5807386

DISPUTE ID 5807386. Reg. E. CH disputing 1 Debit UT amounting $373.00 with Greyhound Lines Cnp. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card in possession at the time of transaction. PIN stated as "In my phone". Disputed card ending 4424 is closed. Case decision: DENIED. VROL Case #: 2298300134 OVERALL INVESTIGATION: With funding event observed on 2022-12-16 10:57:50 before the authorization of the disputed transaction from GREYHOUND LINES CNP, 214-849-8966, TXUS on 2022-12-16 11:05:39. CH has a Spotme limit of $90.00 which enabled the transaction to go through even though the funding is less than the disputed amount, this indicates that this is an anticipated transaction. Balance exhausted. RTA response code 85 was captured with the disputed card within the UT timeline. Cash in cash out was captured within the UT timeline. Galileo, RTA, and Penny deny/ response code 46,51,78, was captured within the UT timeline on the disputed card. deny/ response code 51 was captured with the disputed merchant, as per galileo, rta,and penny. RTA response code 85 was captured within the UT timeline on the disputed card. RTA: AVS RESULTY VISA:AVS Result: Y Exact: Address and ZIP match Disputed merchant is abnormal to the CH as per Galileo there is no previous history. no fraud alerts. No PII changes captured within UT timeline. No signs of ATO. Multiple freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH has control of the acount. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #59479637. CASE CLOSED.

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