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eCommerce, Debit Cards, and Dispute Resolution

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A customer ordered an item on e-Bay paying with her Debit Card. She then tried to cancel the order but could not. She acknowledges that she ordered the item, but changed her mind. We submitted a dispute for the transaction and it was denied. Do we have to "eat" that transaction or can it be charged to the customer?

Reg. E isn't concerned with satisfaction of the product as Reg. Z would be. It only cares if the transaction was authorized.

Depending on the timelines which were not provided, I would assume this is similar to a check card withdrawal or stop payment request on a check. That is, there has to be enough time to complete the request for the stop. In this instance there was perhaps not enough time to complete the stop and the authorized transaction was completed. The customer received the goods or services purchased and no error occurred.

First published on date 12/2/02

First published on 12/02/2002

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