5382734-1

Dispute ID 5382734-1. CH disputing 3 Debit Unauthorized Transaction from Pizza Hut and Vice City for $108.53. Dispute Notification Date: 2022-10-26 Case Decision: Denied. VROL Case #: 2273055427,2273055429,2273055458 . Overall Investigation: Disputed card ending 5341 is closed. Card not present transactions and card-present EMV chip. Moto 7 Entry Mode 01 Card Not Present Moto Blank Entry Mode 05 EMV Chip Moto 7 Entry Mode 01 Card Not Present UT timeline: 2022-10-21 to 2022-10-28 As per Penny, card stolen. PIN stated as "In phone". No merchant credit found as of this time. No claim cancellation. With two funding event observed from Card to Card on 2022-10-23 15:49:25 amounting to $10.00 and on 2022-10-23 15:46:30 amounting to $35.00 before the authorization of the disputed transaction from PIZZA HUT 027274, GARLAND, TXUS on 2022-10-23 15:58:09. With funding event observed from Card to Card amounting to $84.15 on 2022-10-24 11:30:34 before the authorization of the disputed transaction from Vice City, Dallas, TXUS on 2022-10-24 11:42:15 and PIZZA HUT 027274, GARLAND, TXUS on 2022-10-24 12:46:24. Disputed transaction from Vice City, Dallas, TXUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. Balance exhausted after the authorization of the last disputed transaction from PIZZA HUT 027274, GARLAND, TXUS. Galileo deny code 43,57, 55, 51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5341. Galileo deny code 51 was captured with the disputed merchant, PIZZA HUT Galileo deny code 57 was captured with the disputed merchant,Vice City Dallas TXUS. No fraud alerts. Member has previous transaction history with the disputed merchant Vice City, Dallas, TXUS. RTA response code 43,55,57,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5341. RTA response code 51 was captured with the disputed merchant, PIZZA HUT 027274 GARLAND TXUS. RTA: AVS RESULT Z AVS RESULT B AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not AVS Result: Address verification not applicable AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline, suggesting member has full control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56712732,56712739. PVC scheduled for reversal on 2022-11-04. Case closed.