5311932

Dispute ID: 5311932. REG E claim. CH is disputing 2 UT from Amazon amounting to $100.00. As per Penny, card in possession at the time of purchase. PIN stated as "Nowhere". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 0946 is closed. Case Decision: Approved. CB Won - Acquirer Response Timeframe Expired. VROL Case No. 2266090111,2266090112. INVESTIGATION FOUND: OVERALL INVESTIGATION: No PII changes captured within UT timeline. no signs of ATO. No fraud alerts. With previous transaction from the disputed merchant, hence, this is normal to the CH. However, No funding event before the authorization of the disputed transaction. In Galileo, deny code 59 was captured with the the disputed merchant. Penny response code 59 was captured with the the disputed merchant. High ending balance after the authorization of the last disputed transaction. RTA response code 59 and 85 was captured with the disputed merchant. RTA response code 85 was captured but not related with the disputed merchant, however, they are on the same disputed card ending 0946. RTA: AVS RESULT Y for all disputed transaction. VISA: AVS Result: Y Exact: Address and ZIP match MCO not initiated. Merchant is on the approved DNC list. No freezing, unfreezing of the disputed card within the UT timeline. Error found. CB Won - Acquirer Response Timeframe Expired. Sent ZD #55948488, final letter ZD Ticket Number 57699742. Case closed. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT timeline: 2022-10-09 to 2022-10-14 TRXN Type: Moto 7 Entry Mode 1 Card-absent with CB rights.