5371014 / 5371014-1

ERRATUMDispute ID 5371014 / 5371014-1. CH disputing 19 Debit Unauthorized Transaction from multiple merchants for $354.58. Dispute Notification Date: 2022/10/24 Case Decision: DENIED. VROL Case#: 2271418297,2271418331,2271418341,2271418349,2271418356,2271425425,2271425437,2271425450,2271425469,2271425490,2271435525,2271435543,2271435555,2271435570,2271435581, 2271435613,2272072091 . Unable to file FR for STAR transaction, no STAR ACCESS. Overall Investigation: As per Penny, card stolen PIN stated as "written down on his notes". Card ending in 9386 is closed. TRXN TYPE: Card Not Present, EMV Contactless and STAR transactions.UT timeline: 2022-10-18 to 2022-10-27 No merchant credit found as of this time. No claim cancellation. With valid undisputed EMV initiated transaction from DOMINO'S 6668, MISSOURI CITY, TXUS on 2022-10-23 12:35:51 amounting to $2.16. The disputed card present EMV transaction from WAL-MART #2505 5501 HWY 6, MISSOURI CITY, TXUS is within the vicinity with the member's address on the account.
Funding event was observed within the UT timeline while the card was said to be stolen. With presence of CNB Enid Deposit from GOODWILL INDUSTR, Payroll on 2022-10-19 19:55:42 amounting to $304.41. Balance almost exhausted after the authorization of the disputed transaction from DOMINO'S 6668, MISSOURI CITY, TXUS on 2022-10-23 12:35:51. Galileo deny code 51
Disputed transaction from WAL-MART #2505 5501 HWY 6, MISSOURI CITY, TXUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. Galileo deny code 43 was captured with the disputed merchant, CASH APPPESOJOSHHHADDVisa TransferCAUS. Galileo deny code 51was captured with the disputed merchant, GRINGO'S STAFFORD STAFFORD TXUS, CRICKET WIRELESS 855-246-2461 FLUS, UBER TECHNOLOGIES INC. RTA response code 43 was captured with the disputed merchant, CASH APPPESOJOSHHHADDVisa TransferCAUS. RTA response code 51 was captured with the disputed merchant, GRINGO'S STAFFORD STAFFORD TXUS. RTA response code 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9386. RTA response code 85 was captured with the disputed merchant, CRICKET WIRELESS 855-246-2461 FLUS. RTA:AVS RESULT Z and AVS RESULT B VISA: AVS Result: Z ZIP matches, address does not and AVS Result: Address verification is not applicable. VISA response code 43 was captured with the disputed merchant, Cash App Thehu Tled. VISA response code 51 was captured with the disputed merchant, GRINGO'S STAFFORD STAFFORD, TX US. 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 #56504029, #56505900, 56569453. PVC scheduled for reversal on 2022-11-03. Case closed.