5627019

Dispute ID: 5627019. CH disputing 3 Debit Unauthorized Transaction from multiple merchants for $46.18. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at the time of purchase. PIN memorized. Disputed card ending 2105 is closed. Case Decision: DENIED. VROL Case #:2286907501, 2286907502, 2286907503 . Overall Investigation: Pattern of funding event was observed one of which is via Visa Money Transfer amounting to $58.95 observed on 2022-11-10 09:54:26 before the authorization of the disputed transaction from JNSCHG.COM, 877-3277720, FLUS on 2022-11-10 14:38:50. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 46,51,59,05 was captured within the UT timeline but not related withthe disputed transactions,however, they are on the disputed card ending 2105. Galileo deny code 51 was captured with the disputed merchant Amazon Prime Amzn.com/billWAUS. Galileo deny code 59 was captured with the disputed merchant JNSCHG.COM No history with the disputed merchant Jnschg Com and Dtbill Net, hence this is abnormal to the CH account. With history from Amazon, hence this is normal to the CH. No fraud alert/indication. RTA/ Penny response code 59 was captured with the disputed merchant JNSCHG.COM. No RTA/ Penny response code with the disputed merchant DTBILL.NET. RTA/ Penny response code 51 was captured with the disputed merchant Amazon Prime. Disputed merchant Amazon Prime Amzn.com/billWAUS recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. RTA response code 46,51,59,05,85,10 was captured within the UT timeline but not related withthe disputed transactions,however, they are on the disputed card ending 2105. Penny response code 46, 51,10,59,was captured within the UT timeline but not related withthe disputed transactions,however, they are on the disputed card ending 2105. RTA: AVS RESULT Z and AVS RESULT Y VISA: AVS Result: Z ZIP matches, address does not and AVS Result: Y Exact: Address and ZIP match PII change of phone and address was captured within the UT timeline. There is freezing, unfreezing of the disputed card within the UT timeline suggesting that member has full control of the account. There is enough evidence todeny the claim. Final resolution, no error found. Sent ZD #58237591. Case closed.

🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄 UT TIMELINE: 2022-11-08 to 2022-11-29 TRXN TYPE: Moto 7 Entry Mode 01 Moto 7 Entry Mode 01 Moto 2 Entry Mode 01