5034433

Dispute ID: 5034433. DND 2022-09-06. CH disputed 1 Unauthorized transaction. No claim cancellation received. No merchant credit found as of this date. Reg E. Card is closed. Investigation: Disputed transaction was processed through online with CB rights. Card holder has previous transactions from the said merchants. With presence of deny code within the disputed timeline but not related to the disputed transaction. Response code 85 was found within the disputed timeline but not related to the disputed transaction. Balance was exhausted after the disputed transaction. No indication of fraud alert in the system during the disputed timeframe. There are no PII changes within the disputed timeframe. Freezing/unfreezing of card was observed within the disputed timeline, an indication that the card holder is in control of the card's activity. No manual account funding prior authorization of the disputed transaction anticipated to the disputed transaction and there's also no manual acount funding within 24-48 hrs after the settlement of the disputed transaction. Contacted merchant but already closed. Unable to validate transaction through OBC. Another analyst already filed CB to this claim with VROL #2261048311. Case ongoing.