5806995

DISPUTE ID 5806995. DND 2022-12-19. Reg. E. CH is disputing 1 Moto 1 Entry Mode 1 Card Not Present Debit UT amounting $200.00 with Roslyn Limousine. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card NOT in possession at the time of transaction. PIN memorized. Disputed card ending 0619 is closed. Case decision: Pre - Arb Won, Acquirer Response Timeframe Expired. VROL 2298282354. Error Found. Overall Investigation. Low ending balance after the authorization of the disputed transaction. No fraud alerts. However, Disputed merchant is abnormal to the CH. No history. No spending pattern observed. No manual funding event prior to the authorization of the disputed transaction. Presence of deny/ response code 54 was captured with the disputed merchant on the disputed card within the UT timeline as per Galileo and RTA, & Penny. RTA: AVS RESULT B VISA: AVS Result: Address verification is not applicable PII change of email was captured within the UT timeline. No freezing, unfreezing of the disputed card. MCO initiated, a representative refused to cooperate to validate the CH information by telling the analyst to wait on the line for an hour since he is busy. Unable to validate information. There is no enough evidence to deny the claim. Pre - Arb Won, Acquirer Response Timeframe Expired. VROL 2298282354. Error Found. ZD Ticket Number 61330071. CASE CLOSED.