5871934/ 5871934-1

Dispute ID: 5871934/ 5871934-1. CH disputing 4 Debit Unauthorized Transaction from MULTIPLE MERCHANTS for $157.88. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card STOLEN and PIN MEMORIZED . Disputed card ending 9269 is closed. Case Decision: DENY VROL Case #: 2304018030 2304018031, 2304018032. Unable to file FR for STAR transactions, no STAR access.
Overall Investigation: With funding event via Card to Card amounting to $300.00 observed on 2022-12-23 22:05:19 before the authorization of the disputed transaction from WAL-MART #2817 Wal-Mart Super Center, LANSING, ILUS on 2022-12-24 13:52:10. Cash in cash out was captured within the UT timeline. Continuous funding event was captured after the authorization of the last disputed transaction while the card was said to be stolen. The disputed card present EMV transaction from BP#103860035 AND KING, CHICAGO, ILUS is within the vicinity with the member's address on the account.
Galileo,RTA, and Penny deny/ response code 46 was captured within the UT timeline on the disputed card. RTA response code 85 was captured within the UT timeline on the disputed card but not related with the disputed merchants. Disputed transaction from WAL-MART #2817 Wal-Mart Super Center, LANSING, ILUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. No fraud alert/indication. Disputed merchant WAL-MART #2817 Wal-Mart Super Center, LANSING, ILUS and BP#103860035 AND KING, CHICAGO, ILUS is abnormal to the CH. With history from Apple. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Disputed merchant is normal to the CH. Spending pattern and amount was normal to the CH. With history from Paddle.net* Resume. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Disputed merchant is normal to the CH. Spending amount was abnormal. Disputed merchant transaction from PADDLE.NET* RESUME.IO and APPLE.COM/BILL 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. RTA: AVS RESULT B AVS RESULT Z AVS RESULT Y VISA: AVS Result: Address verification is not applicable AVS Result: Z ZIP matches, address does not AVS Result: Y Exact: Address and ZIP match No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Final letter sent ZD Ticket Number 60151372, 60151395. PVC scheduled for reversal on 2023-01-09. CASE CLOSED.

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