5256288

Dispute ID: 5256288. DND 2022-10-08. REG E claim. Old account. CH is disputing 1 UT from Target T amounting to $63.73. As per Penny, card not in possession at the time of transaction. PIN memorized. No merchant credit found as of this time. No claim cancellation. Card ending in 6536 is closed. Trxn Type: STAR UT Timeline: 2022-10-04 to 2022-10-10 INVESTIGATION FOUND: Disputed transaction from Target T is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. The disputed card present EMV chip transaction is within the vicinity with the member's address on the account, approximate time 7mins.
Galileo deny code 57 was captured within UT timeline but not related with the disputed card. Galileo deny code 57 was captured within UT timeline not related with the disputed card and merchant. Galileo deny code 57 was captured within UT timeline related with the disputed merchant. Member has previous transaction with the disputed merchant. No fraud alert. RTA response code 85,57 was captured within UT timeline but not related with the disputed card and merchant. RTA response code 57 was captured with the disputed merchant. RTA response code 57 was captured not related with the disptued merchant. RTA: AVS RESULT B There is freezing, unfreezing of the disputed card suggesting that member has full control of the account during the disputed UT timeline. No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #55585628. Unable to file FR for STAR transactions, no STAR access. Case closed.