6164090

Dispute ID: 6164090/ 6164090-1. DND 2023-01-29/ 2023-01-31. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $316.08. Disputed transactions are: STAR Moto 7 Entry Mode 10 Card Not Present. Moto Blank Entry Mode 05 Card Present EMV Moto 1 Entry Mode 01 Card Card Not Present Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen . PIN STATED AS "Password manager". Disputed card ending 1436 is closed. Case Decision: DENY VROL Case #: 5230020056,5230020084,5230020118. Unable to file FR for STAR transaction, no STAR access.
Overall Investigation: With valid undisputed card-present EMV initiated transaction from SUNOCO 0260760400, TUSKEGEE, ALUS on 2023-01-26 20:37:41, CORNER MARKET 805 MARTIN LUTHER KING, AUBURN, ALUS on 2023-01-27 09:39:49, & CITGO EAST POINT FOO, EAST POINT, GAUS on 2023-01-28 11:25:07. The valid undisputed transaction from CITGO EAST POINT FOO, EAST POINT, GAUS on 2023-01-28 11:25:07 and the vicinity of the disputed transaction from WM SUPERCENTER #6998, EAST POINT, GAUS is within the vicinity suggesting that CH is capable of doing both transaction. Continuous funding event captured within the UT timeline while the card was said to be stolen. Balance exhausted after the authorization of the last disputed transaction. With previous transaction from Walmart. Intermittent transaction suggesting that merchant is normal to the CH. Disputed amount is abnormal. No spending pattern observed. With previous transaction from CASH APP*. Merchant is normal to the CH. Disputed amount is normal. No spending pattern observed. No previous transaction from Avid Hotel Auburn. Merchant is abnormal to the CH. No spending pattern observed. No PII changes. No signs of ATO. No freezing, unfreezing of the disputed card within the UT timeline. As per Galileo, RTA, & Penny deny/ response code 46 was captured with the disputed merchant CASH APP*. As per Galileo, RTA, & Penny no deny/ no response code was captured with the disputed merchant, AVID HOTEL, Walmart, & Walmart Super Center. As per RTA: AVS RESULT Z AVS RESULT B As per VISA: AVS Result: Z ZIP matches, address does not AVS Result: Address verification is not applicable Based on the thorough investigation, there is enough evidence to deny the claim. Final resolution, no error found. Final letter sent with ZD Ticket Number 61876234,61876257. CASE CLOSED.

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