5584887

Dispute ID: 5584887. REG E claim. CH is disputing 2 UT from Amazon amounting to $32.38. As per Penny, card not in possession at the time of transactions. PIN stated as "wallet, purse". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 2746 is closed. Case Decision: Denied. VROL Case No.2284363597,2284356938. OVERALL INVESTIGATION: With funding event observed from Card to Card amounting to $10.00 on 2022-09-26 06:43:23 before the authorization of the disputed transaction from AMAZON PRIME PMTS, Amzn.com/bill, WAUS on 2022-09-27 09:46:54. With funding event observed from Card to Card amounting to $50.00 on 2022-10-27 07:51:40 before the authorization of the disputed transaction from AMAZON PRIME PMTS, Amzn.com/bill, WAUS on 2022-10-27 09:53:55. Low ending balance after the authorization of the last disputed transaction. Series of funding events was observed within UT timeline while the card was said to be not in possession.
Galileo deny code 51 was captured with the disputed merchant. Galileo deny code 51 was captured within the UT timeline not related with the disputed merchant, however, they are on the disputed card ending 2746. No fraud alert/indication. With history from Amazon. This is normal to the CH. RTA response code 51 was captured with the disputed merchant. RTA response code 51 was captured within the UT timeline not related with the disputed merchant, however, they are on the disputed card ending 2746. Penny response code 51 was captured with the disputed merchant. Penny response code 51 was captured within the UT timeline not related with the disputed merchant, however, they are on the disputed card ending 2746. RTA: AVS RESULTY AVS RESULTY VISA: AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match 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 #57957236. Case closed

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