4789870 CB WON

Dispute ID: 4789870. DND: 2022-08-01. Intake type: Phone. Reg E. Old account. CH is disputing 1 UT from Albert Genius amounting to $132.00. No merchant credit. No claim cancellation. Card ending with 6811 is already replaced. INVESTIGATION As per Penny, card is in possession. PIN memorized. There is a funding event prior to the disputed transaction however it is from a direct deposit . With high ending balance after last disputed transaction. No merchant call out made. Merchant is on the approved DNC List. Deny codes 57 & 05 is observed within the UT timeline but not related to the disputed transaction. With Fraud alerts. Therefore, there is no enough evidence to deny the claim. Final resolution, initiated chargeback. Filed CB #5205040240. Case ongoing. FINAL NOTATION** Dispute ID: 4789870. DND: 2022-08-01. Intake type: Phone. Reg E. Old account. CH is disputing 1 UT from Albert Genius amounting to $132.00. No merchant credit. No claim cancellation. CB initiated with VROL 5205040240. Chargeback won. Response Timeframe Expired. Therefore, an error occured. Sent ZD #53769620. Case Closed.

No PII changes. No fraud alert. No third party access. There is enough evidence to deny the claim. Final resolution, no error found. Filed FR VROL Case #5203970325. Sent final letter ZD #51828927. Case closed.

Moto/ECI 7, Entry Mode 01 Card-absent with CB rights