5424780

Dispute ID: 5424780. CH disputing 5 Debit Unauthorized Transaction from multiple merchants for $267.19. Dispute Notification Date: 2022-10-31. Reg E. Case Decision: *. VROL Case #: *. Sent ZD #56779095 for PVC issued. Waiting for linked dispute to settle. Initial Investigation: As per Penny, card in possession at the time of transaction. PIN memorized. No merchant credit found related to this dispute. No claim cancellation. Disputed card ending 9554 is closed. Pattern of funding event was observed within the UT timeline one of which is from Card to Card and Friend Transfer amounting to $110.00 and $50.00 on 2022-10-29 13:27:36, and on 2022-10-29 13:26:20 before the authorization of the disputed transaction from New Greens Discount Liqu 17539 Imperial Valley, HOUSTON, TXUS on 2022-10-29 13:29:24. The disputed transaction from New Greens Discount Liqu 17539 Imperial Valley, HOUSTON, TXUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No PII changes. No signs of ATO. There is freezing of the disputed card within the UT timeline, suggesting member has control of the account. With history from Apple. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.