Quavo’s trust-driven platform streamlines dispute operations for credit unions, enabling faster resolutions through an automated dispute workflow. Build member loyalty with greater transparency, efficiency, and proactive fraud resolution. From credit union chargeback management to Reg E compliance, QFD® covers every step.
Empower your team to quickly resolve disputes with a suite of tools that bring together everything needed for a fast investigation.
Build trust with your members through transparent, real-time dispute updates, enhancing satisfaction and reinforcing long-term loyalty.
QFD has helped centralize and streamline our claim processing, bringing us further into compliance and alignment with industry standards. With the ever changing nature of card fraud, QFD has improved the visibility of claim activity, helping us detect and act on emerging card and payment fraud. This saves money for the credit union and our members while maintaining their trust.
The dispute management process begins when a cardholder files a claim, triggering an investigation. The issuer reviews the transaction, applies Reg E or Reg Z rules, and resolves through approval, denial, or chargeback. QFD® automates each stage.
Yes. Credit unions handle disputes on behalf of members for unauthorized transactions, billing errors, and unrecognized charges. Under Reg E, members have the right to dispute EFT errors, and the credit union must investigate and resolve within regulatory timeframes.
Receive the claim → acknowledge within 5 business days (Reg E) → investigate → communicate with merchant or card network → issue provisional credit where required → deliver final resolution within 45–90 days.
Most disputes resolve within 45 business days under Reg E (90 days for POS transactions). QFD®’s automated workflows help credit unions resolve many cases well ahead of these deadlines.
