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

When a customer only tells the bank that there are some unauthorized withdrawals and hasn't identified which transaction are in question, you don't have a claim unless the customer asks for more information on one or more of the transactions. But if the customer's notice is no more than "I don't recognize some of the withdrawals from my account," the bank needs to get the customer to pin down which transactions are being challenged before there is a valid claim that starts the 10-, 45-, or 90-day clock.