XJCombination Conditions
Compliance Condition Code XJ: Closed at Consumer's Request and Disputed Under the FCBA
Compliance Condition Code XJ means "Closed at Consumer's Request and Disputed Under the FCBA". Both conditions at once: the consumer asked for the account to be closed, and a Fair Credit Billing Act billing-error dispute is open. It is reported in Compliance Condition Code (Field 32) of the Base Segment, 2 characters at position 215.
Specification
| Code | XJ |
|---|---|
| Meaning | Closed at Consumer's Request and Disputed Under the FCBA |
| Field | Compliance Condition Code (Field 32) |
| Record | Base Segment |
| Length / position | 2 chars · 215–216 |
| Category | Combination Conditions |
| CRRG reference | CRRG Exhibit 8 (Compliance Condition Codes) |
What Compliance Condition Code XJ means
- The FCBA equivalent of XD.
- Used when a cardholder closes the account and a billing-error dispute is still being worked.
- Both facts must genuinely be true.
When to report XJ
- 1A cardholder closes the card and disputes the final statement's charges in the same contact.
- 2A revolving retail account is closed at the consumer's request while a disputed charge is under investigation.
- 3A line of credit is closed and an unauthorized draw is contested under the FCBA.
Reporting rules
- Populate Date Closed.
- Applies to open-end revolving accounts only.
- Move to XG or XH once the billing-error investigation concludes.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Compliance Condition Code XJ has to satisfy.
- Requires Date Closed to be populated.
- Restricted to revolving and line-of-credit portfolio types, inheriting the XF constraint.
- Successor codes: XG or XH.
Common errors involving XJ
Vocabulary
Keep browsing
- All 10 compliance condition codes — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Compliance Condition Code field reference — position, length, and validation rules.
- Metro 2 format reference
See Compliance Condition Code XJ in your own file
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