Dispute Resolution
At **CredDot**, we are committed to transparency and fairness. If you encounter an issue with a transaction or service, our structured resolution process ensures your voice is heard and problems are solved efficiently.
1. Submission & Acknowledgement
To initiate a dispute, customers must submit a formal request via the CredDot app or web portal within 60 days of the transaction. Once submitted, our system generates a unique **Dispute Ticket ID** and sends an automated acknowledgement within 24 hours.
2. Internal Investigation
Our specialized Dispute Team reviews the evidence provided. This includes:
- Verification of transaction logs and timestamps.
- Review of merchant responses (if applicable).
- Compliance checks against CredDot's Terms of Service.
Estimated timeframe: 3 - 7 business days.
3. Final Decision & Resolution
Once the investigation is complete, CredDot will issue a final decision. Outcomes may include:
- Full Reversal: Funds are returned to your CredDot account immediately.
- Partial Settlement: A partial refund based on the investigation findings.
- Declined: If the transaction is found to be valid or authorized.
Creddot LTD is duly registered as a financial technology company, not a bank. Virtual accounts, payment cards, custody, and on/off-ramp services are delivered through CBN licensed partners. Service availability may differ by jurisdiction and remains subject to regulatory approval. Our platform enables banking-like experiences, employ advanced fraud prevention systems, and use industry-standard encryption to protect your funds and personal information at all times.
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