6165332

Dispute ID: 6165332. DND 2023-01-29 via Mobile. CH is disputing 1 Debit Unauthorized Transaction from Doordash for $39.65. The disputed transaction is Moto 7 Entry Mode 10 Card Not Present. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at time of purchase. PIN STATED AS "Notes". Disputed card ending 5148 is closed. Case Decision: DENY VROL Case #: 5230105820 Overall Investigation: With funding event observed on 2023-01-21 18:37:43 and on 2023-01-21 21:24:35 before the authorization of the disputed transaction from DOORDASHCHILIS GRILL on 2023-01-21 21:25:06. CH has a Spotme limit of $55.00 which enabled the transaction to go through even though the funding is less than the disputed transaction. Balance exhausted. With history from DOORDASHCHILIS GRILL. Disputed amount is normal. Merchant is normal. Spending pattern not observed. Funding event captured throughout the UT timeline. As per Galileo, RTA, & Penny no deny/ response codes was captured with the disputed merchant. No fraud alerts. As per RTA: AVS RESULT Y As per VISA: AVS Result: Y Exact: Address and ZIP match No PII changes. No signs of ATO. No freezing, unfreezing of the disputed card within the UT timeline. Based on the thorough investigations performed, there is enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 61886494. CASE CLOSED.

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