5679812

Dispute ID:5679812. CH disputing 2 Debit Unauthorized Transaction from 030 Web Studio Movie and 030 Fbv Studio Movie for $165.51. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "Bag". Disputed card ending 0181 is closed. Case Decision: DENIED. VROL Case #:2290552861, 2290555858. Overall Investigation: With funding event via Visa Money Transfer amounting to $98.25 observed on 2022-11-13 06:12:17 before the authorization of the disputed transaction from 030WEB STUDIO MOVIE GR, KISSIMMEE, FLUS on 2022-11-13 08:36:44. Series of funding events was observed within UT timeline while the card was said to be lost or stolen.
With valid undisputed EMV initiated transaction from RACETRAC246, KISSIMMEE, FLUS on 2022-11-14 18:17:34 AMOUNTING TO $60.00.
Galileo deny code 51,78 was captured with the disputed card within the UT timeline. RTA/ Penny response code 51, 78 was captured with the disputed card within the UT timeline. No RTA/ Penny response code with the disputed merchant. Disputed merchants is abnormal to the CH. No fraud alert/indication. VISA: AVS Result: Z ZIP matches, address does not/ AVS Result: Address verification not applicable RTA: AVS RESULT Z/ AVS RESULT B No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline suggesting that CH has control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58663300. Case closed

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