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DC Dispute: Wrong Address (Reg E)

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We have a customer that is disputing a charge on her debit card. The charge is for merchandise that was in the name of and delivered to the address of a co-worker. She is saying she didn't authorize it and the co-worker is saying she didn't make the purchase. All card information, including CVV, was entered when the purchase was made, even though the address didn't match the cardholder's address. Can she dispute this? It just appears that someone is trying to 'beat the system?"

Yes she can dispute it. It will be up to the bank to determine the validity of the claim. Either way, she should become an ex-customer once you make your decision. If the co-worker denies making the purchase, she should have no issue with immediately returning the merchandise.

First published on 01/27/2019

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