The Reg E clock started on 11/21. Reg E states you may request, but cannot require, additional effort on the part of your customer, right?...As in, merchant contact. So the fact that your customer did contact the merchant, didn't [really] change much.
Last edited by burkemi; 12/09/16 06:09 PM.
In similar situations, we have acknowledged the merchant's promise to refund, but we started the timer on the same day we were notified. We monitor the account as long as we can (10 business days). If the refund has been satisfied in full, we close the dispute and notify the customer. If no refund has been issued, or issued for a smaller amount, we issue provisional credit and begin the merchant dispute process.
I reject your reality and replace it with my own.