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Reason Code 4859 - Addendum, No-Show, or ATM Dispute (Europe)

Description

Why did I receive this chargeback?

The cardholder claims not to have received cash or only received a partial amount from an ATM withdrawal.

Time Limit

How long can the issuer wait to file a chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 120 calendar days.

Fight

What compelling evidence is needed to respond?

Proof the correct amount was disbursed to the cardholder

Prevent

How can I avoid this chargeback in the future?

Reconcile ATMs promptly.
Adjust out-of-balance ATMs.
Process a credit as soon as possible if you notice a discrepancy.

Want to check other chargeback reason codes?

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More Mastercard Reason Codes

Fraud

4837 - No Cardholder Authorization

4840 - Fraudulent Processing Of Transactions

4849 - Questionable Merchant Activity - Global Merchant Audit Program (GMAP)

4849 - Questionable Merchant Activity - Mastercard Rule 3.7 Violation for Coercion Claim

4849 - Questionable Merchant Activity - Questionable Merchant Audit Program (QMAP)

4863 - Cardholder Does Not Recognize, Potential Fraud

4870 - EMV Chip Liability Shift

4871 - Chip Liability Shift – Lost / Stolen / Never Received Fraud

Authorization

4807 - Warning Bulletin

4808 - Authorization Chargeback - Cardholder-Activated Terminal (CAT) 3 Device

4808 - Authorization Chargeback - Expired Chargeback Protection Period

4808 - Authorization Chargeback - Multiple Authorization Requests

4808 - Authorization Chargeback - Required Authorization Not Obtained

4812 - Account Number Not On File

Cardholder Dispute

4853 - Cardholder Dispute - Credit Posted as a Purchase

4853 - Cardholder Dispute - Digital Goods Purchase of $25 or Less

4853 - Cardholder Dispute - Goods or Services Not as Described or Defective

4853 - Cardholder Dispute - Goods or Services Not Provided

4853 - Cardholder Dispute - Issuer Dispute of a Recurring Transaction

4853 - Cardholder Dispute - Timeshares

4853 - Cardholder Dispute - "No Show" Hotel Charge

4853 - Cardholder Dispute - Transaction Did Not Complete

4853 - Cardholder Dispute - Addendum Dispute

4853 - Cardholder Dispute - Cardholder Dispute of a Recurring Transaction

4853 - Cardholder Dispute - Counterfeit Goods

4853 - Cardholder Dispute - Credit Not Processed

4855 - Goods or Services Not Provided

4859 - Addendum, No-Show, or ATM Dispute (Europe)

4859 - Addendum, No-Show, or ATM Dispute (Non-European Bank)

4860 - Credit Not Processed

Consumer Disputes