5396933

Dispute ID: 5396933. CH disputing 11 Debit Unauthorized Transaction from Amazon for $110.57. Dispute Notification Date: 2022-10-27. Reg E. Case Decision: DENIED. VROL Case #: *. Overall Investigation: As per Penny, card in possession at the time of transaction. PIN memorized. With merchant credit found from Amazon, for the amount of $13.99 that settled on 2022-08-24 . No claim cancellation. TRXN TYPE: Moto7 Entry Mode 1 Card Not present with CB rights. Disputed card ending 4882 is closed. UT timeline: 2022-08-17 to 2022-10-03. With funding event observed from Incomm API Load before the authorization of the disputed transaction from AMZN Digital, 888-802-3080, WAUS on 2022-08-19 20:57:29. Prior to the funding, the member's account balance was exhausted which suggests that member has a prior knowledge of his account balance.