5331404

Dispute ID: 5331404. DND: 2022-10-18. REG E claim. Old account. CH is disputing 15 UT from Amazon and Lyft and Lyft Temp Auth Hold amounting to $191.90. As per Penny, card in possession at the time of transaction. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 6853 is closed. INVESTIGATION FOUND: TRXN TYPE: Moto 7 Entry Mode 01 Moto 2 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 2 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 UT Timeline: 2022-08-21 to 2022-10-20 With multiple previous transaction/history from Amazon and Lyft that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting on the month of June 2021 up until October 2022, transaction showing that CH is doing business with the disputed merchant. With spending/behavioral pattern, with 3 consecutives months transactions from Amazon since June to August 2021. With spending/behavioral pattern from Lyft since March to June 2022. Balance exhausted after the authorization of the disputed transaction from Lyft *Temp Auth Hold, SAN FRANCISCO, CAUS on 2022-10-17 11:55:14. Galileo deny code 51 was captured with the disputed merchant, Lyft *Temp Auth Hold SAN FRANCISCOCAUS Galileo deny code 51,55, was captured with in UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 6853. No fraud alerts. No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #5331404. VROL Case #2267447861, 2267447862, 2267447863, 2267447864, 2267447865, 2267447866, 2267447867, 2267447868, 2267447869, 2267447870, 2267447871, 2267447872, 2267447873, 2267447874, 2267447875 . Case closed.