Use cases
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Disputes
Decided on time, defended on record
Disputes arrive on their own schedule and close on the regulator’s timeline. Evidence, decisions, and deadlines live in one file.
What Narrative does
Dispute volume is unpredictable, and every case has a clock on it. Narrative gathers the evidence, applies your investigation standard, and drafts the determination with the reasoning attached. The customer gets a decision. So does the examiner.
How it works
01
Connect the evidence
Bring customer claims, transaction records, account history, communications, and case activity together. Keep each assessment linked to its source.
02
Apply your standards
Narrative works through evidence, required steps, and deadlines according to the dispute type and your investigation procedures.
03
Route the decisions
Send drafted determinations and supporting evidence to the right analysts. Route exceptions through your approval and escalation procedures.
04
Preserve the record
Keep checks, credits, notices, reviewer decisions, and outcomes together. Reconstruct any investigation and trace recurring issues across disputes.
Where it applies
EFTA / Regulation E
Electronic payment disputes and error resolution
TILA / Regulation Z
Credit billing errors and resolution requirements
FCRA / Regulation V
Credit reporting disputes and investigations
UDAAP
Consumer harm and unfair or misleading dispute handling