Dispute ID : 10459326 · Offline Notepad

Dispute ID : 10459326 DND : 2023-06-14 2 Debit UT transactions against Walmart amounting to $458.11 Reg E Claim. Card 3806 closed. No claim cancellation nor merchant credit. Card stolen. PIN stored in phone Card present EMV Chip transaction

Approval:

*No spending pattern *Merchants is abnormal *Dollar amount is abnormal *Velocity abnormal

Denial : *No funding event prior *Observed a valid undisputed card present EMV *transaction with 7-ELEVEN, on 2023-06-09. CH claimed that the card was stolen yet we can *observe continuous funding activities on 2023-06-09.

Observed Cash in/Cash out during UT timeline
Low ending balances
No Fraud Alert
No suspicious deny/response codes observed within UT timeframe, with the same disputed merchant; observed suspicious deny/response code 85, 78 with the same disputed card. *observe Freezing/Unfreezing during UT timeline
No Signs of ATO/PII change observe during UT timeline
Merchant location is within the vicinity of the CH's address.

Enough Evidence to Deny the claim. No Error Found. Unable to file FR Due to No Star Access. Case Closed Final letter sent with ZD Number 69343760