5737459

Dispute ID: 5737459. CH disputing 1 Debit Unauthorized Transaction from Txtvrfy for $40.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card not in possession at time of transactions. Pin memorized. Disputed card ending 2492 is closed. Case Decision: DENIED. VROL Case #:2294160357. Overall Investigation: With funding event via Card to Card amounting to $50.00 observed on 2022-12-08 10:53:50 before the authorization of the disputed transaction from TXTVRFY, +13074292443, WYUS on 2022-12-08 21:27:31. CH has a Spotme limit of $200.00 which enabled the transaction to go through even though the account balance is less than the disputed amount. Prior to the funding the account balance is exhausted, this suggests that CH is aware of the card's activity and thus, funded the account accordingly. Balance exhausted. Presence of deny code 46 and 59 was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny. Disputed merchant is abnormal to the CH. With fraud alert on the disputed card within the UT timeline. RTA: AVS RESULT N VISA: AVS Result: N No: Neither address nor ZIP matches No PII changes captured within UT timeline. No signs of ATO. Freezing, unfreezing of the disputed card was captured within the UT timeline an indication that CH is in control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD Ticket Number 59065447. CASE CLOSED .

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