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#1859289 - 10/07/13 10:29 PM reg e dispute question
vidaxi Offline
Member
Joined: Aug 2013
Posts: 66
customer filed a dispute. merchant denied chargeback and presented contract in which the signature of customer does not match. However, customer confirmed that he had contracted the service with merchant for at least 1 year and states he has equipment. Documentation sent back from merchant states contract is valid for 2 years. Are we in Reg E violation if we deny the transaction based on contract even though customer signature does not match.

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eBanking / Technology
#1859300 - 10/08/13 02:57 AM Re: reg e dispute question vidaxi
BrianC Online
Power Poster
BrianC
Joined: Nov 2004
Posts: 6,694
Illinois
Lemme guess...DirecTV???...or perhaps a cel-phone?

Payment Upon Cancellation. You acknowledge that you have provided your credit or debit card account information to us. You understand that you will incur fees and charges as a result of your receipt and use of Service and/or Receiving Equipment, and may incur early cancellation fees and/or equipment non-return fees (as specified in any lease, programming or other service commitment agreement you entered into). By giving us your credit or debit card account information at any time, you authorize us to apply this method of payment, in accordance with applicable law, to satisfy any and all amounts due upon cancellation. You also acknowledge and agree that you are required to maintain current credit or debit card information with us and agree to notify us whenever there is a change in such information, such as a change in the card number or the expiration date and additionally, that DIRECTV may obtain such updated information through payment card networks, card issuers or other third party sources.

If you investigation determines that the charge was applied to the cardholder's account with the merchant, I don't care if it is signed by Mickey Mouse...the customer received benefit from the charge in the form of payment on the account with the merchant and you can deny the claim based on your investigation.

If you determine that the funds went to an account that is not your cardholder's based on the contract signed by someone else, then it is a valid claim.
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