What a timely subject! We are currently in the process of reviewing our EFT disclosure and we have discovered that we have extended the 5-day provisional credit to "Visa point-of-sale transaction"s. We left out the word "unauthorized".
I know that we must honor our disclosure until we can initiate a notice of change to our customers, BUT, in looking over other national vendor EFT disclosures, I don't see the word "unauthorized" in those disclosures either.
How is everyone else disclosing the 5-day provisional rule in the Error Resolution notice?