Reason Code 4860
Credit Not Processed
What is a 4860?
AKA Credit not processed. This means that the customer was promised a credit and did not receive it or customer received a debit instead of a credit.
Customer orders a wedding dress from out of the country and receives it but it doesn't fit.
Cardholder contacts merchant via e-mail with issues and merchant responds with asking for pictures of the item. Merchant states that they will refund upon return of the item. Cardholder makes the return available upon request. Merchant then does not respond or refuses return.