Posted By: WABComply
Donation/Fraud- Regulation E? Visa Rules? - 01/13/20 02:36 PM
I have a situation and need some assistance. I have a case in which a customer used their debit card/VISA to make a donation to a local school PTA. The Donation was in July. In August the school sent an email to the parents advising that the company they used to get the donations from shut down and has not given them any money in May and June. The customer alerted the Bank in October. The case was submitted to our 3rd party vendor as "consumer dispute". The vendor needed more information but the customer never responded. They closed the case. It was re-opened by the Bank. Again the vendor requested information and again it was closed due to no response and we were advised that we are now 120 past the time of transaction and no charge back can be given.
The Bank completed a formal letter advising the claim was rejected. Then the customer finally responded by giving the Bank a copy of the email notification from August.
I do not see this as a Reg E Claim, however our debit card is tied to VISA. 2 things- 1: Am I correct that this is not a Reg E claim? 2: Due we owe the customer the refund? There is no product being received since it was a donation. Also the NY DOJ opened a case.
I feel we did our diligence and no further action is required. Help please. Thanks.
The Bank completed a formal letter advising the claim was rejected. Then the customer finally responded by giving the Bank a copy of the email notification from August.
I do not see this as a Reg E Claim, however our debit card is tied to VISA. 2 things- 1: Am I correct that this is not a Reg E claim? 2: Due we owe the customer the refund? There is no product being received since it was a donation. Also the NY DOJ opened a case.
I feel we did our diligence and no further action is required. Help please. Thanks.