5935790

Dispute ID: 5935790. CH disputing 4 Debit Unauthorized Transaction from Apple and Legends Hospitality for $100.22. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen. PIN memorized. Disputed card ending 7342 is closed. Case Decision: DENY VROL Case #: 2304573080,2304572713,2304569459,2304567987 Overall Investigation: With funding event via Card to Card amounting to $100.00 observed on 2022-12-03 12:17:34 before the authorization of the disputed transaction from LEGENDS HOSPITALITY LL, TAMPA, FLUS on 2022-12-03 17:44:26. With valid undisputed EMV initiated transaction from WALGREENS STORE 605 S, TARPON SPRING, FLUS on 2022-12-12 12:38:37 amounting to $28.67. The disputed card present EMV transaction is within the state with the member's address on the account.
No PII changes captured within UT timeline. No signs of ATO. Balance exhausted after the authorization of the last disputed transaction. Series of funding event was captured within the UT timeline. Mulitple freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH is in control of the account. Disputed merchant/ transaction from APPLE.COM/BILL 866-712-7753 CAUS recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. With history from Apple. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Disputed merchant Apple is normal to the CH. Spending amount is normal. Disputed merchant LEGENDS HOSPITALITY LL, TAMPA, FLUS is abnormal to the CH. No prior history. No fraud alert/indication. Galileo and Penny deny/ response code 51, 78, 57 was captured within the UT timeline on the disputed card. RTA response code 85, 78, 57, 51 was captured within the UT timeline on the disputed card. RTA: AVS RESULT Y AVS RESULT B AVS RESULT Y AVS RESULT Y VISA: AVS Result: Y Exact: Address and ZIP match AVS Result: Address verification not applicable AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match There is enough evidence to deny the claim. Final resolution, no error found. Final letter sent ZD Ticket Number 60221792. CASE CLOSED .

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-01 to 2022-12-29 TRXN TYPE: Moto 2 Entry Mode 10 Moto Blank Entry Mode 05 Moto 2 Entry Mode 10 Moto 2 Entry Mode 10 FR 1 51-13 78-52 46-18