5836353

ERRATUMDispute ID:5836353.PTF CLAIM. CH disputing 1 Debit Unauthorized Transaction from Euphoria Restauran for $355.01. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card not in possession at the time of the transaction(s) and PIN memorized. Disputed card ending 1194 is closed. Case Decision: DENIED VROL CASE NUMBER:2300275606 Overall Investigation: With funding event observed via Friend Transfer on 2022-07-15 20:47:07 before the authorization of the disputed transaction from TST* EUPHORIA RESTAURA, BALTIMORE, MDUS on 2022-07-15 20:47:38. Low ending balance after the authorization of the disputed transaction. Continuous funding event was captured after the authorization of the disputed transaction while the card was said to be not in possession. Galileo, RTA. and penny deny/ response code 55,51 was captured within the UT timeline not related with the disputed merchant however they are on the disputed card. As per RTA Response code 85 was captured within UT timeline. No fraud alerts. Disputed merchant is normal, CH has prior history with the disputed merchant. Succeeding transaction with the disputed merchant was observed. The disputed card present transaction is within the vicinity with the member's address on the account. With valid undisputed EMV initiated transaction from TST* ATLAS RESTAURANT, BALTIMORE, MDUS on 2022-07-15 18:51:14 amounting to $198.66 . RTA: AVS RESULTB VISA: AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution no error found. Final letter sent ZD Ticket Number 59682974. CASE CLOSED