5313960

Dispute ID: 5313960 /5313960-1 DND: 2022-10-16. REG E claim. Old account. PTF Claim.CH is disputing 9 UT Card-Absent transaction from Iiq Identityiq Com amounting to $280.92. As per Penny, card in possession at the time of transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 8879 is closed. INVESTIGATION FOUND: UT TIMELINE: 2022-02-06 to 2022-09-19 Upon checking on PI under VROL from the transaction from IIQ*IDENTITYIQ.COM, 877-8754347, NVUS the address, and email address on the revert info in Galileo matches with the member's record on the account. With presence of CNB Enid Deposit via HENNING CONSTRUC, PAYROLL prior to the authorization of the disputed transactions. Galileo deny code 55,51, 05, 59,54,was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 8879. RTA response code 51,N7,59,54,55,05,10 and 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 8879. Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. Galileo deny code 51 was captured with the disputed merchant. PII change of email address was captured within the UT timeline. RTA response code 51 was captured with the disputed merchant. RTA: AVS RESULT B and Y VISA: AVS Result: Address verification is not applicable and AVS Result: Y Exact: Address and ZIP match There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56130512. VROL Case #2268093230,2268094678,2268090284,2268088357,2268094676,2268094675,2268090285,2268098113,2268101534. Case closed