6232897

Dispute ID: 6232897. DND 2023-02-06 via PHONE. CH is disputing 4 Debit Unauthorized Transaction from Atm Withdrawal for $150.99. The disputed transactions are Moto Blank Entry Mode 05 Card- Present EMV. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny, card lost. Pin is secured. Disputed card ending 7803 is closed. CASE DECISION: DENY VROL CASE #: 5233174609,5233174610
Overall Investigation: Disputed transaction from *LIVERNOIS/OAKMAN, DETROIT, MIUS & 9801 LINWOOD ST, DETROIT, MIUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. Balance exhausted. The disputed card present EMV transaction is within the vicinity with the member's address on the account. No history with the disputed merchant. Merchant is abnormal to the CH. No spending pattern observed. With valid undisputed card-present EMV transaction from CITGO LINWOOD &, DETROIT, MIUS on 2023-02-02 17:54:19 The disputed transaction from *LIVERNOIS/OAKMAN, DETROIT, MIUS and the valid undisputed card-present EMV transaction from CITGO LINWOOD &, DETROIT, MIUS is approximately 3mins. away from each other which means that member has the capacity to do both of the transactions. As per Galileo, RTA, & Penny deny/ response code 51 was captured with one of the disputed merchant. As per RTA: AVS RESULT B As per VISA:AVS Result:Address verification not applicable No PII changes, no signs of ATO. No freezing & unfreezing of the disputed card within the UT timeline. Based on the thorough investigations performed there are enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 62248990. CASE CLOSED.

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