If this is intended to reflect that the consumer was under duress, I don't believe that exception applies. If your consumer has a gun to his head at the ATM, that is duress. As was noted, this isn't the consumer and alternate payment methods should have been available.
The charge was authorized.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell