Diane is on the right track.
If I am sent something I didn't order, I have no obligation to take my time and/or expense to return it. I didn't authorize the charge, Mr. Banker, and I want my money back in my account.
Now it is up to you to determine not if they like the quarters, but if they in fact ordered them and authorized the charge. That is your case at hand. Was the charge authorized or not?
Telling them to return them and ask for a refund doesn't fulfill your Reg E obligation.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell