5479453

Dispute ID: 5479453. CH disputing 4 Debit Unauthorized Transaction from Uber and Ubr Pending Uber Com for $59.93. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at time of transactions. PIN memorized. Disputed card ending 5517 is closed. Case Decision: Denied. VROL Case #:2277614394, 2277614395, 2277614396,2277614426. Overall Investigation: With funding event observed via Card to Card amounting to $200.77 on 2022-11-02 23:36:05 before the authorization of the disputed transaction from UBR* PENDING.UBER.COM, SAN FRANCISCO, CAUS on 2022-11-03 11:37:11. Observed funding within the UT timeline. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 55 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5517. RTA response code 85 was captured with the disputed merchant. RTA response code 85,55 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5517. Member has transaction history with the disputed merchant Uber since July 2019. Disputed merchant UBR* PENDING.UBER.COM has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. RTA: AVS RESULT N AVS RESULT N AVS RESULT Z AVS RESULT Z VISA: AVS Result: Address verification not applicable AVS Result: Address verification not applicable AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not PII change of address was captured within the UT timeline There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD #57218322. Case closed.

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