5447856

Dispute ID: 5447856. CH disputing 1 Debit Unauthorized Transaction from Semrush, Inc for $119.95. Reg E Claim. No merchant credit related to the disputes. No claim cancellation. As per Penny, card in possession at time of purchase. Pin memorized. Disputed card ending 4833 is closed. Case Decision: CB Won, Acquirer Accepted Liability. Error Found. VROL Case #: 2275418085. Case closed. Overall Investigation: Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. No fraud alerts. No PII changes captured within the UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline. However, No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the disputed transaction. Galileo deny code 59 was captured with the disputed merchant. RTA/ Penny response 59 was captured with the disputed merchant. Member has no previous transactions with the disputed merchant hence this is abnormal to the CH. RTA:AVS RESULT B VISA: AVS Result: Address verification is not applicable MCO not initiated merchant contact number is not available. Therefore, error found. Sent ZD #56971591. Sent final letter ZD Ticket Number 58051521. Case closed.

🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄 UT TIMELINE: 2022-10-29 to 2022-11-04 Dispute ID xxxx. DND xxxx. CH claimed (x) unauthorized transaction from (x) amounting to xxxx. Reg Z. No claim cancellation. No merchant credit. CB Won, Acquirer Accepted Liability. VROL xxxx. Error Found.