5619682

Dispute ID: 5619682. REG E claim. CH is disputing 1 Debit UT from Google Snapchat amounting to $39.99. As per Penny, card in possession at the time of purchase. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 8037 is closed. Case Decision: DENIED. VROL Case Number 2286385911. OVERALL INVESTIGATION: With funding event via Visa Money Transfer amounting to $4.60 observed on 2022-11-23 16:39:30 before the authorization of the disputed transaction from GOOGLE *Snapchat, Mountain View, CAUS on 2022-11-25 02:11:32. CH has a Spotme limit of $25.00 which enabled the transaction to go through. Cash in cash out was captured within the UT timeline. Galileo deny code 51 was captured with the disputed merchant on the disputed card. CH has a history with the disputed merchant, hence, this is normal to the CH. RTA response code 85 and 51 was captured with the disputed merchant on the disputed card. RTA: AVS RESULT Y VISA: AVS Result: Y Exact: Address and ZIP match No fraud alert/indication. Penny response code 51 was captured with the disputed merchant on the disputed card. Penny/ RTA response code 10 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8037. No PII changes captured within UT timeline. No signs of ATO. There is freezing unfreezing of the disputed card within the UT timeline, suggesting that member has full control of the acount. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58182274. Case closed.

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