5601969

Dispute ID: 5601969/ 5601969-1. REG E claim. PTF Claim. CH is disputing 8 Debit UT from Amazon amounting to $122.63. As per Penny, card not in possession at the time of transactions. PIN unspecified. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 0094 is closed. Case Decision: Denied. VROL Case No.2286336714,2286336715,2286329461,2286334242, 2286343039, 2286329460, 2286337681, 2286339623. OVERALL INVESTIGATION: Pattern of funding event was observed one of which is from Visa Money Transfer amounting to $216.99 on 2022-06-20 12:59:27 before the authorization of the disputed transaction from AMAZON PRIME PMTS, Amzn.com/bill, WAUS on 2022-06-21 19:00:37. Galileo deny code 46,55,51, 05, 59, 61, 96, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0094. Galileo deny code 51 was captured with the disputed merchant. Member has prior history with the disputed merchant, hence, this is normal to the CH. RTA response code 51,85 was captured with the disputed merchant Amazon. RTA response code 46,55,51,85, N7,59, 05, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0094. Penny response code 46,55, 51,10,N7, 61, 05, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0094. Penny response code 51 was captured with the disputed merchant. With fraud alerts. RTA: AVS RESULT Y, for all disputed transactions. VISA: AVS Result: Y Exact: Address and ZIP match, for all disputed transactions. No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58177894,58177924. Case closed.

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