C_Groat forgot to mention the most important step: Decide if you want this customer to continue having a debit card (or an account with you, for that matter). You still need to follow through on the current problems, but you don't need to be further victimized by this customer.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8