Posted By: CAKE
REG E - 05/15/14 09:43 PM
I have a customer who is disputing some transactions adding up to less than $200. She claims she lost her card on 5/7 but didn't report it lost until 5/14. The transactions could have been stopped had her card been hot status on 5/7 since all the transactions occurred before 5/14. The "fraudulent" transactions occurred at two merchant locations using a PIN. In looking at the customer card history for two months prior to this incident, these same merchants appear in her history also using a PIN as valid transactions. My question: Is this sufficient supporting documentation to deny this claim? What are the odds that the person who found her card, used it at the same locations she did and also used a PIN rather than signature?