5484888

Dispute ID: 5484888. CH disputing 1 Debit Unauthorized Transaction from Audi Bargain for $111.45. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card and PIN unverified. Disputed card ending 3309 is closed. Case Decision: Chargeback initiated. VROL Case #: 2278193403. Overall Investigation: Member has previous transaction with the disputed merchant. No fraud alerts. No PII changes captured within UT timeline. No signs of ATO. No RTA response code with the disputed merchant AUDI BARGAIN. RTA response code 43,59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 3309. However, No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the disputed transaction. Galileo deny code 43,59 was captured within the UT timeline but not related with the disptued merchant, however, they are on the disputed card ending 3309. MCO initiated. Merchant close for business hours. Unable to validate information VISA: AVS Result: Y Exact: Address and ZIP match RTA: AVS RESULT Y There is no freezing, unfreezing of the disputed card within the UT timeline. There is no enough evidence to deny the claim. Chargeback initiated. Sent ZD #57283147. Case ongoing.