A consumer purchases a meal at a restaurant or gets a hair cut at a salon and they are not satisfied with the meal or hair cut, so they dispute the transaction with the bank. Obviously this is not a Reg E error, nor is it unauthorized. So do we just explain this to the customer, or do we still owe them a "no error" letter under EFT basically explaining no error occurred because the transaction was authorized? and if so, does anyone recommend in the letter that the consumer contact the merchant to discuss the issue with the service?

Thanks in advance!

because i find humor everywhere...get ready for a letter from the customer complaining about your response as to why this is not a Reg E claim...

yes, send the Reg E letter that you find no error as it was authorized