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Reg E Claim/Liability for Gas Pump Card Swipe?

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Question: 
We have a customer that swiped her card at a gas pump, thought it wasn't working so went to another pump. The next person in line, used the same pump. Their charge was processed to our customer's card since she had swiped her card. Would this be a Reg E claim and if so would 50.00 liability apply since card was not lost/stolen?
Answer: 

This meets the same definition of customer negligance as writing the PIN on the back of the card. The gas charge is not authorized, and the cardholder received no benefit from it. The argument about whether or not leaving the card information stored in the gas terminal could be considered a lost access device is moot since VISA/MasterCard Zero Liability will wipe out the $50.00 consumer liability anyway.

First published on BankersOnline.com 6/17/13.

First published on 06/17/2013

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