5478087

DISPUTE ID: 5478087 DND: 2022-11-07 | Phone

CH claimed 4 Unauthorized debit transactions with the total amount of $72.40 against with the merchant Purlinx Com. Regulation E claim. Card replaced. No claim cancellation nor Merchant credit found. Card in possession. Pin kept in CH's wallet. Transaction TYPE: Entry mode 1 | Moto 7, Entry mode 10 | Moto 7, and Entry mode 10 | Moto 8

Investigation

Disputed transaction has entry mode 10 which credential on file however there's no response code 85 observed within UT timeline. No ATO hallmark nor PII changes found within UT timeline however No funding activity found prior to the authorization date of the disputed transaction. No previous transaction with the disputed merchant. No cash in - cash out observed within UT timeline. Deny codes 46,59,57,51,and 57 found within UT timeline under the disputed transaction and some deny codes 59 are associated on the disputed merchant. High ending balance observed after the authorization the of the disputed transaction. No freezing and Unfreezing activity captured within UT timeline. Initiated MCO however representative mentioned they don't have other CH's information aside from email address which is not match on our end. Unable to validate the transaction through OBC

Result: No enough evidence to deny the claim. Therefore, Initiated CB with rol case# 2277590538 and 2277590539 . ISSUED PVC ZD# 57214011 CASE ONGOING.