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#2270417 - 05/13/22 03:38 PM Dispute Question
ACBbank Offline
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ACBbank
Joined: Jul 2006
Posts: 4,344
New York City
We have a customer who is disputing a small charge with a restaurant. He clearly indicates that he authorized the charge, but the food was not what he ordered. He did try to resolve the issue with the restaurant, but wasn't able to do so satisfactorily. Since the transaction was authorized, what additional responsibilities do we have?
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"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu

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#2270420 - 05/13/22 04:13 PM Re: Dispute Question ACBbank
BrianC Offline
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BrianC
Joined: Nov 2004
Posts: 6,685
Illinois
None. This is a case of buyer's remorse. The customer can take their issue up with the restaurant manager, Better Business Bureau, Yelp, etc.
This claim does not meet the definition of error in 1005.11 and Visa/MC do not have chargeback rights for buyer's remorse.

The time for your customer to take action was in the restaurant before they paid their bill. That time has passed.
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Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
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#2270487 - 05/16/22 07:30 PM Re: Dispute Question ACBbank
ACBbank Offline
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ACBbank
Joined: Jul 2006
Posts: 4,344
New York City
Brian thank you for responding. Would you it change your opinion if the client claimed he did try too but got no where with the restaurant when he was there?
_________________________
"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu

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#2270490 - 05/16/22 07:38 PM Re: Dispute Question ACBbank
BrianC Offline
Power Poster
BrianC
Joined: Nov 2004
Posts: 6,685
Illinois
No, it would not. This is not a Reg E error no matter how you 'slice' it.
_________________________
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
www.tcaregs.com

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