5484592

Dispute ID: 5484592. CH disputing 2 Debit Unauthorized Transaction from Captain D's and Walmart for $51.76. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "In my notebook". Disputed card ending 0854 is closed. Case Decision: Approved. VROL Case #: 2278148233. Unable to file FR for STAR transactions, no STAR access. Overall Investigation: Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0854. Member has previous transaction with the disputed merchant Captain D's. No fraud alerts within the UT timeline. The disputed card present transaction is within the vicinity with the member's address on the account.
RTA: AVS RESULTB AVS RESULTB VISA: AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. However, No funding event prior to the authorization of the disputed transactions. No valid undisputed EMV initiated transaction within UT timeline. No transaction history with the disputed merchant WAL-MART #5348 851 ANN ST, MONTGOMERY, ALUS. Disputed merchant Wal-mart is on the DNC list, no MCO initiated. MCO initiated for disputed merchant, Captain D's, representative hanged-up the call. Unable to validate information. RTA response code 51 was captured with the disputed merchant, WAL-MART. There is no freezing, unfreezing of the disputed card within the UT timeline. There is no enough evidence to deny the claim. No CB rights. No recovery options. Therefore, error found. Final letter send ZD #57278874. Case closed.

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