Zero Liability covers lost, stolen and compromised cards so there that does not apply either. If we submit the chargeback as 'unauthorized' all the merchant has to do is provide proof that the customer provided the information and we lose the claim.
Submitted as "Services not received" makes the merchant prove that they actually fixed the computer (which they likely won't be able to do.)
V/MC do require that we attempt to assist the cardholder (to protect the brand integrity) assuming they satisfy the requirements of the chargeback. (e.g. merchant contact, a detailed description of what was promised vs. what was delivered, etc.) The Bank should not take a loss as there is no Reg E protections, but we are required under our V/MC contract to try and recover the funds for our customer.
These are the exact type of questions I'm tackling next week.
VISA and Reg E Error ResolutionMastercard and Reg E Error Resolution
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