Unknown Merchant (Bank Adjustment / Goodwill Credit)

Based on the format of the descriptor—repeating numeric strings, a clear transaction amount, date/time stamp, and the phrase "goodwill credit"—this appears to be an internal bank or card-issuer adjustment rather than a purchase from a specific merchant. Banks often use numeric reference IDs in place of merchant names for manual credits, corrections, dispute reversals, or service-related goodwill gestures.

A line like this may appear on your statement when your bank issues a credit to correct a prior error, refund certain fees, resolve a dispute outcome in your favor, or provide a goodwill credit due to a service issue. The amount (331.44) and the "CRDT" (credit) notation indicate funds being added back to your account, not a debit. Because this is an internal posting, there is no traditional merchant with a storefront, website, or brand behind it.

If you have questions about this item, the best path is to contact your card issuer or bank directly using the phone number on the back of your card or within your banking app. Have the full descriptor, date, and amount ready so support staff can locate the transaction in their system. They can confirm why the goodwill credit was issued, whether it relates to a dispute or prior charge, and provide any supporting documentation or statements for your records.