5313691

Dispute ID: 5313691. REG E claim. CH is disputing 1 UT from Uofhts Com amounting to $36.66. As per Penny, card is in possession at the time of transaction. PIN stated as "in my wallet". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 5207 is closed. Case decision: CB Won - Acquirer Response Timeframe Expired. VROL Case #: 2266179016. INVESTIGATION FOUND: NO RTA response code within the UT timeline. No suspicious declined codes within UT timeline as per Galileo. No response codes within the UT timeline as per Penny. No fraud alert. No PII changes. No signs of ATO. However, No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the disputed transaction. MCO initiated, CH information is unverified. Disputed transaction in RTA shows INTERNATIONAL: YES. No previous transaction history with the disputed merchant, hence this is abnormal to the CH. No freezing, unfreezing of the disputed card within the UT timeline. No RTA response code with the disputed merchant. RTA: AVS RESULT B VISA: AVS Result: Address verification is not applicable Error found. Sent ZD #55953777, final letter ZD #57635069. VROL Case #2266179016. Case closed. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT timeline: 2022-10-10 to 2022-10-16