1005.18 has details on error resolution for prepaids and there are a bunch of new variables to consider. (FWIW, I have not researched this. You're the first banking asking that I have seen.) Is it payroll, has the ID of the consumer been verified?
Generally speaking it does reference back to 1005.6 and 1005.11 when these rules apply and those I am familiar with. Did you require a written confirmation of the claim and provide the mailing address? When following 1005.11 if you did this you can avoid provisional credit when there is not a timely response to your request.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell