Quote:
Originally Posted by juliasara
Plus his reason for doing the charge backs was unauthorized use
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Unauthorized use is a powerful consumer tool and can be difficult to fight. So, as you pointed out, it is separate from the MBD, and as such, provides an entirely different and additional defense.
It might be difficult to prove the requisite initial intent required for theft if there is a claim that the transaction was unauthorized.
I'm not saying the barriers are insurmountable, but I'm saying there are substantial difficulties, in my opinion.