5543294

DISPUTE ID 5543294. CH disputing 1 Debit UT amounting $89.64 with D Hgate. No claim cancellation. No Merchant Credit found relating to the disputes. As per Penny, Card in possession at the time of transactions. PIN Memorized. Disputed card ending 6455 is closed. Case decision: Denied. VROL Case No. 2282021377. OVERALL INVESTIGATION: With funding event observed from Friend Transfer amounting to $130.00 on 2022-11-10 18:58:14 before the authorization of the disputed transaction from DHgate, REDHILL, GB on 2022-11-11 05:42:51. Balance exhausted after the authorization of the disputed transaction. CH has no prior history with the disputed merchant, hence this is abnormal to the CH. With fraud alerts on the disputed card. Galileo deny code 46,51,59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6455. Galileo deny code 51, 59 was captured with the disputed merchant. RTA response code 51, 59 was captured with the disputed merchant. Penny response code 51, 59 was captured with the disputed merchant. As per RTA, disputed transaction shows INTERNATIONAL: YES RTA response code 46,85,51,59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6455. Penny response code 46, 51, 59, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6455. RTA: AVS RESULT Y AVS Result: D Unknown Value No PII changes captured within UT timeline. No signs of ATO. There is freezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57698215. Case closed.