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Documentation Proof of Authorized Transaction?

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Question: 
We have a customer that claimed that there were two unauthorized charges on his account from a company that he or his wife have never ordered anything from. He also claimed that he never received anything from this company. We gave him his provisional credit and sent chargeback requests. We then received documentation from the company that his wife ordered a product online line and was informed that this product would be sent to the house monthly and a monthly charge would come out of the account. The company had no signature but it had her email address and the address that the products have been shipped to. We researched the statements and this charge has been coming out monthly since November of 2006. Is this sufficient proof that the order was authorized? In more general terms, what would be considered proof of an authorized transaction?
Answer: 

There is no set standard on what is enough. The burden is on you to prove that transactions are authorized. But there is no test such as "beyond a reasonable doubt."

If the charges have been coming out for this long, and the retailer had an electronic agreement, based on what you have said (I'd have snapshots of the "Agree to" screens if possible in the file) I would be inclined to say the charges were authorized. Electronic agreements are certainly sufficient.

First published on BankersOnline.com 6/02/08

First published on 06/02/2008

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