5284054

Dispute ID: 5284054. DND: 2022-10-12. REG E claim. Old account. CH is disputing 1 UT from Sp Sleefs amounting to $54.88. As per Penny, card in possession at the time of the transaction. PIN is stated as "Notebook". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 8072 is closed. INVESTIGATION FOUND: Moto 7 Entry Mode 1 Card-Absent with CB Rights UT timeline: 2022-10-02 to 2022-10-07 ✔With funding event observed from Card to Card amounting to $290.85 on 2022-10-03 18:57:42 before the authorization of the disputed transaction from SP SLEEFS on 2022-10-04 16:06:47. ✔With presence of funding from DIRECT DEP,CNB Enid Deposit on 2022-10-03 18:54:11 amounting to $324.94 ✔No suspicious declined codes within UT timeline. ✔No fraud alert. ✔RTA response code 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 8072.
✔RTA: AVS RESULT Y ✔VISA: AVS Result: Y Exact: Address and ZIP match ✔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 #55758661. VROL Case #5223510443 Case closed.