Intelligently selecting models for resolving pending debit transaction disputes across computer networks

A system comprising:

• at least one processor;
• and
• a non-transitory computer readable medium storing instructions that, when executed by the at least one processor, cause the system to:
• receive, via a client device on an inter-network facilitation system, a reported issue communication for a debit transaction that is in a pending state;
• generate, utilizing a machine learning model of the inter-network facilitation system, an issue classification from the reported issue communication;
• monitor a settlement computer network to identify a settlement comprising settlement features for the debit transaction;
• compare the settlement features and features of the debit transaction corresponding to the reported issue communication to determine a status change classification comprising a change between the settlement features and the features of the debit transaction;
• select a direct dispute filing model from a plurality of dispute filing models based on a dispute confirmation probability for the issue classification based on the status change classification, the plurality of dispute filing models comprising the direct dispute filing model and a client confirmation dispute filing model;
• executing the direct dispute filing model by
• transmitting a dispute communication comprising a debit transaction dispute to a dispute computer network by transmitting signals to modify internal databases at a server device based on the issue classification from the reported issue communication;
• and
• transmitting a direct dispute notification to the client device for the reported issue communication comprising the status change classification;
• generating, utilizing the machine learning model, an additional issue classification from an additional reported issue communication from an additional client device for an additional debit transaction that is in the pending state;
• comparing additional settlement features and additional features of the additional debit transaction to determine an additional status change classification of the additional debit transaction;
• selecting a client confirmation dispute filing model from the plurality of dispute filing models based on an additional dispute confirmation probability for the additional issue classification based on the additional status change classification;
• executing the client confirmation dispute filing model by:
• transmitting a confirmation request to the additional client device;
• and
• based on receiving a confirmation response from the additional client device in response to the confirmation request, transmitting an additional dispute communication that comprises an additional debit transaction dispute to the dispute computer network by transmitting signals to modify the internal databases at the server device based on the issue classification from the reported issue communication;
• and
• transmitting a client confirmation dispute notification to the additional client device for the reported issue communication comprising the additional status change classification.

A non-transitory computer readable medium storing instructions that, when executed by at least one processor, cause a computing device to:

• receive, via a client device on an inter-network facilitation system, a reported issue communication for a debit transaction that is in a pending state;
• generate, utilizing a machine learning model of the inter-network facilitation system, an issue classification from the reported issue communication;
• monitor a settlement computer network to identify a settlement comprising settlement features for the debit transaction;
• compare the settlement features and features of the debit transaction corresponding to the reported issue communication to determine a status change classification comprising a change between the settlement features and the features of the debit transaction;
• select a direct dispute filing model from a plurality of dispute filing models based on a dispute confirmation probability for the issue classification based on the status change classification, the plurality of dispute filing models comprising the direct dispute filing model and a client confirmation dispute filing model;
• executing the direct dispute filing model by
• transmitting a dispute communication comprising a debit transaction dispute to a dispute computer network by transmitting signals to modify internal databases at a server device based on the issue classification from the reported issue communication;
• and
• transmitting a direct dispute notification to the client device for the reported issue communication comprising the status change classification;
• generating, utilizing the machine learning model, an additional issue classification from an additional reported issue communication from an additional client device for an additional debit transaction that is in the pending state;
• comparing additional settlement features and additional features of the additional debit transaction to determine an additional status change classification of the additional debit transaction;
• selecting a client confirmation dispute filing model from the plurality of dispute filing models based on an additional dispute confirmation probability for the additional issue classification based on the additional status change classification;
• executing the client confirmation dispute filing model by:
• transmitting a confirmation request to the additional client device;
• and
• based on receiving a confirmation response from the additional client device in response to the confirmation request, transmitting an additional dispute communication that comprises an additional debit transaction dispute to the dispute computer network by transmitting signals to modify the internal databases at the server device based on the issue classification from the reported issue communication;
• and
• transmitting a client confirmation dispute notification to the additional client device for the reported issue communication comprising the additional status change classification.