4853: Goods not as described/defective. When necessary, an additional message will be provided along with the. The issuing bank received a claim from the cardholder that merchandise or services ordered were not received or that the order was cancelled due to the delay in the delivery of merchandise or services. 4853: Purchase transaction did not complete. Chargeback Reason Codes /. remittance advice remark code list. Applies to Reason Codes. 4853 — Cardholder Dispute The cardholder disputes the transaction if the wrong merchandise arrives or if they received a defective product. In claims featuring a 4853 reason code, one of the possible causes is “Counterfeit Goods. A customer may file a chargeback if they stopped recurring billing (cancelled a subscription or membership) in their account, but the merchant was still charging the customer’s card. Back Submit SubmitArbitration Chargeback/1442 Message - MasterCardUnless the acquirer’s second presentment successfully remedies the chargeback,nomorethan60daysafterinitiatingthechargeback,MasterCard recommends that the issuer. While the format of chargeback reason codes varies depending on the card network, all codes are alphanumeric. 4853: Purchase transaction did not complete. 5. View the most common claim submission errors below. Alex Leigh’s Post Alex Leigh Co-founder at Total Processing 1mo#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Alex Leigh’s Post Alex Leigh Co-founder at Total Processing 7mo#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Chargeback Guide (PDF) - MasterCardPartner with us 🫱🏻🫲🏼 We can help deliver a frictionless e-Commerce payment experience to your clients. . Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. Linda finds it difficult to use the product as decides to dispute the transaction in the hope of winning the chargeback under the Reason Code 4853: Not as Described or Defective Merchandise. Login to YUMPU News Login to YUMPU Publishing#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Alex Leigh’s Post Alex Leigh Co-founder at Total Processing 6mo#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Chargeback Guide (PDF) - MasterCard#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Summary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. Reason Code: Description: 17: Cash Dispute-ATM Only: 30: Cardholder Disputed Amount (U. Chargeback Rebuttal Letter Samples. for chargeback reason code 4863 (Cardholder Does Not Recognize). 4853 Cardholder Dispute. The reasons for chargebacks can be due to errors made by the merchant in the submission of their credit card transactions, non-authorized transactions and disputes from cardholders. In the Add to ruleset list, click a ruleset name and version. Proof you have already refunded the transaction and credited the. Merchants who receive a chargeback for a transaction placed with a Mastercard card may encounter reason code 4853, which indicates a disputed transaction that the cardholder does not believe they should be responsible for paying. 4853. Self publishing . The merchant shipped merchandise that wasn't what they claimed to be. Login to YUMPU News Login to YUMPU Publishing#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Chargebacks are a common occurrence in the credit card industry, and they can be a source of frustration for merchants. The card issuer must wait at least 30 calendar days from the date the cardholder returned the merchandise, before charging back the transaction. While technically functional, it is being consolidated into 4853, and therefore should not be used. eCommerce. Field Description Europe Region Operations Bulletin No. Login to YUMPU News Login to YUMPU PublishingArbitration Chargeback/1442 Message - MasterCardHello 🇬🇧CLOSE TRY ADFREE ; Self publishing ; DiscoverSummary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. Reason Code 4853. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 9. Learn whose strategies to use as she fight and prevent end. Dispute Code. 4853: Credit posted. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 4, B. 4853: Canceled recurring transaction. Here's a list of all the current Visa reason codes: Chargeback Code. Make sure qualified cancellation and non-renewal requests are fulfilled promptly. Visa chargeback reason codes. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize —Potential. Verify that you handle the response correctly. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. MasterCard Chargeback Reason Codes. #insurance #insurtech #paymentsinnovation Jason Clinton…Ăn mòn đối với các kim loại: đang được dịch, vui lòng đợi. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective; American Express Reason Code C05 – Goods/Services Canceled; However, some reason codes are highly specific and apply only to a certain type of product, such as: Visa Reason Code 13. . Note: Mastercard has discontinued the use of reason code 4859, merging it into code 4853. 4853 General Defective/Not as Described; 4853 Goods or Services Were Either Not as Described or Defective;Mastercard is in the process of updating chargeback management regulations. eCommerce. Code 4853: Defective Merchandise or Services 5. 5, B. This can be the result of intentional merchant fraud, but it is more likely to be an honest mistake. Mastercard 4853 – Cardholder dispute. California Code, Vehicle Code - VEH § 4853. The code. Global Operations Bulletin No. . 246 5. Mastercard is in the process of updating chargeback management regulations. In each case use the supplied card number with a prefix of RRC- as the orderId. 4853: Counterfeit merchandise. The payment type was selected as one card type (e. This screen contains a list of the reason codes. Chargeback reason code 4853/Credit Not Processed applies to situations where customers claim they are owed a refund or other credit that has not appeared, but do not feel the issue being resolved by the merchant. 2. And customers file ‘Product Unacceptable’ Shopify payment chargebacks when they feel the goods they received either came damaged, was defective, or was not as described by. 5. Visa Chargeback Reason Codes. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. Steps to Prevention. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. In the Dev Studio header search field, search for and open the reason code for which you want to configure documents. They shouldn't exceed 540 days from the transaction date. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Virtual Terminal. Merchants should confirm complete transactions via email or text. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Login to YUMPU News Login to YUMPU PublishingChargeback Guide (PDF) - MasterCard4853 Addendum Dispute . For a no-show reason code to apply. 53: Not as Described or Defective Merchandise . The chargeback amount for Reason Code 53 and 4853 chargebacks is limited to the amount of the returned merchandise or canceled service and it may include shipping and handling fees. 4841. 4853 Cardholder Dispute. 914. 6 falls under the “Processing Errors” category. 5 Miscellaneous editorial changes ThroughoutSwift Code / BIC does not exist - SEPA/Giro/Direct Debit. Mastercard Reason. The chargeback timeline can be based on one of three start dates. Cardholder Disputes. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. Display the total transaction amount for all pending purchases and obtain cardholder confirmation. Reason Code Description; 4853: Services not provided/Merchandise not received. 1, 5. [MasterCard Reason Codes 4853, 4855, 4859;. 4853: Cardholder disputes This reason code for Mastercard contains a lot of different varieties of cardholder disputes. g. It will be incorporated into code 4853. The issuer must let at least 15 calendar days pass before initiating a dispute unless the. . 4853 – Cardholder Dispute – Counterfeit Goods. Chargeback Reason Codes /. Credit Posted as a Purchase chargebacks, for example, at. 4853 - Cardholder. Is there a time limit to initiate a dispute? Discover Card does not impose a time limit. Cardholder Dispute. Canceled recurring transaction. Payout party/account BIC/Swift invalid. 4853: Canceled recurring transaction. Cardholder Dispute. A chargeback is an adjustment to a merchant's account from a previous sales transaction. . 2 | Mastercard Reason Code 4853. Pick Up Card. Ready to see MidMetrics™ in action. Back Submit SubmitArbitration Chargeback/1442 Message - MasterCard. (These code lists were previously published by Washington Publishing. These reason codes are used when a customer claims that you continued to charge them after they canceled a subscription. Select the Reason or Remark code link below to review supplier solutions to the denial and/or how to avoid the same denial in the future. This code list is used by reference in the ASC X12 N transaction 835 (Health Care Claim Payment/Advice) version 004010A1 Implementation Guide (IG). These codes are established by the payment brands to categorize the incoming dispute requests by reason. It’s a good idea, but Mastercard’s new reason. CODE. In the Apply to field, enter the appropriate class name. Chargeback Message Reason Code 4901. Cause. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Field Description Europe Region Operations Bulletin No. 13. Reason code 4853 indicates the broad category “Cardholder Disputes,” meaning the legitimate cardholder has contacted the bank claiming that something is wrong with a. Since the messages are subject to change at any time, you. 4853: Addendum dispute or “no-show” hotel charge was billed. Legacy. Reason Code 4853. 4853: Credit not processed. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Back SubmitThese types of chargebacks are listed with the following reason codes: MasterCard Reason Code 4853: Cardholder Dispute — Defective Merchandise / Not as Described. 246 5. Web I'm Super Frustrated With Booking. Claim. Global Operations Bulletin No. 4853. Mastercard /. It covers most non-fraud claims the cardholder might make. 4859 Addendum, No-show, or ATM Dispute. Every purchase process should time out after a specific period of inactivity. Chargeback Message Reason Code 4901. 6. . 5, B. In all cases in which a full pardon has been granted by the Governor of this state or will hereafter be granted by the Governor to a person convicted of an offense to which the pardon applies, it shall operate to restore to the convicted person, all the rights, privileges, and franchises of which he or she has been deprived in consequence of that conviction. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize —Potential. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. Reason Code. Europe Region Operations Bulletin No. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Merchants who receive a chargeback for a transaction placed with a Mastercard card may encounter reason code 4853, which indicates a disputed transaction that the cardholder does not believe they should be responsible for paying. Self publishing . Don’t waste valuable resources on inefficient management strategies. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize —Potential. VISA. The issuing bank received a claim from the cardholder that merchandise or services ordered were not received or that the order was cancelled due to the delay in the delivery of merchandise or services. 4853: Cardholder Dispute: 4850: Installment Billing Dispute: List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following: Reason codes in Maestro. 4853: Addendum dispute or “no-show” hotel charge was billed. Visa Reason Code 13. For more information about chargebacks filed with this reasoning, please see reason code 4853, subcategory Credit Not Processed. The tables below include the reason codes you might receive when a dispute occurs. 6. . The sales receipt and/or date and amount of the authorization if other than the transaction date. These include: Visa Reason Code 13. 4853: Cardholder Dispute of a Recurring Transaction: 4853: Goods or Services Not Provided: 4853: No-Show Hotel Charge: 4853: Addendum Dispute: 4853: Credit Not Processed: 4853: Goods/Services not as Described or Defective: 4853: Digital Goods $25 or less: 4853: Counterfeit Goods: 4853: Transaction Did Not Complete: 4853: Credit Posted as a. A chargeback is the reversal of a previously cleared transaction; the cardholder’s account is credited with the amount of the sale and the merchant’s account is debited. 4) allows you to withdraw a plea of guilty or no contest, to re-enter a plea of not guilty, and to have the criminal case dismissed. 9. 4853: Addendum dispute or “no-show” hotel charge was billed. 4853. Chargeback reason code 4853 can be used to indicate cases involving hotels or other temporary lodging establishments where a customer claims that the hotel charged an undeserved fee to the cardholder’s bill. 1. 6. 6. Reason Code 4853 - Transaction Did Not Complete Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Transaction Did Not Complete Dispute Code. PCI DSS v3. 9, September 2015 Updates to 3. ” In general, this means the cardholder was not happy with a purchase and blames the merchant. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. 6: Credit not processed: MasterCard Dispute Reason Code 4837: No cardholder authorization: MasterCard Dispute Reason Code 4853: Not as described or defective merchandise: MasterCard Dispute Reason Code 4855: Non-receipt of. . 4853: Canceled recurring transaction. Reason code 4853 refers to the broad category “Cardholder Dispute. 5, 16 May 2016. Mastercard. . – This response is only returned if the enhanced cancel button functionality is enabled within the Hosted Paypage configuration. © The chargeback timeline can be based on one of three start dates. This is the big one. VCR Dispute Reason Code 13. Replace reactive solutions with a proactive approach to experience. 6. Can Reason Code 4859 Chargebacks Be Prevented? Reason Code 4859 was a favorite of friendly fraudsters, possibly because the claims are so easy to make. Description of Change Where to Look Corrected the calendar days for the AuThe adjustment (type of bill XX7, or XX8) or reopening request (type of bill XXQ) does not include a claim change reason code. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. To avoid. Learn more in our Cookie Policy. 4853: Purchase transaction did not complete. This reason code is transitioning from the legacy code 4855. These codes are not returned in the cnpAPI response messages, but are visible in iQ on the Direct Debit Returns Received report, as well as the Payment Detail screen and the. Chargeback Message Reason Code 4901. Web mastercard reason code 4853: Web up to 6% cash back as with agoda collect bookings, you can also refer to ycs reports >. Most Common Causes The merchant: Sent the wrong merchandise or didn’t satisfy the customer’s need Did not send the goods/service by the agreed delivery date. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Category. The reason code can also help your business identify its most prominent chargeback reasons and formulate a plan to fix the issue. In the event of alleged criminal fraud or merchant error, the code returned with the transaction identifies the reason behind the chargeback, potentially exposing faults in the merchant’s processes. Merchant refuses as the policy doesn’t accept returns after 30 days. 4, B. When necessary, an additional message will be provided along with the reason code to inform the merchant which particular claim applies. Reason Code Description; 4853: Services not provided/Merchandise not received. 5, B. Login to YUMPU News Login to YUMPU PublishingArbitration Chargeback/1442 Message - MasterCardReport this post Report Report. Acquirer Use of Message Reason Code 7623. Replaced Chapter 5—Arbitration Procedures, with Chapter 4—Arbitration CaseFulfill all qualified cancellation requests promptly. The implication is that the merchant failed to put adequate purchase controls on the account when it was set up. Switch to Visa MasterCard American Express Discover. Reason Code Description; 4853: Services not provided/Merchandise not received. This reason code is assigned to consumers wishing to file a chargeback for defective product. Reason Code. It will be incorporated into code 4853. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 4853: Counterfeit merchandise. 5. Canadian Gateways using Chase Paymentech. 6. “Credit Not Processed” chargebacks should now be filed under Reason Code 4853. When customers are unhappy with a transaction, but cannot resolve the situation through the merchant, the cardholder. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Those reasons codes are returned by the issuers/card schemes and mapped to different dispute reason categories. Shift (Reason Code 4871) section. Mastercard /. Below you’ll find the list of each followed by why. the date the goods were returned. To test Response Codes and Messages: Submit transactions using the data in Table 2-14. Replaced Chapter 5—Arbitration Procedures, with Chapter 4—Arbitration Casemay be used only for non–fraud-related disputes using message reason<br /> codes 4831, 4841, 4846, 4853, 4854, 4855, 4859, and 4860. ” Reason code Description; 4853: Cardholder Dispute of a Recurring Transaction: 4853: Goods or Services Not Provided: 4853: No-Show Hotel Charge: 4853: Addendum Dispute: 4853: Credit Not Processed: 4853: Goods/Services not as Described or Defective: 4853: Digital Goods $25 or less: 4853: Counterfeit Goods: 4853: Transaction Did Not Complete: 4853. Issuers are currently allowed to use reason code 4860, however, this code will soon be eliminate. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. 4853: Credit not processed. Notes. 4 – Counterfeit Merchandise, which applies only to physical products. Such requests can be received up to 180 days from the date of the transaction and in some circumstances beyond 180 days. Type: objectDomain: auditEvent: dispute_status_changeVersion: 2 / Style the tab /. (Reason Code 4853). It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). It also occurs when. Reason Codes. 4853:. 3. The chargeback reason code is 13. (a) The department may issue one or more stickers, tabs, or other suitable devices in lieu of the license plates provided for under this code. Provide all of the following as relevant compelling evidence: A copy of the transaction receipt; Certification confirming that Dynamic Currency Conversion was chosen by the cardholder and not by the merchant; DCC Unknown/Refused Applies to Reason Codes. 12. Response. Reason code 4853 - Cardholder Dispute – Not as Described; Reason code 4855 - Services Not Provided/Merchandise not Received; Reason code 4857 - Card-Activated Telephone Transaction; Reason code 4859 - Services Not Rendered; Reason code 4860 - Credit Not Processed; Reason code 4863 - Cardholder Does Not Recognize- Potential. 1 Last Updated 04-04-18 Paysafe Group Limited…This event occurs when a dispute or dispute installment is created. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. The cardholder didn't use the service or merchandise as they thought the transaction didn't process. Cardholder Dispute: Digital Goods Purchase of USD 25 or Less / “No-Show” Hotel Charge. Consumer Disputes (Codes 4853 - 4855) Consumer disputes occur when a cardholder disputes a charge for a valid reason, such as receiving a damaged or defective product. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020 > Acquirer Reference Data (ARD) Does Not Match or is Invalid Update section, row 18 (Merchant Type) Appendix F Transaction Identification Requirements > Payment Transactions Summary of Changes, 16 July 2020 ©1988–2020 Mastercard. Mastercard 4853 – Cardholder dispute. Reason Code. 9, 1 September 2016. . 4853: Canceled recurring transaction. Reason Code 4853 - Goods or Services Not as Described or Defective Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Goods or Services Not as. Login to YUMPU News Login to YUMPU PublishingViews: Cybersource transaction responses will contain either reason codes or reply flags, depending upon the integration method employed. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. Hello 🇬🇧Arbitration Chargeback/1442 Message - MasterCard#288. The code can be used in multiple specific. . 10. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. DESCRIPTION Why did I receive this chargeback? The cardholder claims a credit is due, but you haven’t acknowledged the request or refuse to comply. 2 Incorrect Transaction Code. Chapter 3: Chargeback Reason Codes Guide; Section 4: American Express Chargeback Purpose Codes; Chapter 5: Mastercard Chargeback Cause Codes; Chapter 6: Visa Chargeback Base Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter. The site will display a list of people who may be related to the person. 6. . Proof you have already refunded the transaction and credited the cardholder’s account. 6. Visa chargeback reason code 12. Mastercard. For time limits and evidence requirements, consult our detailed article on Reason Code 4853 — No-Show Hotel Charge or Reason Code 4853 — Addendum Dispute. 2 and 4853 – credit posted as debit. Mastercard Reason Code 4853 – “No Show” Hotel Charge, which applies only to lodging reservations. 4853 Timeshares . S. They are instead assessed on a case-by-case basis by their affiliated banks. (Reason Code 4853). 12. . Documentation must be a direct result of cardholder communication. Report this post Report Report. 5 Incorrect Amount. For situations where reason code 4855 would apply, issuers have been instructed to use reason code 4853 instead. Region Only) 4855 Goods or Services Not Provided. You cannot refer the customer to the manufacturer if the product is defective or damaged. The most common causes of this chargeback reason code are when services are not provided, merchandise is not shipped, transaction is billed. However, if that customer actually didn’t cancel that subscription or failed to honor the terms of their agreement, you will need to provide compelling. Reason Code Description; 4853: Services not provided/Merchandise not received. They shouldn't exceed 540 days from the transaction date. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. S. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Where no valid authorisation for current transaction (using old authorisation code) In certain circumstances a cardholder or the card issuer has the right to question or dispute a transaction. . Mastercard reason codes do not require an inquiry. Chargeback Message Reason Code 4901. For any line or claim level adjustment, 3 sets of codes may be used: Claim Adjustment Group Code (Group Code) Claim Adjustment Reason Code (CARC) Remittance Advice Remark Code (RARC) Group Codes assign financial responsibility. [MasterCard Reason Codes 4853, 4855, 4859; Visa. . 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. 9, September 2015 Updates to 3. 3. 3 Incorrect Currency. Chargeback Reason Codes /. Cardholder claims the merchant continued to bill the card after a recurring transaction was cancelled, or without explicit consent from the cardholder. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. This includes, but is not limited. 4853 - Cardholder Dispute; How to Respond. Proprietary. MESSAGE/DESCRIPTION. The shorthand description is “Duplicate Processing/Paid by Other Means. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Dispute Code. In reality, however, the true cause of a chargeback may be anything from a misunderstanding, to buyer's remorse, or even deliberate cardholder abuse. Category. 4853. 10. 4853: Goods not as described/defective.