People are unbelievable. Bottom line, did they authorize the debit? Yes. No claim or claim denied, however you want to put it.
Had they returned it, they still wouldn't have a claim until the merchant said the funds would be refunded, and funds didn't show up. The debit would still have been authorized, but the consumer wasn't satisfied with the product. That would be a credit card claim, but not Reg E. It isn't Reg E until a debit/credit happens or doesn't happen, that was supposed to.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell