5372330-1

Dispute ID: 5372330-1. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $27.52. Dispute Notification Date:2022-10-25. Case Decision: Denied. VROL Case: #2272029351,2272024801,2272032232,2272024800. OVERALL INVESTIGATION: Card ending in 7979 is closed. UT timeline: 2022-10-10 to 2022-10-25 As per Penny card is not in possession at the time of transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. TRXN TYPE: Contactless and card not present transactions. With funding event observed from Visa Money Transfer on 2022-10-12 15:44:17 before the authorization of the disputed transaction from ANNS BEVERAGE, CLEVELAND, OHUS on 2022-10-12 19:45:27. Member has previous transaction with the disputed merchant, ANNS BEVERAGE, CLEVELAND, OHUS, Disputed transaction from BP#952855514008 LORAIN, CLEVELAND, OHUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. Balance exhausted after the authorization of the disputed transaction from BP#952855514008 LORAIN, CLEVELAND, OHUS on 2022-10-24 11:06:59. Galileo deny code 51 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7979. The disputed contactless transaction from ANNS BEVERAGE, CLEVELAND, OHUS, MARATHON PETRO40212, Cleveland, OHUS, and BP#952855514008 LORAIN, CLEVELAND, OHUS is within the vicinity with the member's address on the account, approximate time 6mins., 4mins., and 7mins.,respectively. No fraud alert/indication. No RTA response code with the disputed merchant, ANNS BEVERAGE CLEVELAND OHUS and URLTV SUBSCRIPTION +18447438767 NYUS . RTA response code 10 was captured with the disputed merchant, MARATHON PETRO40212 Cleveland OHUS. RTA response code 51, 10 was captured with the disputed merchant, BP#952855514008 LORAIN CLEVELAND OHUS RTA response code 51,85, was was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7979. RTA: AVS RESULT B and AVS RESULT Y VISA: AVS Result: Address verification is not applicable and AVS Result: Y Exact: Address and ZIP match No PII changes captured within UT timeline. No signs of ATO. There is freezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56568312,56568323. PVC scheduled for reversal on 2022-11-03. Case closed.