Reviewing an unauth claim made on 12/17 and subsequent letter rescinding the claim signed on 1/23. No prov credit was ever made during this time because notification to rescind was communicated over the phone before the 10 days even though the cust did not come in to sign letter until 1/23. I don't consider this to be a prov credit violation.

Since the claim was withdrawn prior to the 10th business day, I agree that provisional credit would not be required. Rather than waiting until the customer came in to sign a letter withdrawing the claim, from an audit standpoint, it is better practice to send the customer a letter at the time they orally communicate that they are withdrawing the claim.

Dear Customer, as a result of your withdrawal of a claim of an electronic funds transfer error, we are closing our investigation into your claim...

This provides a better paper trail demonstrating why provisional credit was not provided.

Good point, thank you...