Dispute ID:10366788
DND:2023-06-04
Reg E - Unauthorized Transaction
Intake Type: Phone
MOTO: blank
Entry Mode: 05/07
Transaction Type(s): card absent and card present 
Decision: DENIED
VROL Case Number: 
AVS result: B.

There are 4 disputed transactions from various merchants amounting to $272.08. As per penny the card is not possession and it was stolen, while the pin is memorized. No merchant credit. No claim cancellation.

*****INVESTIGATIONS:

*No Cash In - Cash Out within UT
*No Spending pattern observed with the disputed merchants
*Spending amount is abnormal of merchants ("Sams Club, and "Inspire Nail Bar and spa")
*Spending velocity of merchants ("Aldi", "Sams Club", and "Inspire Nail Bar and spa") is abnormal
*No Funding event
*With freezing/unfreezing of the card observed within UT timeframe.
*Without previous transaction from merchants ("Sams Club" and "Wilbert Tattoo Llc")

*High Ending balance after the authorization of the last disputed transaction.
*With previous transaction from merchants ("Aldi and "Inspire Nail Bar and spa")
*Low balance after the authorization of the last disputed transaction.
*No fraud alerts observed during UT timeline.
*No PII changes observed and NO ATO hallmarks.
*No response/deny code
*Spending amount of merchant ("Aldi") is normal
*Spending velocity of merchant ("Wilbert Tattoo Llc") is normal
*No Purchase Inquiry
*Continuous funding was captured after the auth. of the disputed txn., while the card was said to be stolen.
*With valid undisputed EMV txn. within UT timeframe.  
*EMV chip transaction under  "Inspire Nail Bar and spa" is within the vicinity from CH's address in approximately 15 mins.  

There's enough evidence to deny the claim. Therefore, no error found. VROL Case Number xxxxxxx. With ZD#xxxxxx. Case Closed