There are three exceptions to the standard EFT dispute documentation requirements: 

• Unusual activity – If the activity with a specific client or local vendor could be suspicious (for example: gas station skimmer) tell the client to report this to local law enforcement. The client must give you a copy of this report, so that you can send it to TR&FP.
• Merchandise/service disputes – Clients who dispute an authorized transaction with a merchant (for example: product not received, product damaged, product not as expected) must provide details and/or documentation regarding the communication with the merchant to resolve issues. They must submit this information with the error resolution.
• Foreign transactions – Visa requires signed documentation when clients request to dispute a foreign debit card transaction. Complete an error resolution and ensure that the client signs it.