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#1202974 - 06/17/09 08:29 PM Debit Card "Dispute"
Inquisitor / Sommelier Omega Offline
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A Grant Wood painting.
Our customer picked up a horse that was being boarded. They had not feed the horse but would not allow the customer to take the horse unless they paid the boarding fee. The custoemr used thier debit card and would now like to dispute the transaction. Any ideas?
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#1202990 - 06/17/09 08:35 PM Re: Debit Card "Dispute" Inquisitor / Sommelier Omega
Skittles Offline
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TN
If the customer willingly gave them their debit card this would not be an unauthorized transaction per Regulation E.
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#1202999 - 06/17/09 08:39 PM Re: Debit Card "Dispute" Skittles
John Burnett Offline
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Cape Cod
Agreed. The customer authorized the transaction. He or she should go "nag" the service provider (pun intentional).
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#1203027 - 06/17/09 09:05 PM Re: Debit Card "Dispute" John Burnett
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A Grant Wood painting.
I understand her only recourse is with the stable. To be honest I am more worried about my obligation. I don't want to get hung out to dry by missing another oportunity to give away money. (Why didn't they just write a check?)
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#1203051 - 06/17/09 09:21 PM Re: Debit Card "Dispute" Inquisitor / Sommelier Omega
rlcarey Offline
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Galveston, TX
Or put it on a credit card.
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#1203838 - 06/18/09 07:11 PM Re: Debit Card "Dispute" rlcarey
Andy_Z Offline
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If this is intended to reflect that the consumer was under duress, I don't believe that exception applies. If your consumer has a gun to his head at the ATM, that is duress. As was noted, this isn't the consumer and alternate payment methods should have been available.

The charge was authorized.
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#1204731 - 06/19/09 08:12 PM Re: Debit Card "Dispute" Andy_Z
C_Groat Offline
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Salt Lake City, UT
It may not fall under Reg E as customer gave card for the purchase, but customer could still have a dispute right under MasterCard or Visa's dispute resolution rules. Not much detail was provided regarding the claims, but it may be something to think about. Just because it does not meet Reg E, does not mean there is nothing you can do.

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