5143542-1

Dispute ID:5143542-1. DND 2022-09-23. REG E claim. OLD account. CH is disputing 1 UT from Apple amounting to $11.98. As per VCF, card in possession at time of purchase. PIN is memorized. No merchant credit. No claim cancellation. Moto 7 Entry Mode 10 Card-Absent Transactions. With CB rights. ***INVESTIGATION *** Observed direct deposit prior to the authorization of the disputed transaction from PAYROLL on 2022-09-20 15:23:48 amounting to $1164.36. The same direct depositor was observed funding CH account since 2022-04. Prior to the funding from direct deposit, CH balance is already exhausted. Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior to the authorization of the disputed transaction.

As per RTA, response code 51,85 was captured but not related with the disputed merchant. As per RTA, response code 51 was captured with the disputed merchant. AVS RESULT Z for both disputed transactions. No freezing, unfreezing of the disputed card within UT timeline. Balance exhausted. No fraud alerts. No PII changes. No signs of account takeover. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54709233. Filed FR ROL Case #5214039500,5214031442. Case closed.