5142257-1

Dispute ID:5142257-1. DND 2022-09-23. REG E claim. OLD account. CH is disputing 1UT from Dox Bill Pay Doxo amounting to $5.34. As per Penny, card in possession at time of transactions. PIN memorized. No merchant credit. No claim cancellation. INVESTIGATION.

No fraud alerts. Observed direct deposit prior to the authorization of the disputed transaction from FM*K,, Payroll 2022-07-21 19:24:01 amounting to $1459.60. Prior to the direct deposit funding, CH's balance was already exhausted. A pattern of funding from the same direct depositor was observed since 2022-04. Continuous cash-in was observed within the UT timeline. As per Galileo, deny code 05,51,57 and 54 was captured but not related with the disputed merchant. As per RTA, response code 85, N7, 51, 55, 57, was captured but not related with the disputed merchant. As per RTA, response code 85 was captured with the disputed merchant. AVS RESULT B for all disputed transactions. Observed freezing, unfreezing of the disputed card within UT timeline (suggesting full control of account)No PII changes. No signs of account takeover. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54702040. Filed FR ROL Case #5213942644,5213942645. Case closed.