5850679/ 5850679-1

Dispute ID:5850679/ 5850679-1. CH disputing 6 Debit Unauthorized Transaction from multiple merchants for $274.56. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card not in possession at the time of the transaction(s) and PIN memorized. Disputed card ending 1155 is closed. Case Decision: CB INITIATED VROL CASE NUMBER:2300944921 Overall Investigation: With funding event via Incomm API Load amounting to $215.00 observed on 2022-12-17 21:28:34 before the authorization of the disputed transaction from 7-ELEVEN, ANAHEIM, CAUS on 2022-12-19 01:12:07. Prior to this funding the account balance is already exhausted, this suggests that CH is anticipating the disputed transactions and thus funded the account accordingly. Balance almost exhausted after the authorization of the last disputed transaction. Continuous funding of the account was captured within the UT timeline. Disputed merchant 7-ELEVEN, ANAHEIM, CAUS, RALPHS #0067 3330 YORB, FULLERTON, CAUS, ALBERTSONS #0819, FULLERTON, CAUS, CHICK-FIL-A #02529, BREA, CAUS, CASH APPASHLEY COMPTO, Visa Transfer, CAUS is abnormal to the CH. No prior history. No fraud alerts. Galileo deny code 46,55,05 was captured within the UT timeline on the disputed card. RTA response code 85 was captured within the UT timeline on the disputed card. RTA, Penny response code N7, 46, 55,10 was captured within the UT timeline on the disputed card. Cash AppAshley Compton has Entry mode 10 shows Merchant has initiated the transaction with credentials stored on file. The disputed card present EMV transaction is outside the vicinity with the member's address on the account.
RTA: AVS RESULTB AVS RESULTB AVS RESULTB AVS RESULTB AVS RESULTB AVS RESULTZ VISA: AVS Result: Address verification not applicable AVS Result: Address verification not applicable AVS Result: Address verification not applicable AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable AVS Result: Z ZIP matches, address does not PII change of phone, email was captured within the UT timeline. No freezing, unfreezing of the disputed card within the UT timeline. There was a sign of ATO within the UT timeline as per ZD #59386911. MCO initiated. Merchants closed for business hours. No enough evidence to deny the claim. Proceed to chargeback. ZD Ticket Number 59766464 for PVC Issued. CASE ONGOING.