5850679

Dispute ID: 5850679. CH disputing 27 Debit Unauthorized Transaction from multiple merchants for $188.66. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card not in possession at the time of the transaction and PIN memorized. Disputed card ending 1236 is closed. Case Decision: VROL Case #: Overall Investigation: With funding event via Card to Card amounting to $1.51 observed on 2022-11-19 00:28:30 before the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-11-19 00:28:53. CH has a Spotme limit of $20.00 which enabled the transaction to go through. With history from APPLE.COM/BILL, 866-712-7753, CAUS. Disputed transaction has entry mode 10 credential on file. Disputed merchant Brigit,Cleo, CLEO AI, Empower Advance is abnormal to the CH. No prior history. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 51, 59,57 was captured within the UT timeline on the disputed card. RTA response code 85,51,59,10,57 was captured within the UT timeline on the disputed card. Penny response code 51,59,57,10,was captured within the UT timeline on the disputed card. With fraud alerts. Disputed merchant APPLE.COM/BILL 866-712-7753 CAUS, EMPOWER ADVANCE +18889438967 CAUS, CLEO AI +18333133171 DEUS transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. As per RTA: AVS RESULT is Y and Z As per VISA: AVS Result: Y Exact: address and ZIP match AND AVS Result: Z ZIP matches, address does not.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-10-09 to 2022-12-20 Moto 7 Entry Mode 01 Moto 7 Entry Mode 10 Moto 2 Entry Mode 10 FR: 5