5797556

Dispute ID: 5797556. PTF Claim. CH disputing 1 Debit Unauthorized Transaction from 800 Loanmart for $350.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN memorized. Disputed card ending 1950 is closed. Case Decision:DENIED. VROL Case #:2297613884 . Overall Investigation: With funding event observed via Friend Transfer amounting to $350.00 on 2022-05-26 08:05:20 before the authorization of the disputed transaction from 800LOANMART, VAN NUYS, CAUS on 2022-05-26 08:20:13. Low ending balance after the authorization of the disputed transaction. Cash in cash out was captured within the UT timeline. RTA response code 51,10,85,05 was captured within the UT timeline on the disputed card. Galileo deny code 51, 05 was captured within the UT timeline on the disputed card. Penny response code 05,10,51 was captured within the UT timeline on the disputed card. No fraud alert/indication. Disputed merchant is abnormal to the CH as there is no trxn history. RTA: AVS RESULTY VISA: AVS Result: Y Exact: Address and ZIP match No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD #59412726. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-05-24 to 2022-05-29 TRXN TYPE: Moto 1 Entry Mode 1