5423262

DISPUTE ID 5423262. DND 2022-10-31 CH disputing 3 Debit UT amounting $415.75 with T Mobile and Amazon. Reg E. Old account. Card ending in 8154 is closed. No claim cancellation. No Merchant Credit found as of this time. Investigation as per PDIF Card in possession at the time of transaction. PIN memorized. Case decision: Denied. VROL Case #:2274828325,2274823920,2274830161. OVERALL INVESTIGATION: With multiple previous transaction history from T Mobile that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting month of June 2022 up until recent transaction showing that CH is doing business with the disputed merchant. Disputed merchant T Mobile has entry mode 10 credential on file. With presence of Direct Deposit via WHATABURGER OF A, Payroll amounting to $1628.79 on 2022-10-27 14:10:09. Prior to the deposit the member's account balance is exhausted. Member has prior deposits from the same depositor since April 2022 up to October 2022. Member has previous transaction with the disputed merchant Amazon. Galileo deny code 43 was captured with the disputed merchant AMAZON. Galileo deny code 51 was captured with the disputed merchant TMOBILE. Galileo deny code 43,51 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8154. RTA response code 85,43 was captured with the disputed merchant AMAZON. RTA response code 85 and 51 was captured with the disputed merchant TMOBILE. RTA response code 43,85,51 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8154. No fraud alerts. RTA: AVS RESULT Z AVS RESULT Z AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not 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 #56908659,56908714. PVC scheduled for reversal on 2022-11-09. Case closed. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-10-26 TO 2022-11-02 TRNX TYPE: Moto 7 Entry Mode 10 Moto 7 Entry Mode 10