5798288

Dispute ID: 5798288. PTF CLAIM. CH disputing 5 Debit Unauthorized Transaction from AMAZON for $43.61. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card IN POSSESSION AT THE TIME OF TRXNS. PIN MEMORIZED. Disputed card ending 3900 is closed. Case Decision: DENIED . VROL Case #:2297686629,2297687118,2297687117, 2297683797, 2297686630 Overall Investigation: With funding event via Pay Friends Transfer amounting to $60.00 observed on 2022-01-25 09:18:48 before the authorization of the disputed transaction from AMZN Mktp US, Amzn.com/bill, WAUS on 2022-01-27 18:43:09. The funding is not directly impacting the disputed trxn. After the funding there's trxn in between which is not enough to cover the disputed trxn. RTA response code 85, 05, 51, 10 was captured within the UT timeline on the disputed card. Galileo deny code 05, 51 was captured within the UT timeline on the disputed card. PENNY RESPONSE CODE 05 was captured within the UT timeline on the disputed card. However, CH is a frequent user OF Amazon, is not abnormal since there was a previous history from said merchant, intermittent transactions observed which indicates that the member is not new to merchant because of previous engagement. No fraud alerts. RTA:AVS RESULT N VISA:AVS Result: N No: Neither address nor ZIP matches PII change of address was captured within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #59420795. CASE CLOSED.

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