Empath Shares

How do you paraphrase this Empath Share?

Your account is covered by our Zero Liability policy, which means that you are covered for transactions that are fraudulent or that you did not authorize.

If there are any approved fraudulent transactions posted to your account, you will receive an account credit within the next 3 - 5 business days and the available credit will open in the next 30 days.

Your card has been cancelled and no fraud can continue to occur on your account.

 You can consider your case closed. If we have any more questions, we will reach out to you

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How do you paraphrase this Empath Share?

We are going to credit your account for this transaction while we work with the merchant on your behalf. You will see it on your account in the next 3 - 5 business days.

Sometimes, the merchant may provide additional information that will require us to reach out to you. Please keep any documentation regarding this dispute. In certain cases, the information that the merchant provides may lead us to reverse the credit we applied today.

Most of these situations are resolved within 2-3 months. You don't need to call us back. If we need more information, we will contact you.

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How do you explain the GovID process?

Do you read all the Empath Shares? or Do you explain it with your own words?

What do you say when the customers fail level 2 with OOW/TNP?

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(When doing LSRP) You card should arrive in...

• 7 - 10 business days

• 3 - 5 business days

• 2 weeks

The customer has done business with the merchant and does not recognize a new transaction, what can I do?

• Report the transaction as fraud

• Advise the customer to contact the merchant

• Start the dispute process right away

• Tell the customer that we can't do anything