5745197

Dispute ID: 5745197. PTF CLAIM. CH disputing 5 Debit Unauthorized Transaction from multiple merchants for $300.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card IN POSSESSION and PIN memorized. Disputed card ending 1293 is closed. Case Decision: DENIED. VROL Case #: 2294723595,2294720139,2294717763,2294717260,2294716789 Overall Investigation: No funding event prior to the authorization of the first disputed transaction. With fraud alerts on the disputed card within the UT timeline. Disputed merchants are abnormal to the CH. Presence of deny/RESPONSE code 51,59 was captured within the UT timeline on the disputed card as per Galileo, RTA. RTA response code 10 was captured within the UT timeline on the disputed card. However, Balance exhausted after the authorization of the disputed transaction. MCO initiated for the disputed transaction from MODERNFITNESSTECH 855-4765931, NM US a representative named Sonia validated the information of the CH, wherein the name, physical address and email address matches the records on file. RTA: AVS RESULTY AVS RESULTB AVS RESULTB AVS RESULTB AVS RESULTB VISA: AVS Result: Y Exact: Address and ZIP match AVS Result: Address verification not applicable AVS Result: Address verification not applicable AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. Freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH is in control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket Number 59117918. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-03-06 to 2022-08-25 Moto 7 Entry Mode 1 Card Not present Moto Blank Entry Mode 91 Contactless Moto Blank Entry Mode 7 Moto Blank Entry Mode 7 Moto Blank Entry Mode 7