 11: The date of birth follows the date of service. Too complicated / too many steps. Reason Code 116: Benefit maximum for this time period or occurrence has been reached. The adjustment (type of bill XX7, or XX8) or reopening request (type of bill XXQ) does not include a claim change reason code. Note: Mastercard has discontinued the use of reason code 4855, merging it into code 4853. 4853: Credit posted. 4807 Warning Bulletin. Views: Cybersource transaction responses will contain either reason codes or reply flags, depending upon the integration method employed. 4853: Addendum dispute or “no-show” hotel charge was billed. 4853 - Cardholder Dispute; How to Respond. The cardholder claims their account was debited instead of credited. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Well user 1298264, this is why . Claim Remark Codes are a processing audit trail of the systematic and manual handling of the claim. 9, Section 4853. The ANSI reason codes were designed to replace the large number of different codes used by health payers in this country, and to relieve the burden of medical providers to interpret each of the different coding systems. Review your records for any wrongfully collected coinsurance. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Addendum Dispute / Dispute Code. Procedure code was invalid on the date of service. Choose only one of the following codes that best describes the adjustment request. CO-22. See full list on chargebacks911. Cardholder. ” In general, this means the cardholder was not happy with a purchase and blames the merchant. Toggle sub menu. View common reasons for Reason 234 and Remark Code N20 denials, the next steps to correct such a denial, and how to avoid it in the future. deros-change-disapproval reason codes [req-deros-rs] [lst-deros-rs-ya] duty command level codes duty status codes [ds] duty status flag codes functional category codes [fc] hyt-waiver-reason codes [hyt] join spouse assignment intent codes [int]. California Code, Penal Code - PEN § 4853. 3 is the less common version for card-present transactions. 4853 — Cardholder Dispute The cardholder disputes the transaction if the wrong merchandise arrives or if they received a defective product. Each chargeback is disputed by a specific reason code. B70 – Death, Battle Casualty – Navy B79 – Death, Battle Casualty – Navy BDK – Security. . Reason codes often change or are removed by the card brands. 21. Secondary payment cannot be considered without the identity of or payment information from the primary payer. In situations where reason code 4860 would have applied, issuers have been instructed to use reason code 4853 instead. This reason code is assigned to consumers wishing to file a chargeback for defective product. Proof you have already refunded the transaction and credited the cardholder’s account. Notes. 10. claim adjustment reason code (carc) displayed on remittance advice (ra) generic denial code. Applies to Reason Codes. Eliminating the reason codes at the beginning of the list may result in the reason codes at the end of the list being corrected as well. An RA provides finalized claim details and contains explanatory claim processing message codes. Reason Code 4853 - Goods or Services Not Provided Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Goods or Services Not Provided Dispute. CO125 Payment adjusted due to a submission/billing error(s). Throughout the manual, you will be directed to the National Uniform Billing Committee (NUBC) for specific claim data, such as condition codes and occurrence codes. Learning about each of the chargeback reason codes can help you dispute them. SHUTDOWN. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. List and additional information about all reason codes by card brand. June 22, 2023. 9902 of Title 5 United States Code (USC), which codified section 1113 of the National Defense Authorization Act of 2010 (NDAA 2010), and section 412. 30. Support; Login. Acquirer Use of Message Reason Code 7623. 030 Chart 5-Suspense Reason Codes; 30. Enter the clearing document number 200004, company code, fiscal year and press save. Global Operations Bulletin No. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. 4 applies to eCommerce, whereas code 10. 4 applies to eCommerce, whereas code 10. X12 produces three types of documents to facilitate consistency across implementations of its work. Proof you adhered to Mastercard’s Transaction Processing Rules section 3. This reason code is transitioning from the legacy code 4860. CARC and RARC code sets are updated three times a year on a regular basis. 4853: Cardholder disputes This reason code for Mastercard contains a lot of different varieties of cardholder disputes. These codes are listed within an X12 implementation guide (TR3) and maintained by X12. Lodging Reimbursement Rules (Key Extracts) If: Then: a traveler does not use the available ILP lodging at the site, the traveler is limited to what the Government would have paidACH return codes and explanations for R01 – R33 returns. Below are some examples of more common reason codes. Mastercard Chargeback Code Description; 4802: Requested/Required Information Illegible or Missing: 4807: Warning Bulletin File: 4808: Requested/Required Authorization Not Obtained: 4812:. Missing/incomplete/invalid. Cardholder claims the merchant continued to bill the card after a recurring transaction was cancelled, or without explicit consent from the cardholder. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Under the standard format, only the remark codes approved by CMS are printed in this field. Universal Citation: CA Fam Code § 4053 (2022) 4053. Please verify the status of the code you are researching with the state legislature or via Westlaw before relying on it for your legal needs. It could apply. Value code 13 and value code 12 or 43 cannot be billed on the same claim. Response. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. ; person: includes a corporation as well as a natural person. Other. Patient Account Number and Participant DCN are also included for additional cross-referencing. Reason Code 13: Claim/service lacks information which is needed for adjudication. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 4853: Cardholder Dispute—Defective Merchandise/Not as Described: 4854: Cardholder Dispute—Not Elsewhere Classified (U. Out of $200, Insurance allowed $160 as per the contract and paid. The only time a claim will not have an adjustment reason code is when the payment amount is equal to the billed amount. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. Related CR Release Date: March 11, 2021 . Claim level reason code appliable to a 13X or 14X TOB. Reason Code 12: The authorization number is missing, invalid, or does not apply to the billed services or provider. . About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This obligation is to be met regardless of whether the VC 44 is applicable to the claim. 12. Direct Data Entry (DDE) system users can find the definition of any reason code by using shortcut (SC) 56. Card networks send these codes to merchants to indicate why a chargeback has been filed. For example, using code E1399 when the item provided doesn’t match an established HCPCS code triggers the N350 remark code. 4853. Primary Payer Code = D. Generally, lead agency staff does not enter the reason codes below on a service agreement. The codes also appear on financial reporting associated with disputes. Reason Code List. 15: Workers Compensation (WC). For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express Reason Code 4853 - Digital Goods Purchase of $25 or Less. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. " In addition, the industry code under NAICS expanded to six. Mastercard /. Replaced Chapter 5—Arbitration Procedures, with Chapter 4—Arbitration CaseReason Code 4860 is considered a legacy code. The reason and remark code sets must be used to report payment adjustments in remittance advice transactions. 3? Chargeback reason code 13. Admission Denial - Technical Denial (Peer Review Organization (PRO) Review Code - A)Zip code Please enter a valid zip code. You have to execute the synchronization Jobs in order to make the FF IDs available in GRC Box for selection:If billing value codes 15 or 47 and the benefits are exhausted please contact the BCRC to update the records and bill primary. Response. Cardholder dispute of a recurring transaction – cardholder believes he or she has canceled a recurring transaction and shouldn't receive a bill;Mastercard 4853 – Cardholder dispute. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant. To view your pipeline definition on the screen using the CLI: aws datapipeline --get-pipeline-definition --pipeline-id df-EXAMPLE_PIPELINE_ID. 5. Worker protection. CO 18 — Duplicate Claim. Claim. In theory, the reason code will pinpoint why the cardholder is disputing the transaction. Allow an additional 15-30 days for UnitedHealthcare to receive and process the crossover claim. The certificate of registration shall be on a form prescribed in accordance with Section 164. Dispute Code. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Mastercard Reason Code 4853/No-Show implies claims that a hotel (or other lodging) unfairly charged a "no-show" fe on the cardholder's account. Mastercard reason code 4853 can be used to indicate disputes where the cardholder feels that the actual merchandise received (or service provided) differs drastically from the written or verbal description provided at the time of purchase. A chargeback is an adjustment to a merchant's account from a previous sales transaction. Choose only one of the following codes that best describes the adjustment request. This care may be covered by another payer per coordination of benefits. reason code information. 246 5. 1, 5. FB link Print Email. Group codes must be entered with all reason code (s) to establish financial liability for the amount of the adjustment or to identify a post-initial-adjudication adjustment. . The list of remark codes is available on the X12 Remittance Advice Remark Codes webpage. If filing for a Conditional Payment, report with Occurrence Code 24. Fulfill all qualified cancellation requests promptly. In 2021, HealthCare. At leastRequires OC 01 or 02 with date of accident/injury. It also occurs when. 8 Original Credit Transaction Not Accepted. One reason is they are generally faxed or mailed, which when coupled with response deadlines to the issuer, can make it difficult in recouping lost revenue. Remittance Advice (RA) Once a claim has been processed, a Remittance Advice (RA) is issued in either Standard Paper Remittance (SPR) or Electronic Remittance Advice (ERA). Enter a number to find the person connected to it. Common Denial Codes in Medical Billing. Claims should not be sent to UnitedHealthcare that were crossed over by Medicare, as denoted by code MA-18 on the EOB. CO-18. You either charged the cardholder when you shouldn’t have or didn’t tell the cardholder about the “no-show” fee before finalizing the reservation. This includes, but is not limited to: • Goods or Services Not Provided • Goods or Services Were Either Not as Described or Defective • Credit Not ProcessedMerchants who believe they have received an invalid chargeback below reason code 4853 may can able in represent the transaction and reverse the chargeback with the right compelling evidence. Reason Code 10: The date of death precedes the date of service. The merchant shipped merchandise that wasn't what they claimed to be. Issuers are currently allowed to use reason code 4841, however, this code will soon be eliminate. We would like to show you a description here but the site won’t allow us. 6. Tips to Avoid Denials. 246 5. 5. 4853. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. 9, 1 September 2016. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. com (916) 673-4602 Healthy Families questions should be directed to the e-mail address shown above. Below are some examples of more common reason codes. 42 U. 4853: Goods not as described/defective. 4853. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. Reason Code Description; 4853: Services not provided/Merchandise not received. 000 Introduction; 21. Code Number Remark Code Reason for Denial 1 Deductible amount. 085 Stickers Only (VC §§4457 and 4853) Chapter 21: Special Plates. Mastercard /. Then, click button. May 19, 2023. Reason Code 4853 - Transaction Did Not Complete Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Transaction Did Not Complete Dispute Code. 4853 – Cardholder Dispute – Addendum Dispute. C. California Code, Business and Professions Code - BPC § 4853. ca remark"' . Here's a list of all the current Visa reason codes: Chargeback Code. Learn More about MasterCard Chargeback Reason Code 4860: Cardholder Disputes Chargeback reason codes identify the general reason behind a chargeback. Documentation must be a direct result of cardholder communication. 10. should respond to the debtor agent (ordering bank) with a MT196 with the code word PTNA - “Past To Next Agent” when the cancellation has been forwarded to the next agent in the payment chain. 400: THIS WAS SUBMITTED ON THE WRONG FORM. Below you’ll find the list of each followed. 4853: Issuer Dispute of a Recurring Transaction: 4853: Goods or Services Not Provided: 4853: No-Show Hotel Charge: 4853: Addendum Dispute: 4853: Credit Not Processed:Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. 6. This umbrella category can be applied to multiple specific situations, many of which had their own specific codes at one time. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. 4853 Cardholder Dispute of a Recurring Transaction; 4853 Goods or Services Not Provided; 4853 No-Show Hotel Charge. In other words, out of 291. This reason code indicates that the cardholder is disputing the transaction as a duplicate charge. Code (USC), to administer, train, and maintain Army Reserve organizations. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Trace ID: 0b55f402-4f76-4b95-a7d3-99ce2be30800 Correlation ID:. It will be incorporated into code 4853. ” Mastercard has retired this reason code, but it was used when the cardholder claimed they never received a refund or credit the merchant promised them. 100007: 400* INVALID_REQUEST: RECORD NOT FOUND - CHECK SETTLEMENT DATE AND SWCH SER NO: 100007: 400* INVALID_REQUEST: Chargeback allowed only after representment with reason code 02: 100007: 400* INVALID_REQUEST: Reason code 37 is not. Below are some examples of more common reason codes. Clearly explain your cancellation and no-show policy, and have the cardholder agree to the terms before finalizing the reservation. 4853 – Cardholder Dispute – Credit Not Processed . In all cases in which a full pardon has been granted by the Governor of this state or will hereafter be granted by the Governor to a person convicted of an offense to which the pardon applies, it shall operate to restore to the convicted person, all the rights, privileges, and franchises of which he or. Summary of Changes, 13 December 2018Consumer Disputes (Codes 4853 - 4855) Consumer disputes occur when a cardholder disputes a charge for a valid reason, such as receiving a damaged or defective product. Browse area code 978 phone numbers, prefixes and exchanges. The shorthand description is “Authorization-Related Chargeback. message. When this occurs, Moneris will send the merchant a "Sales Draft Request" or. Fulfill all qualified cancellation requests promptly. 4846. Reason Code 12. Reason code of 370 901 Good Return (GR) - Turn in to SSA Created when you conduct a turn in to the SSARule 9); changes ADSC Reason Code to 17 for Air Weapons Officer Initial Qualification Training Course (AWACS) (Table 1. Technical Reports. Maria Mulgrew. 6 falls under the “Processing Errors” category. Reason Codes. 246 5. Mastercard Reason Code 4853/No-Show involves claims that a choose (or other lodging) wrongly charged a "no-show" fee to the cardholder's account. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. This chargeback will include a description that provides additional information: Who most comprehensive guide into chargeback reason codes. Conviction: A judgement of guilt against a criminal defendant. 004. They. S. territories. Prevention Steps This code, while currently functional, is being consolidated into 4853 and therefore should not be used. . Reason Code. What is the reason for your feedback? Easy to understand. ©Chargeback Code Chargeback Reason; 10. Service Review Decision Reason Codes. Credit Posted as a Purchase chargebacks, for example, at. This might mean that the merchant submitted a batch of identical transactions more. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 6. When I created a conditional column, I got an errorJuly 13, 2020. Mastercard chargeback reason code 4853: Transaction Did Not Complete is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. This. 99381 coded when patient's age younger than 1 year. 3 Incorrect Currency. Chargeback Reason Codes /. for chargeback reason code 4863 (Cardholder Does Not Recognize). EMV Liability Shift Non-Counterfeit Fraud. CO-29. Region Only) 4855: Non-receipt of Merchandise:Code 10. Payout party/account BIC/Swift invalid. 1. Amount of funds available to cover specified message amount is insufficient. Medical Necessity Acute IP 30%. 2 Coinsurance amount. Cole@dhcs. Chargeback Rebuttal Letter Samples. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. American National Standard Institute (ANSI) codes are used to explain the adjudication of a claim and are the CMS approved ANSI messages. The top concerns for claim denials are as follows: Coding 32%. Under HIPAA, all payers, including Medicare, are required to use reason and remark codes approved by X12 recognized code set maintainers instead of7 people found this answer helpful. Know your stress levels @WHOOP #stress ad . An item that does not have a PO. VCR Dispute Reason Code 13. While the format of chargeback reason codes. Cardholder Dispute. Adjustment Reason Codes. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. That is where Claim Adjustment Reason Code (CARC) 23 applies. Thus, the merchant is at fault for the. Control Code (LCC) A. California, Hawaii, Nevada, American Samoa, Guam, Northern Mariana IslandsContains claim Remark Code information for the corresponding Internal Control Number. Mastercard Merchant Official Documentation. ) which have not been provided after the payer has made a follow-up request for the information The complete list of codes for reporting the reasons for denials can be found in the X12 Claim Adjustment Reason Code set, referenced in the in the Health Care Claim. . Link to information about the code system - including how to obtain the content. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. At least one Remark Code must be provided (may be comprised of either the Remittance Advice Remark Code or NCPDP Reject Reason Code. Remark Code: N210: Alert: You may appeal this decision . If you have static documents, such as terms. and franchises of which he or she has been deprived in consequence of that conviction or by reason of any matter involved therein; provided, that nothing herein contained shall abridge or impair. 4853:Goods or Services Were Either Not as Described or Defective; 4853:Goods or Services Not Provided; 4853: Cardholder Dispute of a Recurring Transaction.