Shared note

Dispute ID: 4792509 DND: 2022-08-01 CH claimed 1 UT POS As per penny, Card and pin unverified. No claim Cancellation, No merchant credit.

Investigation: The disputed transaction is Card Absent Transaction. *With previous transaction with the same merchant Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction. *With funding event 2 days prior the authorization date via Visa Money Transfer dated on 2022-07-27 at 02:22:37 amounting to $9.75. *No fraud alert captured by the system. *With freezing unfreezing Activity of the card observed during UT timeframe, indicating that the member is still in control of the card's activity. *No signs of PII changes. Found deny code 05 Therefore no error found. Final Letter sent. Fr done. VROL #