5366294

Dispute ID 5366294. CH disputing 1 Debit Unauthorized Transaction from McDonald's for $61.18. Dispute Notification Date: 2022-10-23. Case Decision: Denied. VROL Case#2269668211. Overall Investigation: UT TIMELINE: 2022-10-18 to 2022-10-23 TRXN Type: Moto Blank Entry Mode 7 As per Penny, card stolen. PIN stated as "My wallet" Card ending in 3488 is closed. With funding event via Visa Money Transfer observed on 2022-10-20 01:25:53 amounting to $98.25 before the authorization of the disputed transaction from MCDONALD'S F12640, NEWARK, NJUS on 2022-10-20 01:57:47. No suspicious declined codes within UT timeline. No fraud alert/indication. Funding event was observed within UT timeline while the card was said to be stolen.
NO RTA response code with the disputed merchant. RTA: AVS RESULT B VISA: AVS Result: Address verification is not applicable RTA response code 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending in 3488. No PII changes captured within UT timeline. No signs of ATO. There is freezing activity captured within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56315491. Case closed.