How can I identify the real merchant behind a PROVISIONAL CREDIT charge?

Match the credited amount to the specific unauthorized charge or billing dispute claim you filed with your bank. Check your bank's dispute portal or resolution status letter for your case tracking number. Do not close your bank account until the investigation is formally finalized and the credit is declared permanent in writing.

PROVISIONAL CREDIT (Provisional Dispute Credit / Temporary Investigation Credit)

Q: What does PROVISIONAL CREDIT stand for on a bank statement?

PROVISIONAL CREDIT stands for Provisional Dispute Credit / Temporary Investigation Credit. A temporary credit issued to your account balance by your bank while it investigates an error or unauthorized transaction under federal law.

Resumen del cargo

PROVISIONAL CREDIT (Provisional Dispute Credit / Temporary Investigation Credit). A temporary credit issued to your account balance by your bank while it investigates an error or unauthorized transaction under federal law.

Importante: Qué NO es este código

A PROVISIONAL CREDIT is not a confirmed final settlement or merchant refund. It is a temporary statutory credit supplied by your bank while investigating your dispute claim.

Significado de PROVISIONAL CREDIT

Under Regulation E (12 CFR § 1005.11(c)), if a bank cannot complete its investigation into a notice of electronic fund transfer error within 10 business days, it must provisionally credit the consumer's account for the amount of the alleged error (plus interest if applicable) while concluding its investigation.

Provisional credits give you full access to the disputed funds while the bank reviews merchant records and card network evidence (which can take up to 45 or 90 days depending on whether the transaction was foreign, point-of-sale, or on a new account).

If the bank ultimately determines that an error did occur, the provisional credit becomes permanent. If the bank determines no error occurred, it must provide written notice before revoking the credit.

Cómo localizar al comercio real

Paso 1 Match the credited amount to the specific unauthorized charge or billing dispute claim you filed with your bank.
Paso 2 Check your bank's dispute portal or resolution status letter for your case tracking number.
Paso 3 Do not close your bank account until the investigation is formally finalized and the credit is declared permanent in writing.

Formatos habituales en el extracto

PROVISIONAL CREDIT DISPUTE CASE #84920
TEMP CREDIT REG E CLAIM 102938
PROV CR FRAUD INVESTIGATION
PROVISIONAL DISPUTE CREDIT REVERSAL

Fuentes verificadas

CFPB: Regulation E Error Resolution Timeline (12 CFR § 1005.11) https://www.consumerfinance.gov/rules-policy/regulations/1005/11/
Federal Reserve: Consumer Compliance Handbook on Reg E Claims https://www.ecfr.gov/current/title-12/part-1005