5492135

DISPUTE ID 5492135. CH disputing 2 Debit UT amounting $79.98 with Paperbk Com and Yeloter Com. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card unspecified. PIN stated as "WRITTEN DOWN SOMEWHERE". Disputed card ending 1693 is closed. Case decision: Denied. VROL Case #: 2278755049,2278753080.
OVERALL INVESTIGATION: No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the last disputed transaction. Galileo, RTA, VROL deny/ response code 59 was captured with the disputed merchant yeloter.com 833-6270206 FLUS. Disputed merchants is abnormal to the CH. There is no freezing, unfreezing of the disputed card within the UT timeline. However, MCO initiated, a representative named Mary confirmed the member's name, email address. and physical matches the records on file. No fraud alerts. No PII changes captured within UT timeline. No signs of ATO. No RTA response code with the disputed merchant PAPERBK.COM Disputed merchant PAPERBK.COM and yeloter.com recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. Disputed merchants has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. RTA: AVS RESULTY for all disputed transactions. VISA: AVS Result: Y Exact: Address and ZIP match for all disputed transactions. 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 1693. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket #57343719. Case closed.

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