DISPUTED ID: 10558713

Investigation

Denial:

• With previous transaction, merchant is normal
• With spending pattern
• Dollar amount is abnormal
• Spending velocity is normal
• With history from Apple Visa. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.
• With high ending balance
• Observed a valid undisputed card present EMV transaction with GIANT EAGLE #6513, COLUMBUS, OHUS on 2023-06-23 02:14:17.
• Suspisous declined codes- Observed suspicious deny/response code 51 with the same disputed card.
• With Reccurring flag
• No signs of Fraud Alert within the UT timeframe