5293254

Dispute ID: 5294709. DND: 2022-10-13. REG E claim. Old account. CH is disputing 1 UT from Instacash Repayment amounting to $116.89. As per Penny, card in possession at the time of purchase. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 7688 is closed. INVESTIGATION FOUND: With funding event observed from Card to Card amounting to $169.84 on 2022-10-11 19:27:07 before the authorization of the disputed transaction from INSTACASH REPAYMENT on 2022-10-12 00:48:40. In Galileo, deny code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 7688. No fraud alert. No PII changes captured within UT timeline. No signs of ATO. RTA: AVS RESULT Y VISA: AVS Result: Y Exact: Address and ZIP match RTA response code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 7688. No RTA response code with the disputed merchant. With freezing and unfreezing activity within UT timeline. There is enough evidence to deny the claim. Final resolution, NO ERROR FOUND. Sent ZD #55821582. VROL Case #5224102211. Case closed.

UT timeline: 2022-10-10 to 2022-10-15 TRXN Type: Moto 1 Entry Mode 10 Card-Absent with CB rights