tsk_3ec7071edb751703

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Task tsk_3ec7071edb751703payments · api/payments/disputes/representment

Regulator-ready audit trail

Disputes / Chargebacks

Divergent · TBV override

Applicable regulation

Reg E § 205.11 · Visa CE 3.0 · Mastercard Collaboration · Amex Dispute Policy

Primary AI decision

Primary LLM: 'representment APPROVED — evidence complete.' ⚠ TBV flagged.

primary_claim: representable

TBV verifier re-reasoning

verdict: blockconfidence: 0.94

DIVERGENT from primary LLM. Verifier checked Reg E § 205.11 timing: claim filed on day 63 of statement date, exceeding 60-day window by 3 days. Cardholder loses dispute rights. Merchant wins representment. Primary LLM verified evidence but missed timeline check.

Source data provenance

card_network: Visa

reason_code: 13.1

evidence_complete: true

statement_date: 2026-02-15

claim_filed: 2026-04-19

days_since_statement: 63

Final verdict

block

Resolver tier

TBV verifier (agent)

Status

completed

Prompt

Primary LLM: 'representment APPROVED — evidence complete.' ⚠ TBV flagged.

Context

{
  "card_network": "Visa",
  "reason_code": "13.1",
  "evidence_complete": true,
  "statement_date": "2026-02-15",
  "claim_filed": "2026-04-19",
  "days_since_statement": 63,
  "primary_claim": "representable",
  "verifier_override": true
}

Attempts

agentverdict: blockconfidence: 0.94
DIVERGENT from primary LLM. Verifier checked Reg E § 205.11 timing: claim filed on day 63 of statement date, exceeding 60-day window by 3 days. Cardholder loses dispute rights. Merchant wins representment. Primary LLM verified evidence but missed timeline check.

Final verdict: block (via agent)

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