Learn More about MasterCard Chargeback Reason Code 4860: Cardholder Disputes Chargeback reason codes identify the general reason behind a chargeback. Listing review by sharonhsj1. 54 MCC 4457—Boat Leases and Boat Rentals. An RA provides finalized claim details and contains explanatory claim processing message codes. Read the code on FindLawWe can't continue with the signup process for the following reason:. Reason Code 12. Related Change Request (CR) Number: 12102 . 6 falls under the “Processing Errors” category. Background: The current IOM needs to be updated with more reason codes and. Chargeback Message Reason Code 4901. Lodging Reimbursement Rules (Key Extracts) If: Then: a traveler does not use the available ILP lodging at the site, the traveler is limited to what the Government would have paidACH return codes and explanations for R01 – R33 returns. A chargeback is an adjustment to a merchant's account from a previous sales transaction. 246 5. Reason Code (CARC) 237 is included at the service detail line as a consolidated amount. deros-change-disapproval reason codes [req-deros-rs] [lst-deros-rs-ya] duty command level codes duty status codes [ds] duty status flag codes functional category codes [fc] hyt-waiver-reason codes [hyt] join spouse assignment intent codes [int]. What You Need to Know. Reminder: Providers are required to submit a covered claim for either determining the benefit period or for crediting the beneficiary’s Medicare deductible. Credit Posted as a Purchase chargebacks, for example, at. 4853: Credit not processed. 4846. Service Review Decision Reason Codes. Switch to Visa American Express Discover. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. WPC updates both code lists on or around March 1, July 1, and November 1. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective . Tenant pays all utilities. 1 on Westlaw FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. 2. This reason code indicates that the cardholder is disputing the transaction as a duplicate charge. 12206. Payout party/account BIC/Swift invalid. Beginning October 2, 2017, messages will appear on the provider's remittance advice to reflect a beneficiary's QMB status with one of the following remittance advice remark codes (RARCs). 4853: Credit not processed. The cardholder claims you promised genuine merchandise, but the merchandise received was counterfeit. 3. Chargebacks Explained; Chargeback Representment;. 4853: Goods not as described/defective. S. 4808 Multiple Authorization Requests. The Mastercard dispute reason code 4853 Cardholder dispute is a relatively new reason code which is raised when the cardholder. In theory, the reason code will pinpoint why the cardholder is disputing the transaction. ← back-to-previous-page. The ACO/CA must input an office of primary responsibility (OPR) code in the R9 remark line when R2 overage delay reason codes F, H, M, P, V, or W are used. Merchants should confirm complete transactions via email or text. Transaction code: FBRA. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. message. Remittance Advice Remark Codes (RARCs) and Claim Adjustment Reason Codes (CARCs), effective July 1, 2010. Under the standard format, only the remark codes approved by CMS are printed in this field. 10. 99384 age 12 through 17 years. VCIPayments; NMI;. 3: Other Fraud — Card Present Environment:. If you see the procedure codes list 99381 to 99387 (New patient Initial comprehensive preventive medicine), it should bee coded based on the patient's age. 085 Stickers Only (VC §§4457 and 4853) Chapter 21: Special Plates. 053Read this complete California Code, Business and Professions Code - BPC § 4853. Mastercard /. The most common reasons that claims are denied as 'submitted to incorrect program' are: The item is a supply, orthotic, or prosthetic or is an item of medical equipment. Available November 20, 2023. S. 6: Duplicate processing/Paid by other means. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Three different sets of codes are used on an RA: reason. Global Operations Bulletin No. For example, if you sent out a charge for a $100 dollars and the insurance contract only covered the service for $80, they may pay the claim and return a code of CO-45 ( Charge Exceeds fee schedule/maximum allowable or contracted/legislated fee. Claim. The Mastercard dispute reason code 4853 Cardholder dispute is a relatively new reason code which is raised when the cardholder contacted their issuer claiming that one of the following dispute reasons is applicable: Services not provided/Merchandise not received. Resolution: When submitting an adjustment (XX7) or a cancel (XX8), a Claim Change Reason Code is required. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. Another good reason to do this is because the codes may vary by payer, and payers update them throughout the year. What causes code 4855 chargebacks? In theory, merchants shouldn't receive chargebacks with reason code 4855 anymore. Sonstiger Rückgabegrund/ Fehlende Deckung. Mastercard chargeback reason code 4853/Credit as a Purchase applies to disputes where a cardholder claims a debit should have been posted a credit. IF YOU HAVE QUESTIONS, PLEASE CONTACT THE DHS PROVIDER HELP DESK AT 1 (800) 366-5411, (651) 431-2700 OR ON THEIR WEBSITE AT. Toggle sub menu. This new reason code enables Medicare to communicate the message that coinsurance or deductible cannot be collected from the patient. 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. OF IMPRISONMENT AND THE DEATH PENALTY [2000 - 10007] CHAPTER 4. 4853 – Cardholder Dispute – Goods or Services Not Provided(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. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. Mastercard. The list of reason codes can seem overwhelming, but taking the time to familiarize yourself with them can help you prevent chargebacks and protect your business. Category. Adjustment Reason Codes are not used on paper or electronic claims. Code 10. There are also a series of dates: Disputed date - This is the date the transaction in dispute took place. Some insurers even report denying nearly half of in-network claims!Remittance Advice Remark Codes: CMS is the national maintainer of the remittance advice remark code list. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. Swift Code / BIC does not exist - SEPA/Giro/Direct Debit. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Area Code 917 has 700 prefixes. In. Reason Code. The reason you’re not building muscle #fitgirl. Other Coverage Code is not used for this Transaction Code 3Ø8‐C8 271 Special Packaging Indicator is not used for this Transaction Code 429‐DT. Region Only) 4855: Non-receipt of Merchandise:Code 10. For example, a shopper bought some goods and paid for these on the 14th of October 2017: this is the date that appears as the Disputed date. ” Mastercard has retired this reason code, but it was used when the cardholder claimed they never received a refund or credit the merchant promised them. 2022 California Code Family Code - FAM DIVISION 9 - SUPPORT PART 2 - CHILD SUPPORT CHAPTER 2 - Court-Ordered Child Support ARTICLE 2 - Statewide Uniform Guideline Section 4053. Elimination of Code 4863 and 4840. Learn the details, the cause,. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Adjustment reason codes are required on Direct Data Entry (DDE) adjustments on type of bill (TOB) XX7 and are entered on DDE claim page 3. The second Group Code (PR) represents the client responsibility that is being covered by the secondary insurance, and the second Reason Code (1) shows that this is their deductible rate. Make sure that your billing staffs are aware of these changes. Code Submitted is for Reporting Purposes Only. Authenticated. Global Security Bulletin No. 4853. Reason Code: 22. 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. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. 50. 906. ANSI Reason or Remark Code: N20/B15 # of Denials: 9,241 # of Denials: 29,048. ©Chargeback Code Chargeback Reason; 10. Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Addendum Dispute / Dispute Code. 20 and 18. The cardholder claims they were charged multiple times for a single transaction. Message System. Reason Code 12. Category. 4853: Credit not processed. Suggested Most recent Loading. Note:Reason Code Remark Code(s) Denial Denial Description; 16: M51 | N56: Missing/Incorrect Required Claim Information: Claim/service lacks information or has submission/billing error(s). ) (b) The item is listed in chapters 2 or 6 of SB 700-20 if it is to be documented in a TOE/MTOE/TDA. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was requested. Mastercard /. Chargeback reason code 4853: Cardholder Dispute applies to situations in which a customer feels they have been cheated or misled. CSS Border Radius Generator jQuery Keycode Generator Base64 Encoder/Decoder CSS Attributes Generator Morse Code Generator URL Encoder/DecoderMissing or Invalid Service Codes (CPT, HCPCS, Revenue Codes, etc. 4853: Cardholder Dispute—Defective Merchandise/Not as Described: 4854: Cardholder Dispute—Not Elsewhere Classified (U. 4853: Cardholder disputes This reason code for Mastercard contains a lot of different varieties of cardholder disputes. ” The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. 4853. This is mainly would come with QMB patients. remittance advice remark code list. Expedited Dispute Resolution forms will not be allowed. 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. Please verify the status of the code you are researching with the state legislature or via Westlaw before relying on it for your legal needs. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard. Reason Code Description; 4853: Services not provided/Merchandise not received. Those reasons codes are returned by the issuers/card schemes and mapped to different dispute reason categories. B70 – Death, Battle Casualty – Navy B79 – Death, Battle Casualty – Navy BDK – Security. Reason Code 13: Claim/service lacks information which is needed for adjudication. . (Use only with Group Code OA)”. (a) All veterinary premises shall be registered with the board. Reason Code 115: ESRD network support adjustment. CGS provides suppliers with resources to better understand claim denials and what causes them. Solved: Hi there, I am trying to create a conditional column based on another column. Code. 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 merchandise: MasterCard. George was surfing online and spontaneously decides to buy shoes for himself. We would like to show you a description here but the site won’t allow us. 6. Merchants anybody receive a chargeback for a transaction positioning with an Mastercard card allowed encounter reason code 4853, which displays a disputed transaction that who cardholder does not believe they shouldn be responsible for paying. Automated Clearing House return codes, reasons, and details. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Reason Code. ”. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. Reason Code. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. n522. The codes also appear on financial reporting associated with disputes. 12. Please verify the status of the code you are researching with the state legislature or via Westlaw before relying on it for your legal needs. Notes. A couple of ways to solve this problem would be to increase the default maxdepth of 5000, or to make sure the sending application can handle a reason code of 2053 (MQRC_Q_FULL) by e. MA83. They can also be caused by a merchant failing to process a cancellation promptly. should respond to the debtor agent (ordering bank) with a MT196 with the code word PTNA - “Past To Next Agent” when the cancellation has been forwarded to the next agent in the payment chain. Common Reasons for Denial Codes. You have to execute the synchronization Jobs in order to make the FF IDs available in GRC Box for selection:If billing value codes 15 or 47 and the benefits are exhausted please contact the BCRC to update the records and bill primary. 5/20/2018. Pay attention to accompanying remark codes and make changes accordingly. The information was either not reported or was illegible. Each of the major card brands, including Visa,. 4808 Cardholder-Activated Terminal (CAT) 3 Device. 11701. New Claim Adjustment Reason Code (CARC) to Identify a Reduction in Payment Due to Sequestration . (Reason Code 4853). 246 5. Please right click This PC>Properties>Rename this PC, reboot your device and check the issue. Resolution: When submitting an adjustment (XX7) or a cancel (XX8), a Claim Change Reason Code is required. Effect of Full Pardon Section 4853. Why did I receive this chargeback? The cardholder made one authorized purchase with you, but a. 12/01/2022 Page 2 of 35. See All Code Lists. Read this complete California Code, Business and Professions Code - BPC § 4853. Updated over a week ago. Cardholder Dispute. While technically functional, it is being consolidated into 4853, and therefore should not be used. The merchant didn’t. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 400: THIS WAS SUBMITTED ON THE WRONG FORM. com (916) 673-4602 Healthy Families questions should be directed to the e-mail address shown above. Chargeback Reason Codes /. " In addition, the industry code under NAICS expanded to six. 6 falls under the “Processing Errors” category. This might mean that the merchant submitted a batch of identical transactions more. exe /r /f /m Server64 /t 60 /d P:4:2. Under HIPAA, all payers, including Medicare, have to use reason and remark codes approved byProvider-Level Adjustment (PLB) reason codes describe adjustments the Medicare Contractor makes at the provider level, instead of a specific claim or service line. Reason code 4808 replaces several older reason codes that have since been retired. Service Type Descriptor Codes. This includes, but is not limited to: • Goods or Services Not Provided • Goods or Services Were Either Not as Described or Defective • Credit Not ProcessedRemittance Advice (RA) Once a claim has been processed, a Remittance Advice (RA) is issued in either Standard Paper Remittance (SPR) or Electronic Remittance Advice (ERA). the tonocotés village had 4,853 inhabitants) Atacama. 12. . When this occurs, Moneris will send the merchant a "Sales Draft Request" or. Below you’ll find the list of each followed by why. You can use the SAT code search to find your school's College Board code: Digit Plus. 7 Invalid Data. 035 Chart 6-Type Transaction Codes (TTC) Appendix 1A - County and City Fees. The adjustment (type of bill XX7, or XX8) or reopening request (type of bill XXQ) does not include a claim change reason code. The term “impact” in that description and within section 1. #dispute #chargeback #mastercard #visa #cbz #viralvideo. Reason Code: 181. NACHA Return Codes. Out of $200, Insurance allowed $160 as per the contract and paid. Train your staff so the guest won’t accidentally be charged a no-show fee if the accomodations were used or you offered alternate accommodations. Dispute Code. Although reason codes and CMS message codes will appear in the body of the remittance notice, the text of each code that is usedvalue codes to ensure timely and accurate processing: • Share of Cost: Value code 23 indicates the members share of cost and should ALWAYS be included in box 39. The practice address present on the claim matches an entry on the Provider Practice Address Query Screen (MAP1AB2) in FISS DDE or PECOS. 3 million denied claims. 5. A group code will always be used in conjunction with a claim adjustment reason code to show liability for amounts not covered by Medicare for a claim or service. Trace ID: 0b55f402-4f76-4b95-a7d3-99ce2be30800 Correlation ID:. 3257. Chargeback reason code 4853: Transaction Did Not Complete refers to a situation where the customer is claiming that the product or service purchased was never received or used. Basically, * is matching all possible S3 object keys, and the stuff to the left of / is limiting its scope down to a single S3 bucket. 4853. 4853: Credit posted. Many reason codes are informational in nature so they tend to muddy the waters a bit. 3 Co-payment amount. Zip code Please enter a valid zip code. At leastMastercard chargeback reason code 4853/Counterfeit Goods applies toward disputes where a cardholder can verify that merchandise received was counterfeit. 4853. Proprietary. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. The structure of the series code under NAICS for CES (as used for the LABSTAT database) is slightly different from the CES series codes used under SIC structure. Chargeback Message Reason Code 4901. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Background . Louisiana Revised Statutes Tit. Category. Chargeback Reason Codes /. Canceled recurring transaction. Issuers are currently allowed to use reason code 4860, however, this code will soon be eliminate. Tell us more about how. 1: EMV Liability Shift Counterfeit Fraud: 10. MSN 18. 3? Chargeback reason code 13. Adjustment reason codes are required on Direct Data Entry (DDE) adjustments on type of bill (TOB) XX7 and are entered on DDE claim page 3. . . Learning about each of the chargeback reason codes can help you dispute them. Refund to patient if collected. ce060 denied: resubmit with asa anesthesia code dn 16 n657 ce050 denied:service code is non covered dn 96 n643 ce220 injury sequela codes cannot be primary/principal diagnosis dn 16 ma63 ndcyy denied: submitted ndc code expired-based on cms/fdb database co 16 m119 ndczz denied: required ndc code is missing. ISSN: 2278-4853 Vol 8, Issue 1, January 2019 Impact Factor: SJIF 2018 = 6. This broad umbrella category includes an array of chargeback causes. Mastercard Reason Code 4853/Transaction Did Not Complete involves cases where the purchaser believed the transaction was not actually processed. ANSI Codes. CO-167. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Control Code (LCC) A. DESCRIPTION. Proof you have already refunded the transaction and credited the cardholder’s account. 1, Rule 14); adds Education and Training Course Announcement (ETCA) and Oracle Training Announcement (OTA) databases as ADSC source information for training courses (Table 1. Reason Code Description Resolution; 12206: When the from and through date are not the same on an inpatient or SNF bill type (11X, 18X, 21X, 28X, 41X or 51X) the number of days represented must equal the sum of the covered plus non-covered days, unless the patient status code is equal to a 30, then 1 additional day is added. It also occurs when. CO is a large denial category with over 200 individual codes within it. 2 Coinsurance amount. 720-251-4853 Need to get in touch with the seller? Try messaging them on Etsy first. All claims that have been rejected should have a narrative description of the reason for the rejection. Submit Loading Dispatches from Aurora, CO. 4853: Counterfeit merchandise. 4853: Cardholder disputes - services/merchandise defective or not as described. . . Reset Cleared Item. 4853: Credit posted. reason code unless the cursor is positioned over one of the other reason codes. How can merchants prevent code 4853 chargebacks? Nearly Mastercard chargeback reason codes; Retailers who receives ampere chargeback for a transaction arranged with a Mastercard chart can encounter basic code 4853, whatever indicates a disputed purchase that the cardholder does not believe they should shall responsible since paying. Remittance Advice Remark Codes (RARC) are used within the 835 Health Care Remittance Advice and Payment Transaction in conjunction with the Claim Adjustment Reason Codes to convey information,. . Category. 5 Current as of January 01, 2023 | Updated by FindLaw Staff Welcome to FindLaw's Cases & Codes, a free source of state and federal court opinions, state laws, and the United States Code. That is where Claim Adjustment Reason Code (CARC) 23 applies. 4 applies to eCommerce, whereas code 10. In. Code Number Remark Code Reason for Denial 1 Deductible amount. 4807 Warning Bulletin. Customer incoming payment with reason code: F-28. Code (USC), to administer, train, and maintain Army Reserve organizations. 4853: Purchase transaction did not complete. Reason Code 4853. The better prepared you are, the more likely you are to win. Response. These codes are subject to change, and the Department of Defense will no longer allow the military services to release the meanings of these codes to the general public. 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. FB link Print Email. 5 (commencing with Section 830) of Title 3 of Part 2 of the Penal Code, or a regularly employed and salaried employee, who is engaged in directing traffic or enforcing parking laws and regulations, of a city, county, or jurisdiction of a state agency in which a vehicle is. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express Reason Code 4853 - Digital Goods Purchase of $25 or Less. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. California Code, Business and Professions Code - BPC § 4853. Submit Loading Dispatches from United Kingdom. The merchant shipped merchandise that wasn't what they claimed to be. Chargeback Reason Codes; Chargeback Reason Codes. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. 6. This HCPCS code requires prior authorization;About Mastercard chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Views: Cybersource transaction responses will contain either reason codes or reply flags, depending upon the integration method employed. Chargeback reason codes are a set of numbers and letters indicating why a customer is requesting a refund for a purchase. What is the reason for your feedback? Easy to understand. Cardholder Dispute. com Clec, Llc - Ny :For Example if the remark code is MA83 please find below for corrective measures for this denial. Usage: Refer to the 835 Healthcare Policy Identification Segment (loop 2110 Service Payment Information REF), if present. 6: Duplicate processing/Paid by other means. Acquirer Use of Message Reason Code 7623. Effective Date: July 1, 2021 . 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. 100- 140 standards- , and will be removed in future releases. Merchant refuses as the policy doesn’t accept returns after 30 days. The system will show the message that the document was posted. 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. 6. You can then mark the number as safe or spam. Condition code 77 versus value code 44. 6. Cancelled Recurring Transaction. The sales receipt and/or date and amount of the authorization if other than the transaction date. 3 is the less common version for card-present transactions. Below are some examples of more common reason codes. When customers are unhappy with a transaction, but cannot resolve the situation through the merchant, the cardholder. The tool will provide the remittance message for the denial and the possible. Read this complete California Code, Health and Safety Code - HSC § 4853 on Westlaw FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. If the number of messages on the queue reaches the maxdepth, the application will fail with an MQ Reason Code 2053 MQRC_Q_FULL. Read this complete California Code, Welfare and Institutions Code - WIC § 4853 on Westlaw FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Reason Codes. It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). For example, using code E1399 when the item provided doesn’t match an established HCPCS code triggers the N350 remark code. Updated the Questionable Merchant Activity chargeback with claims of coercion. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Some examples of provider -level adjustments include: • An increase in payment for interest due as a result of late payment of a claim by MedicareMCC 4411—Cruise Lines. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. 3736. Cardholder Dispute — Defective Merchandise / Not as Described. Below are some examples of more common reason codes. Mastercard Reason Code 4853 Cardholder Dispute of a Recurring Transaction is used for cardholder disputes based on recurring billing transactionsTerms Used In California Penal Code 4853. Sort by: Suggested. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. 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. AMERICAN EXPRESS; CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. We would like to show you a description here but the site won’t allow us. ” In general, this means the cardholder was not happy with a purchase and blames the merchant. gov insurers denied nearly 17% of in-network claims.