4723315

Dispute ID: 4723315. DND:2022-07-22. Intake type: Mobile. Reg E. Old account. CH is disputing 4 UT with multiple merchants amounting to $45.19. No merchant credit. No claim cancellation. Card ending with 9297 is already replaced. Transaction type is Moto/ECI blank Entry Mode 7, Moto/ECI 7 Entry Mode 01, Moto/ ECI blank Entry Mode 91, Moto/ECI blank Entry Mode 7 . INVESTIGATION As per VCF, card is not in possession and pin is stated as "notebook" *. With previous transactions from the same merchant. Disputed merchant is within vicinity/ approximately 5mins. drive from the CH's physical address. No suspicious deny codes within the disputed timeline. Almost exhausted balance after the last disputed transaction. No PII changes. No third party accessNo fraud alerts. No signs of ATO hallmarks. Therefore, no error found.

WRITEOFF No valid undisputed transaction within the UT timeline.

DENIAL With previous transactions from the same merchant. Disputed merchant is approximately 34mins. drive from the CH's physical address No suspicious deny codes within the disputed timeline Almost exhausted balance after the last disputed transaction. No PII changes. No third party access. No fraud alerts. No signs of ATO hallmarks.

#2 transaction Funding event prior the authorization of the disputed transaction With previous transactions from the same merchant. Low ending balance, after the authorization of the last disputed transaction. No suspicious declined codes within the disputed timeline.

#3 transaction Funding event prior the authorization of the disputed transaction. Low ending balance, almost exhausted or balance exhausted after the authorization of the last disputed transaction.

#4 Funding event prior the authorization of the disputed transaction. Disputed merchant is approximately 9mins. drive from the CH's physical address.

CUMBERLAND FARMS 1585, TROY, NYUS CUMBERLAND FARMS 1528, SCHENECTADY, NYUS CUMBERLAND FARMS 1540 1269 HIGHBRIDGE RD, SCHENECTADY, NYUS CUMBERLAND FARMS 1528, SCHENECTADY, NYUS