More Reg E Questions

I have some additional Regulation E questions that I was hoping to get feedback on. We have seen an uptick in oral disputes and when we reach out to the cardholder (This is a prepaid card program) for additional information we often don't hear back from the customer. We do start our investigation but would like to delay the PC until we complete our review. Are we able to delay the PC on oral disputes if the cardholder does not respond to our inquiries?

If we are unable to make a determination because we don't hear back from the cardholder are we able to deny the claim?

1005.18 has details on error resolution for prepaids and there are a bunch of new variables to consider. (FWIW, I have not researched this. You're the first banking asking that I have seen.) Is it payroll, has the ID of the consumer been verified?

Generally speaking it does reference back to 1005.6 and 1005.11 when these rules apply and those I am familiar with. Did you require a written confirmation of the claim and provide the mailing address? When following 1005.11 if you did this you can avoid provisional credit when there is not a timely response to your request.