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Latest Operations - Visa/MC Rules Topics

Deny Dispute if PIN Verified and Chip Read?

10/01/2017

EMV chip card read at the ATM. We have the information that the chip was read and now the customer is claiming unauthorized ATM withdrawals. Can we deny this dispute since the pin was verified and the chip was read? Are we still in compliance?

Provisional Credit Dispute-Customer and Merchant

06/11/2017

If a consumer made a debit card purchase with a furniture company and cancelled it within their 48 hours, how long should it take to obtain a credit/refund? In this case the company failed to issue a credit back and the consumer contacted the bank to dispute the change on 3/16/17. The bank requested to submit the request in writing, which was done on 3/20/17 and on 3/28/17 after the first was not received. The consumer is now complaining about provisional credit. She was told she will not receive any provisional credit and would only receive money back on 5/8/17 if the merchant doesn't dispute it. Is this the proper way to handle a dispute?

Fraud using Verified by VISA

09/04/2016

Our processor says we don’t have chargeback rights since a purchase was made using Verified by VISA. Can we deny the claim since the cardholder’s password was used?

Handling a VISA debit card claim

08/21/2016

If a customer places an order online with a VISA debit card, but never receives their merchandise, do we have to investigate?

Regs On Business Debit Cards and Disputes

09/13/2015

Where can I find the regulations regarding business debit cards and disputes? I know consumers fall under Reg E, but are there different regs for businesses?

Reg E Vs. Visa Regulations-Timeshare Dispute

08/31/2015

Our customer is disputing a charge from a timeshare company. She authorized the charge but has since been told it's a scam. Does this fall under Reg E and/or Visa regulations?

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Most Popular Operations Content

Charge MMA Per Item Fee?

06/17/2018

Can we charge a Money Market account a per item fee for each item that exceeds the allowable 6 withdrawals per month?

Fed Adjustment for Duplicate Presentment-RDC

06/17/2018

We received a Fed adjustment for duplicate presentment (failure to secure)​ for an RDC item​. ​The item was originally processed by our member RDC (blank endorsement) and​ paid in December 2017. The item was subsequently stolen from his home. In January 2018 a second presentment was made via ATM and now includes a​ third party endorsement . The item was credited to the third party's account​ at the other financial institution of which the payee has no ownership. Do I have any breach of warranty claim (presentment or transfer) against​ either the drawn on bank or the second presentment bank?

Rotate Locks On All Surrendered Boxes?

06/17/2018

When a safe deposit box is surrendered by a customer with both keys returned, should the bank request to have the locks rotated on all surrendered boxes, or just if one key is lost?

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