5643489

Dispute ID: 5643489. CH disputing 1 Debit Unauthorized Transaction from Mr Puff Smoke Shop for $97.02. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card is lost. PIN stated as "memorized / written it in the back of the card". Disputed card ending 8533 is closed. Case Decision: DENIED. Unable to file FR for STAR transaction, no STAR access. Overall Investigation: With funding event via Card to Card amounting to $150.00 observed on 2022-11-25 14:52:29 before the authorization of the disputed transaction from MR PUFF SMOKE SHOP 5016 SIDNEY ROAD, CINCINNATI, OHUS on 2022-11-25 14:58:48. Prior to the funding, CH account balance is exhausted, an indication that CH has knowledge of the card's activity and funded the account accordingly. Low ending balance after the authorization of the disputed transaction. With valid undisputed EMV initiated transaction from 5131 Glenway Ave, Cincinnati, OHUS on 2022-11-26 19:04:36 amounting to $42.50. The disputed card present transaction is within the vicinity with the member's address on the account.
Galileo deny code 51 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8533. Penny response code 51 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8533. RTA response code 51,85 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8533. No RTA and Penny response code with the disputed merchant. RTA: AVS RESULTB No history with the disputed merchant, hence this is abnormal to the CH. No fraud alert with the disputed card. No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58370018. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-23 to 2022-11-29 TRXN TYPE: STAR FR 5