Answer:
You take the fraud dispute because they said “I’m John Smith, my account 1234 had $100 taken that I didn’t authorize…” At that moment you have a claim and your 10 day clock has started. The consumer identifies themself, their account, and why they believe an error exists. That is all that is required, orally or in writing, for them to file a claim with the bank. There is no such thing as friendly fraud. There is fraud, and there are authorized transactions.
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