5548848

Dispute ID: 5548848. REG E claim. CH is disputing 2 UT fromWalmart amounting to $222.88. As per Penny, card stolen. PIN stated as "Password manager". No merchant credit found as of this time. No claim cancellation. Disputed card ending 4294 is closed. Case Decision: Denied . Unable to file for FR transactions, no STAR access. OVERALL INVESTIGATION: With funding event observed from Visa Money Transfer amounting to $33.25 on 2022-10-24 15:02:23 before the authorization of the disputed transaction from Wal-Mart Super Center 1090 WAL-SAMS, JACKSONVILLE, FLUS on 2022-10-24 15:06:50. CH has a Spotme limit of $205.00 which enabled the transaction to go through. The disputed card present EMV transaction is within the vicinity with the member's address on the account. With valid undisputed EMV initiated transaction from WM SUPERCENTER #1090 on 2022-10-24 15:08:04 amounting to $5.35. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4294. RTA response code 85,05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4294. Penny response code 05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4294. Series of funding events was observed within UT timeline while the card was said to be stolen. CH has no prior history with the disputed merchant Wal-Mart Super Center 1090 WAL-SAMS, JACKSONVILLE, FLUS hence this is abnormal to the CH. CH has prior history with the disputed merchant WAL-MART #1090 6767 103RD STREET, JACKSONVILLE, FLUS hence this is normal to the CH. No fraud alerts. No RTA, Penny, Galileo response/ deny code with the disputed merchant Wal-Mart Super Center and WAL-MART #1090. RTA: AVS RESULT B for all disputed transactions. 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 ZD #57705487. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT timeline: 2022-10-22 to 2022-10-31 TRXN Type: STAR