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Thread: American Express Bluebird provisional credit not received after 10 days
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Old Dec 31, 2017 | 4:33 am
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mia
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Originally Posted by Brianl04
... So o the 13th of December I filed the dispute for $3214 in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the customer. The 26th of December was the 10th day. ...
Which law are you relying on? If it's Regulation E, the nominal ten day period is still running:

TEN-DAY PERIOD.
A financial institution shall investigate promptly and, except as otherwise provided in this paragraph (c), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.
I read this to give American Express 13 business days to tell you the outcome. Ten Business days would be: 14, 15, 18, 19, 20, 21, 22, 26, 27, 28 and the three additional business days would be: 29, 2, 3.
Last edited by mia; Dec 31, 2017 at 4:40 am
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