UnknownCharges

Banking Fee & Account Adjustment

PROVISIONAL CREDIT (Provisional Dispute Credit / Temporary Investigation Credit)

PROVISIONAL CREDIT
08/05 PROVISIONAL CREDIT DISPUTE CASE #84920 $45.20

要約

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.

重要：このコードが意味しないもの

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.

PROVISIONAL CREDIT の詳細解説

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.

実際の加盟店を特定する方法

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

代表的な明細表記パターン

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

検証ソース