Reason code · Discover
Discover RN2: credit not received
RN2 means the cardholder says a refund you promised them was never processed. The question is whether a credit was actually due under your policy, and if it was, whether it went through.
What RN2 means
RN2 is Discover’s refund code. Chase’s processor guide describes it simply: a credit the merchant promised the cardholder was not processed. The same guide calls it both “Credit Not Received” and “Credit not Processed.”
Some processors show a number instead: Stripe and Checkout.com list Credit Not Processed as 8002.
What the customer told their bank
“They said they’d refund me.” “I returned it and never saw the money.” “I canceled my reservation and they kept the deposit.”
Time limit
Chase’s processor guide lists 120 days from the transaction date, never more than 540 days from the expected scheduled event date. A deposit for an event or stay months away can be disputed long after it was paid.
Discover’s rules come through your processor. Discover doesn’t publish its dispute rules manual. Its rules reach you through your processor, and published response windows conflict from one source to the next. The due date on your notice governs. Use it, not a number from an article.
What proof matters
Two different answers, depending on the facts. If no refund was due: proof the goods never came back, that you issued in-store credit in line with your policy, or that the reservation wasn’t canceled under your policy. If a refund was due: proof it already went through.
Your promise is the evidence against you
RN2 is built around a promised credit. That means the most damaging document in the case is often your own message: “We’ll refund you once it’s back,” or “You’ll get a prorated refund.” If you said it, make sure the refund actually ran, in full, to the card. If you didn’t owe it, make sure nothing you wrote says otherwise.
The common mistake
A refund that was approved but never processed. The customer was told yes, the refund sat in a queue, and now it’s a dispute and a fee instead of a refund. Run promised credits promptly.
Dispute Daddy builds this for you
Upload the notice and your records. Dispute Daddy builds a response around the reason the bank actually gave, and you approve it before you submit. See how the method works.
