The cardholder or authorized user was still in possession and control of all valid cards at the time of the transaction, and the cardholder admits to at least one legitimate face-to-face transaction, on the same card at a given merchant location, but denies making one or more additional face-to-face transactions at that same merchant location.

Respond to the dispute by providing documentation substantiating the cardholder participated in the original transaction and documentation to establish the cardholder is responsible for the additional transaction(s). Proof of card presence and signature for the original transaction, as well as documentation to support that the addendum transaction is the cardholder’s responsibility is important.

• None

Reason code is categorized: Fraud, MasterCard