Fraud and unauthorized - Reg E

I’m not 100% sure I understand the question since you added the clarification, but I’ll give this a shot. Fraud is an unauthorized transfer, but not all unauthorized is fraud. As to “complaints” the consumer may complain they were dissatisfied with the product or service – that doesn’t matter to Reg E. “E” is concerned as to whether or not the transfer was authorized, not that the consumer was happy with it.