4822392

Dispute ID: 4822392. DND: 2022-08-05. Intake type: 2022-08-05. Reg E. Old account. CH is disputing 2 UT from multiple merchants amounting to $13.90. No merchant credit. No claim cancellation. Card ending with 1377 is already replaced. Transaction type Moto 7 Entry Mode 01 card-absent with CB rights. INVESTIGATION As per Penny, card is in possession. PIN is stated as "yes". Funding event prior the authorization of the disputed transaction. 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. No PII changes. No ATO hallmarks. No third party access. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD # 52356669 and 52356881. Filed FR ROL Case #2249677514 and 2249652498. Case closed.

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