What problem does it solve? Disputed card transactions follow three very different resolution paths, and picking the wrong one loses the customer's money or the firm's. This Skill gives an agent a consistent decision procedure for classifying a dispute, gathering the right evidence, and stating the correct deadline. ## Core Features & Use Cases - Three-path classification: Distinguishes unauthorised transactions, authorised-but-wrong transactions (wrong amount, duplicate, goods not received), and recognised-on-reflection cases such as forgotten subscriptions. - Path-specific evidence checklists: Specifies what to collect per path, such as card possession history for unauthorised claims or order confirmations and merchant contact dates for not-received claims. - Deadline and conduct guardrails: States that dispute windows run from the transaction date, and prohibits promising outcomes, temporary credits, or advising customers to stop payments. - Use Case: A customer reports a charge they do not recognise. The agent classifies it as unauthorised, confirms the card is blocked first, then collects evidence about when the customer last had the card and whether details were shared. ## Quick Start A customer disputes a 49.99 charge from a merchant name they do not recognise; classify the dispute and tell me what evidence to gather and what deadline applies.
