Common use of Account dispute processing procedures Clause in Contracts

Account dispute processing procedures. 持卡人如與特約商店就有關商品或服務之品質、數量、金額有所爭議時，應向特約商店尋求解決，不得以此作為向貴行請求返還帳款之依據。 The cardholder shall resolve any disputes with the merchant regarding the quality, volume and amount of goods or services delivered, and can not use them as excuses to have the Bank return the paid proceeds. 持卡人如對當期交易對帳單所載交易明細或指定扣款帳戶存摺、網銀所載上月交易日消費明細有疑義，得於收到交易對帳單三十日內或於當 (本)月檢具理由及 貴行要求之證明文件通知貴行，或請求貴行向收單機構調閱簽帳單或退貨單，或請求貴行就該筆交易依國際組織作業規定，向收單機構或特約商店主張扣款，如先行返還該款項，貴行得予以保留(持卡人無法提領或動用該保留款項)。 Should the cardholder have doubts toward the transaction or to details contained in the statement, direct debit passbook, or online banking statement, a request can be raised to the Bank within 30 days after the transaction date along with detailed reasoning and supporting documents to have the Bank retrieve sales slips or sales return slips from its or the acquirer's database, or to have the Bank chargeback the amount from the acquirer or the merchant according to the policies of the credit card organization. If the amount in question is charged back before the dispute is resolved, the Bank may withhold it (during it is inaccessible to the cardholder) until the matter is clarified. 持卡人未依前項約定通知貴行者，推定指定扣款帳戶存摺或對帳單所載事項無錯誤。 Details of the direct debit passbook or statement would be deemed correct if no queries are made by the cardholder according to the above. 貴行依第二項後段約定向收單機構或特約商店主張扣款，經貴行證明指定扣款帳戶存摺或對帳單所載事項無誤或因非可歸責於 貴行之事由而不得扣款時，如該款項已暫時先行返還持卡人，貴行經通知持卡人後，得於通知扣款日自持卡人指定扣款帳戶扣除該款項，若有不足，持卡人仍應負清償責任，並依第十二條約定辦理。 If the Bank charges back the amount in question from the acquirer or the merchant according to Paragraph 2, but later finds out that details contained in the direct debit passbook or statement are indeed correct or that the amount can not be charged back for reasons that are not attributed to the Bank's fault, the Bank may, after notifying the cardholder, deduct the chargeback from cardholder's direct debit account on the payment date. Any remaining shortfalls still need to be paid by the cardholder and shall proceed according to Article 12. 持卡人如有請求貴行向收單機構調閱簽帳單或退貨單時，應給付貴行調閱簽帳單手續費，國內消費為每筆新臺幣伍拾元，國外消費為每筆新臺幣壹佰元，前揭手續費貴行得調整之，惟應以顯著方式，於營業場所或貴行網站上公開揭示。 The cardholder is required to pay the Bank a processing fee for retrieving sales slips or sales return slips from the Bank or the acquirer. This processing fee is NT$50 per domestic transaction and NT$100 per overseas transaction. The Bank may adjust the abovementioned fees provided that such changes are disclosed in a visible manner at the Bank's place of business or over its website. 第 11 條 交易紀錄及儲值餘額疑義之處理

Account dispute processing procedures. 持卡人如與特約商店就有關商品或服務之品質、數量、金額有所爭議時，應向特約商店尋求解決，不得以此作為向貴行請求返還帳款之依據。 The cardholder shall resolve any disputes with the merchant regarding the quality, volume and amount of goods or services delivered, and can not use them as excuses to have the Bank return the paid proceeds. 持卡人如對當期交易對帳單所載交易明細或指定扣款帳戶存摺、網銀所載上月交易日消費明細有疑義，得於收到交易對帳單三十日內或於當 (本)月檢具理由及 貴行要求之證明文件通知貴行，或請求貴行向收單機構調閱簽帳單或退貨單，或請求貴行就該筆交易依國際組織作業規定，向收單機構或特約商店主張扣款，如先行返還該款項，貴行得予以保留(持卡人無法提領或動用該保留款項貴行要求之證明文件通知 貴行，或請求 貴行向收單機構調閱簽帳單或退貨單，或請求貴行就該筆交易依國際組織作業規定，向收單機構或特約商店主張扣款，如先行返還該款項， 貴行得予以保留(持卡人無法提領或動用該保留款項)。 Should the cardholder have doubts toward the transaction or to details contained in the statement, direct debit passbook, or online banking statement, a request can be raised to the Bank within 30 days after the transaction date along with detailed reasoning and supporting documents to have the Bank retrieve sales slips or sales return slips from its or the acquirer's database, or to have the Bank chargeback the amount from the acquirer or the merchant according to the policies of the credit card organization. If the amount in question is charged back before the dispute is resolved, the Bank may withhold it (during it is inaccessible to the cardholder) until the matter is clarified. 持卡人未依前項約定通知貴行者，推定指定扣款帳戶存摺或對帳單所載事項無錯誤。 Details of the direct debit passbook or statement would be deemed correct if no queries are made by the cardholder according to the above. 貴行依第二項後段約定向收單機構或特約商店主張扣款，經貴行證明指定扣款帳戶存摺或對帳單所載事項無誤或因非可歸責於 貴行之事由而不得扣款時，如該款項已暫時先行返還持卡人，貴行經通知持卡人後，得於通知扣款日自持卡人指定扣款帳戶扣除該款項，若有不足，持卡人仍應負清償責任，並依第十二條約定辦理貴行之事由而不得扣款時，如該款項已暫時先行返還持卡人，貴行經通知持卡人後，得於通知扣款日自持卡人指定扣款帳戶扣除該款項，若有不足，持卡人仍應負清償責任，並依第十一條約定辦理。 If the Bank charges back the amount in question from the acquirer or the merchant according to Paragraph 2, but later finds out that details contained in the direct debit passbook or statement are indeed correct or that the amount can not be charged back for reasons that are not attributed to the Bank's fault, the Bank may, after notifying the cardholder, deduct the chargeback from cardholder's direct debit account on the payment date. Any remaining shortfalls still need to be paid by the cardholder and shall proceed according to Article 1211. 持卡人如有請求貴行向收單機構調閱簽帳單或退貨單時，應給付貴行調閱簽帳單手續費，國內消費為每筆新臺幣伍拾元，國外消費為每筆新臺幣壹佰元，前揭手續費貴行得調整之，惟應以顯著方式，於營業場所或貴行網站上公開揭示持卡人如有請求貴行向收單機構調閱簽帳單或退貨單時，應給付 貴行調閱簽帳單手續費，國內消費為每筆新臺幣伍拾元，國外消費為每筆新臺幣壹佰元，前揭手續費 貴行得調整之，惟應以顯著方式，於營業場所或貴行網站上公開揭示。 The cardholder is required to pay the Bank a processing fee for retrieving sales slips or sales return slips from the Bank or the acquirer. This processing fee is NT$50 per domestic transaction and NT$100 per overseas transaction. The Bank may adjust the abovementioned fees provided that such changes are disclosed in a visible manner at the Bank's place of business or over its website. 第 11 條 交易紀錄及儲值餘額疑義之處理付 款