I came across the following post in the Guru Q & A - https://www.bankersonline.com/qa/reg-e-provisional-credit-5-day-reversal
This doesn't quite address another situation that I was interested in finding an answer on. What if the bank makes a final decision on the dispute and issues the notification that the provisional credit has been made final, but subsequently determines the merchant also reimbursed the customer. I have come across some posts about this being "unjust enrichment," but it sounds like you have to file a civil suit to get such moneys back. Is that correct, or is there a way for the bank to just take the monies back? What if the bank gave provisional credit under Reg. E when they didn't have to, such as if it was really just a merchant dispute, rather than a valid Reg. E Error Resolution situation? Then, could a bank take the money back under the pretense that this was a bank error that they are entitled to recoup?