5735788

Dispute ID: 5735788. CH disputing 2 Debit Unauthorized Transaction from Experian* Credit Rep for $34.90. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card in possession at time of the purchase. Pin stated as "Phone". Disputed card ending 7186 is closed. Case Decision: DENIED. VROL Case #: 2294064372,2294067111. Overall Investigation: Upon checking on PI under VROL from the transaction from Experian* Credit Report the name and email address matches with the member's record on the account. With funding event via Card to Card amounting to $50.00 observed on 2022-12-07 20:27:17 before the authorization of the disputed transaction from Experian* Credit Repor, 479-3436237, CAUS on 2022-12-08 08:09:08. Low ending balance after the authorization of the last disputed transaction. Presence of deny code 55,51 was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny. Disputed merchant is abnormal. Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. No fraud alert/indication. Presence of RTA response code 85 was captured within the UT timeline on the disputed card. RTA: AVS RESULT N VISA: AVS Result: N No: Neither address nor ZIP matches No PII changes captured within UT timeline. No signs of ATO. Multiple freezing, unfreezing of the disputed card within the UT timeline was captured which means that CH is in control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket Number 59057563. Case closed. 🎀🎀🎀🎀🎀🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄 UT TIMELINE: 2022-11-22 to 2022-12-11 TRXN TYPE: Moto 2 Entry Mode 10