5650230

Dispute ID:5650230. CH disputing 1 Debit Unauthorized Transaction from V 6 Hr Dazzling Vouc for $79.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card in possession at time of purchase. PIN stated as "I don't store it anywhere". Disputed card ending 8217 is closed. Case Decision: DENIED. VROL Case #:2300068636 Overall Investigation: With funding event observed via Visa Money Transfer amounting to $15.00 on 2022-11-19 at 08:15:02 before the authorization of the disputed transaction from V 6HR DAZZLING VOUCHER, +16505130078, TXUS on 2022-11-19 08:25:02, which makes the total balance to $84.32 which is enough to cover the disputed transaction, there is no authorized transaction in between suggesting that CH is aware of the account balance and the account is funded accordingly, After the authorization of the disputed transaction the balance is low ending. Continuous funding and cash-in cash-out was captured within the UT timeline. Galileo, RTA, Penny deny/ response code 51,54 was captured within the UT timeline but not related with the disputed merchant, however they are on the disputed card ending 8217. Penny response code 10 was captured within the UT timeline but not related with the disputed merchant, however they are on the disputed card ending 8217. No fraud alerts. Disputed merchant is abnormal to the CH, no previous history. RTA: AVS RESULT IS B VISA: 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 final letter ZD Ticket Number #59653820. PVC scheduled for reversal on 2023-01-03. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-17 TO 2022-11-22 TRXN TYPE: Moto 7 Entry Mode 01