5643915

Dispute ID: 5643915. CH disputing 4 Debit Unauthorized transaction from multiple merchants for a total of $61.01. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card is stolen. PIN stated as "In my phone notes. Disputed card ending 4948 is closed. Case Decision: DENIED. VROL Case Number:2288189756,2288189757,2288189758 .Unable to file FR for STAR transaction, no STAR access. Overall Investigation: With funding event via Visa Money Transfer amounting to $58.95 observed on 2022-11-26 16:35:23 before the authorization of the disputed transaction from WM SUPERCENTER #2547 Wal-Mart Super Center, MONTICELLO, NYUS on 2022-11-26 17:00:57. With funding event via Visa Money Transfer amounting to $2.88 observed on 2022-11-28 09:12:06 before the authorization of the disputed transaction from CHIPOTLE ONLINE, NEWPORT BEACH, CAUS on 2022-11-28 10:36:22. Balance almost exhausted after the authorization of the last disputed transaction. Galileo deny code 51 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 4948. No history with the disputed merchant WM SUPERCENTER #2547 Wal-Mart Super Center, MONTICELLO, NYUS, MONTICELLO WINE AND LI, MONTICELLO, NYUS, and CHIPOTLE ONLINE, CHIPOTLE.COM, CAUS hence this is abnormal to the CH. With history from McDonald's, hence this is normal to the CH. No fraud alert/indication. No RTA/ Penny response code with the disputed merchants. RTA response code 51,85 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 4948. Penny response code 51,85 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 4948. RTA: AVS RESULT B, for all disputed transactions. VISA: AVS Result: Address verification is not applicable, for all disputed transactions. 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 #58374427. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-24 to 2022-12-01 TRXN TYPE: STAR Moto Blank Entry Mode 05 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01