5374012-1

Dispute ID: 5374012-1. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $435.50. Dispute Notification Date:2022-10-25. Case Decision: Denied. VROL Case: #2273036142,2273036146,2273036153,2273036161 .
OVERALL INVESTIGATION: Disputed card ending in 2508 is closed. UT timeline: 2022-10-15 to 2022-10-27 As per Penny card status is unknown. PIN stated as "Password manager" With partial merchant credit from U-HAUL MOVING & STORAG, SAINT LOUIS, MOUS amounting to $2.94 that settled on 2022-10-26 . No claim cancellation. With funding event observed from Visa Money Transfer on 2022-10-17 05:44:41 amounting to $5.75 before the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-10-17 21:35:35. With funding event observed from Visa Money Transfer on 2022-10-19 12:01:42 amounting to $25.16 before the authorization of the disputed transaction from CASH APPBEEADD CASH, Visa Transfer, CAUS on 2022-10-19 12:59:16. With funding event observed from Visa Money Transfer on 2022-10-21 19:30:21 amounting to $29.48 before the authorization of the disputed transaction from PAYPAL UBER EATS, 4029357733, CAUS on 2022-10-21 20:37:46. Galileo deny code 43,51,05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2508. Galileo deny code 51 was captured with the disputed merchant, CASH APPBEEADD CASH Visa TransferCAUS, APPLE.COM/BILL www.apple.comCAUS, PAYPAL UBER 4029357733 CAUS. Galileo deny code 57, 59 was captured with the disputed merchant, U-HAUL MOVING & STORAGESAINT LOUIS MOUS. No fraud alerts. Member has previous transactions with the disputed merchant, Cash AppBeeAdd Ca. Member has previous transactions with the disputed merchant, APPLE.COM/BILL 866-712-7753 CAUS. The disputed merchant has entry mode 10 credential on file which suggest that member did authorized the merchant his/her card details. RTA response code 85, 51 was captured with the disputed merchant, APPLE.COM/BILL 866-712-7753 CAUS. RTA response code 51 was captured with the disputed merchant, CASH APPBEEADD CASH Visa TransferCAUS. No RTA response code with the disputed merchant, PAYPAL *UBER EATS 402-935-7733 CAUS RTA response code 59 and 57 was captured with the disputed merchant, U-HAUL MOVING & STORAGESAINT LOUIS MOUS. RTA: AVS RESULT N AVS RESULT Z AVS RESULT N AVS RESULT N. VISA: AVS Result: N No: Neither address nor ZIP matches, AVS Result: Z ZIP matches, address does not AVS Result: N No: Neither address nor ZIP matches AVS Result: N No: Neither address nor ZIP matches RTA response code 43,85,05,51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2508. VROL response code 51 was captured with the disputed merchant, APPLE.COM/BILL 866-712-7753 CAUS. VROL response code 59, 57 was captured with the disputed merchant, U-HAUL MOVING & STORAGE OSAINT LOUIS, MO US. There is freezing, unfreezing of the disputed card within the UT timeline which suggests that member has full control of the account. 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 #56710742, 56710574. PVC scheduled for reversal on 2022-11-04. Case closed.