If you see DC DSP TEMP CR REV on your bank statement, it means a temporary credit your bank had previously added to your account has been reversed and the money pulled back out. The pieces stand for debit card (DC), dispute (DSP), temporary credit (TEMP CR), and reversal (REV). In most cases the entry appears after your bank gave you a provisional credit during a debit card dispute investigation and then took it back because the investigation did not rule in your favor. It can also show up when a pre-authorization hold is released, a merchant cancels a refund, a bank corrects an erroneous credit, or a sender recalls a direct deposit.
What the Code Is Telling You
“DC” refers to a debit card transaction. “DSP” refers to a dispute, not a disbursement or a service provider, because this code almost always appears after a cardholder has challenged a charge. “TEMP CR” means a temporary credit was posted to your account at some earlier point. “REV” means that temporary credit is being reversed.
The important word is temporary. The credit was never meant to stay. The reversal is the final step closing out whatever hold, dispute, or correction produced the credit in the first place.
Why This Entry Appears
A Dispute Was Resolved Against You
This is the most common cause. When you dispute a debit card charge, your bank typically issues a provisional credit so you have access to the funds while it investigates. If the investigation concludes the original charge was legitimate, the bank reverses the provisional credit. Federal rules allow up to 45 days for most domestic investigations, and up to 90 days for point-of-sale debit card transactions, international transfers, or disputes filed within 30 days of opening the account. So the credit may have been sitting in your account for weeks before the reversal landed.
A Pre-Authorization Hold Was Released
Hotels, car rental companies, and gas stations routinely place temporary holds that exceed the final transaction amount. When the actual charge settles for less, or the hold expires without a matching charge, your bank releases the difference. That release sometimes posts as a temporary credit followed by a reversal as the final amount clears.
A Merchant Canceled a Refund
If a merchant processes a refund and then reverses it, this entry can appear. Common reasons include returns that were never actually completed, incorrect refund amounts, or refunds that landed in the wrong account.
The Bank Corrected an Erroneous Credit
Banks occasionally credit funds to the wrong account. When the error is caught, the bank reverses it. You may see this code even though you never filed a dispute yourself.
A Direct Deposit Was Recalled
If a payroll department, government agency, or other sender deposits money and then pulls it back, this code may appear. Typical reasons include duplicate payments, incorrect amounts, or deposits sent to the wrong account.
Finding the Original Credit
The reversal line on its own rarely tells you the whole story. You need to match it to the temporary credit it undoes. Look for a credit with the same dollar amount posted shortly before the reversal. Most online banking platforms let you search by amount and date range, which is faster than scanning line by line.
Dates matter. A provisional credit from a dispute may have appeared weeks before the reversal, because banks can take 45 to 90 days to investigate. A pre-authorization release or recalled deposit usually reverses within a few days. If the amounts don’t match exactly, the original hold or credit was likely adjusted before being reversed, which is common at gas stations and hotels.
Your Rights When a Provisional Credit Is Reversed
Federal protections under Regulation E, which governs electronic fund transfers, apply at every bank and credit union.
The Bank Owes You a Written Explanation
When your bank finishes investigating a dispute and concludes the original charge was valid, it must send you a written explanation. That notice must also tell you that you can request copies of the documents the bank relied on. If you ask, the bank must promptly provide them.
Five Business Days of Overdraft Protection
After reversing a provisional credit, your bank must honor checks, automatic bill payments, and other preauthorized transfers for five business days without charging you overdraft fees that result from the reversal. The bank must also notify you of the date and amount of the reversal so you can adjust your spending.
You Have 60 Days to Report an Error
If you think the reversal is wrong, timing is critical. You must notify your bank within 60 days of the date it sends the statement showing the entry. After that window closes, the bank is not required to investigate under Regulation E. Your notice can be oral or written, but if you call, the bank may require written follow-up within 10 business days. Ask the representative whether written confirmation is required and get the address.
Once the bank receives a valid error notice, it generally has 10 business days to resolve the issue. It can extend to 45 days (or 90 days for point-of-sale, international, or new-account transactions), but only if it provisionally credits your account within those first 10 business days.
What to Do Next
Match the reversal to the original credit. If you recognize the transaction and understand why the credit came back out, adjust your balance and move on.
If the reversal looks wrong or you cannot identify the original credit, call your bank. Have the exact date and amount ready. Ask what triggered the reversal and request a written explanation if one was not already sent. If a dispute was decided against you, ask for the documents the bank used to make its decision and review them carefully. Banks sometimes get investigations wrong, and the merchant’s evidence may give you something to challenge.
If you believe your bank mishandled a dispute or violated Regulation E, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling (855) 411-2372.
Finally, check your upcoming automatic payments. A reversed credit lowers your available balance, and transfers you scheduled while the credit was in your account may now overdraw it. If the reversal followed a dispute, remember the five-business-day window during which your bank must cover preauthorized payments without charging overdraft fees tied to the reversal.