: A bank or merchant error correction that resulted in funds being returned to your balance. How to Identify the Original Source

Here is a short story inspired by that mysterious string of text: The Phantom Refund

: Conversely, this indicates a Debit , representing a payment made or funds withdrawn from your account. What Is the POS ADJUSTMENT CR Charge? | Slash

: If you recently returned an item or cancelled a service paid for via NETS, the merchant may have processed a refund back to your card.