5543828

DISPUTE ID 5543828. CH disputing 1 Debit UT amounting $287.12 with multiple merchants . No claim cancellation. No Merchant Credit found relating to the disputes. As per Penny, Card stolen. PIN stated as "My phone, notebook in place we shared". Disputed card ending 8305 is closed. Case decision: Denied. VROL Case #:2281486863,2281484945,2281482992,2281482991.
OVERALL INVESTIGATION: With funding event observed from Visa Money Transfer amounting to $5.00 on 2022-11-08 16:20:29 before the authorization of the disputed transaction from TROPICAL SMOOTHIE CAFE, 7013069699, PAUS on 2022-11-09 10:16:18. Member has a Spotme limit of $55.00 which enabled the transaction to go through. Balance exhausted after the authorization of the last disputed transaction. Funding event was observed after the authorization of the last disputed transaction while the card was said to be lost or stolen.
Galileo deny code 51,78 was captured within the UT timeline not related to the disputed merchant however, they are on the disputed card ending 8305. CH has no prior history with the disputed merchant TROPICAL SMOOTHIE CAFE hence, this is abnormal to the CH. Member has prior history with the disputed merchant CHICK-FIL-A and Wine And Spirits hence, this is normal to the CH. No fraud alerts. No RTA, Penny and Galileo response/ deny codes with the disputed merchant TROPICAL SMOOTHIE CAFE and CHICK-FIL-A and WINE AND SPIRITS RTA response code 51,78 was captured within the UT timeline not related to the disputed merchant however, they are on the disputed card ending 8305. Penny response code 51,78 was captured within the UT timeline not related to the disputed merchant however, they are on the disputed card ending 8305. RTA: AVS RESULTZ AVS RESULTB AVS RESULTZ AVS RESULTB VISA: AVS Result: Z ZIP matches, address does not AVS Result: Address verification is not applicable AVS Result: Z ZIP matches, address does not AVS Result: Address verification not applicable No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline suggesting that CH has control of the account. Sent ZD #57643585. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-07 to 2022-11-14 TRXN TYPE: Moto 7 Entry Mode 1 Card-Absent with CB rights Moto Blank Entry Mode 7 Card-Absent no CB rights Moto 7 Entry Mode 1 Card-Absent with CB rights Moto Blank Entry Mode 7 Card-Absent no CB rights