Right decision, wrong tool. By revoking the provisional credit, you triggered the overdraft coverage rule. But if you finalized the investigation by making the provisional credit final, BUT announcing you're taking back the duplicate payment received from the merchant, I think you avoid the overdraft coverage trap.
Is Brian in the house?
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8