Answer:
A customer cannot dispute a transaction that has not and may never post to their account. Until it posts, there are no required actions to be taken by the bank.
Reg E Pending DC DIspute- 10 Day Rule
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Question:
Reg E - If a customer reports a dispute on a debit card item that is still pending, does our 10-day provisional credit begin when they report the pending item or when the item actually hard posts to the account? If it starts while the transaction is pending, what if the item posts after the 10 days?
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