5470606

DISPUTE ID 5470606. PTF Claim. CH disputing 2 Debit UT amounting $163.52 with Progressive and Progressive Ins . Reg E. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card in possession at the time of transaction. PIN memorized. Case decision: Denied. VROL Case #: 2277054077, 2277058003. Disputed card ending 6230 is closed. OVERALL INVESTIGATION: With funding event observed via RDC Treasury Check Release amounting to $1381.04 on 2021-03-30 16:15:32 before the authorization of the disputed transaction from PROGRESSIVE *INSURANCE, 800-776-4737, OHUS on 2021-03-31 10:54:32. With funding event observed via Card to Card amounting to $80.00 on 2021-04-29 18:39:24 before the authorization of the disputed transaction from PROGRESSIVE INS, 800-776-4737, OHUS on 2021-04-30 02:37:21. Balance almost exhausted after the authorization of the last disputed transaction. Disputed transaction has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. Cash in cash out was observed within the UT timeline. No suspicious declined codes within UT timeline. No fraud alert/indication. VISA: AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57161135. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2021-03-29 to 2021-05-03 trxn type: moto 7 entry mode 10