5595833

Dispute ID: 5595833. REG E claim. CH is disputing 1 Debit UT from Walmart amounting to $54.54. As per Penny, card in possession at the time of the transaction and PIN memorize. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 6001 is closed. Case Decision: Denied. Unable to file FR for STAR transaction, no STAR access. OVERALL INVESTIGATION: The disputed transaction from WAL-MART #2123 4000 NEW BOSTON ROAD, TEXARKANA, TXUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. Galileo deny code 78 was captured within the UT timeline but not related with the disputed transaction however, they are on the disputed card ending 6001. No fraud alert/indication. With history from the disputed merchant, hence this is normal to the CH. RTA/ Penny response code 85,78 was captured within the UT timeline but not related with the disputed transaction however, they are on the disputed card ending 6001. Penny response code 78 was captured within the UT timeline but not related with the disputed transaction however, they are on the disputed card ending 6001. No Penny/ RTA response code was capturedwith the disputed merchant. No Galileo deny code was captured with the disputed merchant. RTA: AVS RESULTB PII change of address was captured within the UT timeline. 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 #58024454. Case closed

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