5695434

Dispute ID: 5695434. CH disputing 2 Debit Unauthorized Transaction from Txtvrfy for $80.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card and PIN unspecified. Disputed card ending 4678 is closed. Case Decision: . VROL Case #:, . Overall Investigation: With history from ADOBE. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Spending pattern was observed. Disputed merchant is normal to the CH. Presence of Galileo, Penny, RTA, deny/ response code 51 captured within UT timeline on the disputed card but not related with the disputed merchant. RTA response code 85 captured within UT timeline but not related with the disputed merchant. No fraud alert/indication. RTA & VISA: AVS RESULT Z. Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's CH responsibility to cancel it. Chime is not liable. No PII changes captured within UT timeline. No signs of ATO. There is no enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket Number 58788402. CASE CLOSED. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-26 to 2022-12-03 TRXN TYPE: Moto 2 Entry Mode 10