5134875-1

Dispute ID:5134875-1. DND 2022-09-21. REG E claim. CH is disputing 2 UT from Shell/Shell and Chevron amounting to $20.25. As per VCF, card not in possession at time of transaction. PIN memorized. No merchant credit. No claim cancellation. INVESTIGATION. There is a funding event prior to the authorization of the disputed transaction from Visa Money Transfer on 2022-09-18 09:27:59 amounting to $2517.50. The disputed transaction from Shell Service Station dated 2022-09-18 is EMV transaction. With valid undisputed card present EMV transaction after the authorization of the disputed transaction from PLANET SMOOTHIE 18153, MORROW, GAUS on 2022-09-19 12:51:14 amounting to $8.88. Continous funding within UT timeline. As per Galileo, deny code 61, 59, was captured within UT timeline but not related with the disputed merchant. Member has previous transactions with the disputed merchant, SHELL SERVICE STATION, BP, GRESHAM PACKAGE. No fraud alerts. As per RTA, response code 85,61,59 was captured but not related with the disputed merchant. AVS RESULT B for all disputed transactions. No PII changes. No signs of account takeover. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54636346. Filed FR ROL Case #5213276619,5213277594,5213276617,5213269889. Case closed.