5210488-1

Dispute ID: 5210488-1. DND 2022-10-02. REG E claim. Old account. CH is disputing 2 UT from www.Playgr* Bidiboo amounting to $58.98. As per VCF, card not in possession at time of purchase. PIN stated as "Phone". No merchant credit found as of this time. No claim cancellation. Card ending in 0174 is closed. Trxn Type: Moto 7 Entry Mode 1 Card-Absent with CB rights, INVESTIGATION FOUND: With funding event observed on 2022-09-22 19:37:54 before the authorization of the disputed transaction from WWW.PLAYGR* BIDIBOO.CO on 2022-09-22 19:39:05. Balance exhausted after the authorization of the last disputed transaction. No fraud alerts. As per Galileo, deny code 43 was captured within UT timeline but not related with the disputed merchant. It can also be noted that it is not with the disputed card. As per Galileo, deny codes 57,59 was captured within UT timeline but not related with the disputed merchant with the disputed card ending number 0174. As per Galileo, deny code 57 was captured within UT timeline related with the disputed merchant with the disputed card ending number 0174. As per RTA, response code 57,59,85 was captured within UT timeline but not related with the disputed merchant. AVS RESULT N. As per RTA, response code 43,57 was captured within UT timeline but not related with the disputed merchant. It can also be noted that it is not with the disputed card. As per RTA, response code 57 was captured within UT timeline related with the disputed merchant. There is freezing, unfreezing of the disputed card within UT timeline (suggesting full control of account) No PII changes. No signs of ATO. There is enough evidence to deny the claim. Final resoultion, no error found. Sent ZD #55272598. Filed FR ROLCase #5218964538,5218962211. Case closed.