4614617

DISPUTE ID: 4614617 DND: 2022-07-06 Reg E: Yes Intake Type: Phone OLD/NEW: OLD Disputed Transaction: Amount: $93.71 Auth: 2022-03-17 15:16:52 Settlement: 2022-03-18 18:35:38 Last 4 disputed card: 2731 Merchant Credit: no merchant credit Claim cancellation: no claim cancellation Card is still active PC Due/Issued: 2022-07-20 Card Status: In possession Pin Status: memorized Transaction type: Entry Mode 07

THOROUGH INVESTIGATION

WRITE-OFF: CH has no prior history with the disputed merchant No funding event prior to the disputed transaction No cash in cash out observed within UT timeline No ATM balance inquiry High ending balance is observed after the disputed transaction No third party access Deny code 59, 57 is observed within the UT timeline Not enough evidence to deny the claim, merchant is not on the DNC list. Initiated MCO, called multiple times but routed to voicemail.

DENIAL: Deny code 57 is observed within the UT timeline Freezing and unfreezing is observed prior to the UT timeline

NOTATION: Dispute ID:4614617. DND: 2022-07-06 . CH is disputing (1) UT transactions with amounting to $93.71 that settled on 2022-03-18 18:35:38. No claim cancellation. No merchant credit. Card ending in 2731. INVESTIGATIONAs per VCF, the card is in possession and PIN is memorized . Transaction type is Entry Mode 07. Card is still active. CH has no prior history with the disputed merchant. No funding event prior to the disputed transaction No cash in cash out observed within UT timeline. No ATM balance inquiry High ending balance is observed after the disputed transaction. No third party access. Deny code 59, 57 is observed within the UT timeline Not enough evidence to deny the claim, merchant is not on the DNC list. Initiated MCO, called multiple times but routed to voicemail. Not enough evidence to deny the claim, merchant is not on the DNC list. Initiated MCO, called multiple times but routed to voicemail. Send manual letter for Card Closure Ticket ‭#50534485‬, Case Ongoing.