5548795

Dispute ID: 5548795/ 5548795-1. REG E claim. CH is disputing 4 UT from multiple merchants amounting to $27.96. As per Penny, card stolen. PIN stated as "On my phone. Its connected to house accounts". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 5648 is closed. Case Decision: Denied. VROL Case No.: 2283686643, 2283686644, 2283686645, 2283686646
OVERALL INVESTIGATION: With funding event observed from Card to Card amounting to $15.00 on 2022-11-12 13:18:09 before the authorization of the disputed transaction from Amazon Music, 888-802-3080, WAUSon 2022-11-14 11:19:29. Member's SpotMe limit was $110 which enabled the transaction to go through. Balance exhausted after the authorization of the last disputed transaction. As per Galileo, No suspicious declined codes within UT timeline. As per RTA, no response code within the UT timeline and with the disputed merchants. As per Penny, no response code within the UT timeline and with the disputed merchants. With history from Roku. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Disputed merchant is normal to the CH. With history from Amazon. This is normal to the CH. No fraud alert/indication. Disputed merchant, Roku recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. RTA: AVS RESULTZ AVS RESULTY AVS RESULTY AVS RESULTZ VISA: AVS Result: Z ZIP matches, address does not AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Z ZIP matches, address does not 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 #57892675, 57892688. PVC scheduled for reversal on 2022-11-29. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-10 to 2022-11-20 TRXN TYPE: Moto 2 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 2 Entry Mode 10