Handles billing-error and unauthorized-transaction disputes from intake through network chargeback, enforcing Reg Z/Reg E clocks, provisional credit and evidence collection.
Full spec in reviewSemi-autonomousComplexity: High
The full specification - workflow, tools, guardrails, handoffs and evaluation set - is in review and will replace this page when published.
What it does
Authenticate and capture dispute details, classify by type and network reason code
Check merchant descriptor, delivery and recurring-billing data to resolve friendly-fraud and merchant-credit cases
Issue provisional credit and acknowledgement letters within regulatory deadlines
File and track chargebacks and representments with the network
Escalate complex or first-party-fraud-suspected cases to analysts