[Bank Statement Woes] While Examining Her Bank Statements in July

question 46

Multiple Choice

[Bank Statement Woes] While examining her bank statements in July, Ariel found several questionable items and telephoned her bank to sort out the problems. First, Ariel was charged $50 in a recurring direct withdrawal for her yoga class. However, Ariel had notified the bank at 4:30 p.m. the previous day that she wanted to cancel the automatic payment. Second, Ariel noticed two EFT payments in February to a veterinarian in another state, which Ariel is certain she did not authorize, since she does not have a pet. Third, Ariel noticed several EFT payments for a magazine subscription, which Ariel did not authorize and she never received any magazines. Also, Ariel wants to stop payment on an internet order she made two hours ago for an expensive watch.
-Is Ariel correct that the recurring charge for the yoga class should be removed because she had notified the bank to cancel the automatic payment?

• A) No, because she did not notify the bank at least three days before the preauthorized payment was scheduled.
• B) No, because she did not notify the bank at least twenty-four hours before the preauthorized payment was scheduled.
• C) No, because she did not notify the bank at least one business day before the preauthorized payment was scheduled.
• D) Yes, because she notified the bank at least one business day before the payment was scheduled.
• E) Yes, because she notified the bank to cancel the payment.

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Definitions:

Medical Model

An approach to understanding and treating mental disorders by focusing on biological and physiological explanations and treatments.

Anatomical Deviation

A variation from the normal anatomical structure or position, which may be congenital or acquired.

Unconscious Causes

Factors that influence behavior and decisions without the individual's awareness.

Alphabetical Classification

A method of organizing items or information according to the sequence of letters in the alphabet.