5552022

Dispute ID: 5552022. CH disputing 2 Debit Unauthorized Transaction from Nwfdvh Com & Union Supply Direct for $111.34. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card in possession at the time of the transaction(s). Pin memorized. Disputed card ending 7187 is closed. Case Decision for Nwfdvh Com : CB WON - ACQUIRER RESPONSE TIMEFRAME EXPIRED . VROL Case #:2282409185. TRXN ID 9161742756 is #force_post. original auth was on 2022-10-04. Unable to close this claim since we are still waiting for the pre-arb for trxn id 9161742756.

Overall Investigation: Funding event via Friend Transfer was captured on 2022-10-04 15:59:47 amounting to $1510.00 before the authorization of the disputed transaction from UNION SUPPLY DIRECT, 310-603-8899, TXUS on 2022-10-04 17:54:58. Balance low ending after the authorization of the last disputed transaction. Disputed merchant NWFDVH.COM, 833-429-1364, CAUS is normal to the CH. With fraud alert/indication. Disputed merchant UNION SUPPLY DIRECT, 310-603-8899, TXUS is abnormal to the CH. Presence of deny/ response code 51, 59 was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny. Presence of response code 85, 05 was captured within the UT timeline on the disputed card, as per RTA and Penny. RTA: AVS RESULT Z, AVS RESULT Y VISA: AVS Result: Z ZIP matches, address does not, AVS Result: Y Exact: Address and ZIP match PII change of address was captured within the UT timeline. There is enough evidence to deny the claim, however, previous analyst initiated it to Chargeback.

• Received non compelling evidence on 2022-12-07 for the disputed transaction in Union Supply Direct. Pre-arb initiated. Still waiting for the response from merchant Nwfdvh Com since Previous analyst also file CB to this transaction. CASE ONGOING.