I feel quite silly asking this because I've done disputes for many years now, and this is a first (for me) - I guess I was just lucky and never had one like this.
This is not actually one of my customers, but it's happening to someone I know so I'd like to provide her with information to assist her (she's elderly).
She authorized grandson to use her debit card by allowing him to use it and gave him the pin. She knows and agrees with this and until now he's never abused that right.
Money was stolen out of her account via card access at ATM's. She filed a police report initially indicating she suspected it was her grandson because he has not been back for a few days now (he's adult).
Her bank denied the claim because she authorized him to use the card and didn't inform them when authorization is revoked(which is correct)
Come to find out, he didn't use the card, but another person he was with. Photographs from some of the ATM's have been retrieved by law enforcement. Apparently he didn't do the transaction, but gave the card and pin to someone he was with and that person did the transaction (he is seen in the background of the photos, not at the machine doing the transaction).
My question is, does he have the right to authorize another person to use the card... basically granting authorization to another? My gut reaction is only the owner of the account can authorize users, but this is where I'd like input to be sure.