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In Response To:
Thread Starter: Anonymous
Title: Re: Reg. E - Unauthorized & Provisional Credit Timing

Grandma claims over $7,000 in unauthorized charges on her account, she notifies bank of this 2/16. She worked to get refunds/money back on some of them, as it seemed her grandson used her card, although she claimed he didn't. She then comes back to bank stating only $4,000 needs to be disputed; it is then bank knew a total on what transactions were actually being disputed. Bank then provided provisional credit to customer for $4,000, but this happened to be longer than 10 days after the initial notification to the bank of the dispute on 2/16. In this scenario is it okay we waited to provide provisional credit, since we didn't have all/clear info from customer on 2/16 (or even within 10 days of this date)?