5909806/ 5909806-1

Dispute ID: 5909806/ 5909806-1. PTF Claim. CH disputing 4 Debit Unauthorized Transaction from Amazon for $63.12. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN memorized. Disputed card ending 4804 is closed. Case Decision: DENY VROL Case #: 2303987510,2303986556,2303986555,2303972465 Overall Investigation: With funding event via Card to Card amounting to $56.35 observed on 2022-09-27 11:26:31 and on 2022-09-27 11:25:13 amounting to $15.00 before the authorization of the disputed transaction from AMAZON PRIME PMTS, Amzn.com/bill, WAUS on 2022-09-29 20:25:44. With funding event via Card to Card amounting to $25.00 observed on 2022-12-29 07:23:10 before the authorization of the disputed transaction from Amazon Prime, Amzn.com/bill, WAUS on 2022-12-29 20:13:56. Balance almost exhausted after the authorization of the last disputed transaction. Disputed merchant is normal to the CH. With prior history. Spending amount is normal. Galileo,RTA deny/ response code 46,51,55,78,57 was captured within the UT timeline on the disputed card. Galileo, RTA,and Penny deny/ response code 51 was captured with the disputed merchant. No fraud alert/indication. Penny response code 10,51,57,78,55,46 was captured within the UT timeline on the disputed card. RTA response code 85 was captured within the UT timeline on the disputed card. RTA: AVS RESULTY VISA: AVS Result: Y Exact: Address and ZIP match No PII changes captured within UT timeline. There is freezing,unfreezing of the disputed card within the UT timeline suggesting that CH is in control of the account. There is enough evidence to deny the claim.Final resolution, no error found. Final letter sent ZD Ticket Number 60145780,60145808. CASE CLOSED.

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