5338493

Dispute ID: 5338493. DND: 2022-10-19. REG E claim. CH is disputing 1 UT from Target amounting to $150.00. As per Penny, card not in possession at the time of the transaction. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 7196 is closed. INVESTIGATION FOUND: TRNX TYPE: STAR UT TIMELINE: 2022-10-13 to 2022-10-19 Disputed transaction from TARGET T-0883 777 E Colorado Blvd, Pasadena, CAUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. With presence of funding observed from Incomm API Load amounting to $400.00 on 2022-10-13 18:31:54 before the authorization of the disputed transaction from TARGET T-0883 777 E Colorado Blvd, Pasadena, CAUS on 2022-10-15 17:22:42. Low ending balance after the authorization of the disputed transaction from TARGET T-0883 777 E Colorado Blvd, Pasadena, CAUS on 2022-10-15 17:22:42. Galileo deny code 51 was captured with the disputed merchant. Galileo deny code 55 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending. The disputed card present EMV transaction is within the vicinity with the member's address on the account, approximate time 4mins. No RTA response code with the disputed merchant, TARGET T-0883. RTA response code 51,55,85 was captured within UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 7196.
No fraud alerts. RTA: AVS RESULT B No PII changes captured within UT timeline. No signs of ATO. No third party access to the disputed card. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56126589. Unable to file FR for STAR transaction, no STAR access. Case closed.