5263114

Dispute ID:5263114. DND 2022-09-21. REG E claim. OLD account. CH is disputing 1 UT from Artnart* amounting to $59.00. As per VCF, card not in possession at the time of transaction. PIN stated as "Notebooks". No merchant credit. No claim cancellation. INVESTIGATION. No signs of account takeover. Balance exhausted No PII changes. No fraud alerts. However, there is no funding event prior to the authorization of the disputed transaction. Member has no previous transactions with the disputed merchant. As per Galileo, deny code 57 was captured but not related with the disputed merchant. As per RTA, response code 59,51,85,57 was captured within UT timeline but not related with the disputed merchant. As per RTA, no response code was captured with the disputed merchant. AVS RESULT Z. No freezing, unfreezing of the card within UT timeline. Merchant call unsuccessful, long wait time. Held on the line for at least 3 minutes. Call attempts and wait time limit exhausted. Unable to validate the requested information. Error found. Proceed to chargeback. Sent ZD#54711339. VROL Case #5214078528. Case ongoing