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Declarar impuestos
obtentor (de semillas)
Dec 21, 2020 12:08
3 yrs ago
68 viewers *
Spanish term

Desconocimiento

Spanish to English Bus/Financial Finance (general)
Estimados: Estoy traduciendo una app para un banco internacional. Me enviaron un listado de palabras por lo que no tengo más contexto que palabras y frases sueltas. Sin embargo, el concepto en cuestión es seguido por los siguientes: "desconoce el cobro", "efectivo", "elevar reclamo al área correspondiente". Desde ya, muchas gracias!
Proposed translations (English)
4 rejection/denial
5 disregard
4 Repudiation
4 Dispute (a charge or a transaction)

Discussion

David Hollywood Dec 22, 2020:
agree with the need to ask for more info from client on this as it's not about peanuts
AllegroTrans Dec 21, 2020:
Not really sufficient context Is there any chance this bank's app might have an English language version? Have you checked? Otherwise, I would be inclined to ask your client
Michelle Lodge Gonzalez Dec 21, 2020:
Unidentified / Unknown Despite the lack of context, I would use the words "unidentified" or "unknown".
Toni Castano Dec 21, 2020:
Unawareness (of payment)??? This is what comes to mind first, but in view of the lack of context I would not even have the lowest certainty level (1)!

Proposed translations

2 hrs
Selected

rejection/denial

(a) A payment order is rejected by the receiving bank by a notice of rejection transmitted to the sender orally, electronically, or in writing. A notice of rejection need not use any particular words and is sufficient if it indicates that the receiving bank is rejecting the order or will not execute or pay the order.

Denied: If your payment was denied, it means that the recipient chose not to accept it. You may be able to find out why on the Activity page. A payment can also show "denied" when a card payment is attempted, but is declined by the card issuer.
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4 KudoZ points awarded for this answer.
50 mins

disregard

hope this helps
Peer comment(s):
neutral AllegroTrans : I would expect some reference or reasoning for 100% confidence. Why exactly would a bank "disregard" a transaction? Doesn't sound like the right term
3 hrs
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2 hrs

Repudiation

"This functionality is used for 'Rebill' or 'One Click' payment. Do not forget to make sure to send a confirmation Email to the customer each time you rebill his card, to avoid payment repudiation and chargeback."
https://documentation.lemonway.com/en/directkit/money-in-%3A...

"The method also includes receiving (and subsequently forwarding) either a payment authorization or a payment repudiation responsive to the communication from the user by way of the authenticating device."
https://patents.justia.com/patent/9020859

"Consequently, merchants who accept credit and debit payments via SSL are treated according to MOTO (mail-order/telephone-order) rules – meaning that merchants take the risk that the consumer may repudiate the transaction."
https://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.20...

I hope this helps. Good luck!
Peer comment(s):
neutral Francois Boye : Repudiation is associated to a contract. See Investopedia
30 mins
2 of the 3 references I've provided talk about customers repudiating transactions, I don't think they are associated with contracts.
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33 days

Dispute (a charge or a transaction)

What comes to my mind with "desconocer el cobro" is that situation in which you are a victim of debit or credit card fraud. At least, I have heard that expression only in those particular situations. If that happens, you can dispute that credit card charge (or that credit card transaction) to avoid being held accountable for an unauthorized purchase. This same term is also used on the official website of the Bank of America and of Citibank. Apart from being used on those websites, this expression also appears on the Consumer Financial Protection Bureau's Glossary of Financial Terms.

Another possible equivalent could be "report unauthorized charges", which is used in several official websites, such as PayPal and Google Payments Center Help. However, I do agree with the rest. More context is needed as it could be about a non-fraudulent transaction.
Hope this helps.

Sources:

Bank of America: https://www.bankofamerica.com/help/how-to-dispute-a-charge/#...

Citibank: https://www.online.citibank.co.in/portal/DT/DTBlog/index.htm...

Glossary of English - Spanish Financial Terms by the Consumer Financial Protection Bureau: https://s3.amazonaws.com/files.consumerfinance.gov/f/documen...

Paypal: https://www.paypal.com/us/smarthelp/article/how-do-i-report-...

Google Payments Center Help: https://support.google.com/paymentscenter/answer/9074244?hl=...
Example sentence:

Consumers can dispute fraudulent charges on their bill by calling their issuer.

If you still don't recognize the charge and think it is fraudulent, report it to us.

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