Which description matches a credit not processed dispute?

• A. customer claims they did not receive the product or services purchased
• B. product was returned or the transaction was canceled but the business hasn't provided a refund or credit
• C. the product was defective, damaged, or not as it was described
• D. customer claims they were charged multiple times for the same product or services

Answer: (B)

A credit not processed dispute happens when a customer expects a refund or credit after returning goods or canceling a transaction, but the merchant did not issue that refund or credit. The option describing that the product was returned or the transaction was canceled but the business hasn't provided a refund or credit matches this scenario exactly. It highlights the missing refund/credit that prompts the dispute. The other descriptions point to different dispute types: not receiving goods, product issues (defective or not as described), or a duplicate charge.