Root Cause

• Customer reported the debit as unauthorized: The customer has formally informed their bank that the debit transaction was not authorized.

• Improper debit processing: The debit entry did not comply with required authorization procedures or mandates.

• Fraudulent or suspicious activity detected: The customer identified the transaction as suspicious or fraudulent.

• Mandate or consent issues: The required mandate for the debit was either missing, expired, or improperly documented.

Troubleshooting and Solutions

• Advise the customer to contact their bank immediately to clarify the situation and resolve any disputes.

• Stop further attempts to process debits from the customer's account until proper authorization is confirmed.

• Request the customer to provide valid authorization if they wish to continue using debit payments.

• Review internal processes to ensure all debits are supported by proper mandates and customer consent.

• Clearly inform the customer about the transaction status and next steps to avoid future unauthorized debit claims.