Revoking provisional credit is done when we determine that no error has occurred. Rather than sending the "denial" letter, revoking provisional credit, and committing yourself to honoring overdrafts for 5 business days, send a letter that states that you determined an error did occur and are finalizing the provisional credit. Also state that during your investigation you determined that the cardholder received a duplicate credit and are debiting the account for the duplicate credit.
This separates the debiting of the account from your Reg E investigation.
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