5642910

Dispute ID:5642910. CH disputing 2 Debit Unauthorized Transaction from Walmart for $106.91. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card stolen. PIN memorized. Disputed card ending 5105 is closed. Case Decision: DENIED . Unable to file FR for STAR trxns, no STAR access. Overall Investigation: Disputed transaction from Wal-Mart Super Center 1858 WAL-SAMS, MONTEVIDEO, MNUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. Cash in cash out was captured within the UT timeline. Continuos funding event was captured within the UT timeline while the card was said to be stolen. Disputed merchant is normal to the CH. It has prior history that is undisputed as per Galileo. NO FRAUD ALERTS. Galileo, RTA, and Penny deny/ response code 51 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 5105. With valid undisputed EMV initiated transaction from CLARKFIELD ONE STOP LLC 1005 13TH ST, CLARKFIELD, MNUS on 2022-10-26 14:51:46. RTA response code 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5105. RTA: AVS RESULT B No PII changes captured within UT timeline. No signs of ATO. The disputed transaction is the same state of the CH. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD #59645955. PVC SCHEDULED FOR REVERSAL ON 2023-01-03. CASE CLOSED.

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