Do any of the following merchant disputes (non-fraud) fall under Regulation E?
1. Returned merchandise: No credit provided by the merchant.
2. Cancellation on a single transaction: Customer authorized the merchant to debt their account for XXX, but called to cancel before the merchant charged.
3. Cancellation after transaction posted. Either no response was given or the merchant refused to issue a refund.
a. Customer authorized an online order, but immediately called to cancel.
b. Customer authorized and booked a hotel reservation, and later, cancelled their reservation.
c. Customer authorized a merchant to service their computer due to a virus, but found out that the company was conducting a scam, the customer immediately attempted to cancel.
4. Paid by other means: Customer’s dispute claims that a transaction was also paid using another method; however, they are unable to provide us proof of that other payment.
5. “Other": Customer has provided information to identify a specific transaction on their account; however, does not provide a reason as to why they are disputing?