5111445-1

Dispute ID:5111445-1. DND 2022-09-18. REG E claim. OLD account. CH is disputing 2 UT from Lyft amounting to $122.38. As per Penny, card in possession at time of transaction. PIN memorized. No merchant credit. No claim cancellation. INVESTIGATION. As per Galileo, deny code 57 was captured within UT timeline not related with the disputed merchant. As per Galileo, deny code 59, 43,51, was captured related with the disputed merchant. As per RTA, response code 43, 57, 51, 85, 59, was captured with the disputed merchant. However, there is a single cash in from Card to Card event on 2022-09-14 15:44:18. Continuous funding within UT timeline. Balance exhausted after the authorization of the last disputed transaction. No fraud alerts. Member has previous transactions with the disputed merchant. AVS RESULT Z for both disputed transactions. As per RTA, response code 57 was captured but not related with the disputed merchant. Observed freezing, unfreezing of the disputed card within UT timeline (suggesting full control of account). No PII changes. No signs of account takeover. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54470539. Filed FR ROL Case #5211500357,5211497437. Case closed.