4605873

DISPUTE ID: 4605873 DND: 2022-07-05 Reg E: Yes Intake Type: Phone OLD/NEW: OLD Disputed Transaction: WALMART.COM 8009666546, BENTONVILLE, ARUS Amount: $-140.99 Auth: 2022-06-22 23:05:18 Settlement: 2022-06-29 17:07:00 Last 4 disputed card: 6429 Merchant Credit: no merchant credit Claim cancellation: no claim cancellation Card replaced: Yes PC Due/Issued: 2022-07-19 Card Status: In possession Pin Status: secured Transaction type: Moto 7 Entry Mode 10, card not present

THOROUGH INVESTIGATION

WRITE-OFF: No prior history with the disputed merchant

DENIAL: Funding event was observed prior to the disputed transaction. Cash in and cash out was observe during the UT timeline, which clearly shows that CH is aware of the account balance and anticipated to the transaction. Low ending balance Deny code 05 is observed within the UT timeline not related to the disputed transaction. No PII changes No fraud alert

Notation: Dispute ID:4605873. DND:2022-07-05 .CH is disputing 1 UT transactions with WALMART.COM amounting to $140.99 that settled on 2022-06-29 17:07:00. No claim cancellation. No merchant credit. Card ending in 6429 is already replaced. INVESTIGATION As per Penny, the card is in possession and PIN is secured. Transaction type is Moto 7 Entry Mode 10, with no response code 85, card not present. CH has no prior history with the disputed merchant. However, funding event was observed prior to the disputed transaction. Cash in and cash out was observe during the UT timeline, which clearly shows that CH is aware of the account balance and anticipated to the transaction. Low ending balance .Deny code 05 is observed within the UT timeline but not related to the disputed transaction. No PII changes. No fraud alert. Therefore, no error found. Case denied. FR#2243256363. ZD#50479248. Case Closed.