5585024

Dispute ID: 5585024. REG E claim. CH is disputing 1 UT from Automotive Credit Co amounting to $372.89. As per Penny, card not in possession at the time of transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 3990 is closed. Case Decision: Denied. VROL Case No.2284374616. OVERALL INVESTIGATION: With funding event observed from Friend Transfer amounting to $124.00 on 2022-09-22 09:15:52, and Visa Money Transfer amounting to $20.63 on 2022-09-22 13:03:24 before the authorization of the disputed transaction from AUTOMOTIVE CREDIT CO, 8885539196, CAUS on 2022-09-22 13:05:48. Low ending balance after the authorization of the disputed transaction. Galileo deny code 51,05 was captured within the UT timeine but not related with the disputed merchant, however, they are on the disputed card ending 3990. Member has no prior history with the disputed merchant, hence, this is abnormal to the CH. Funding event was captured within the UT timeine while the card was said to be not in possession. No fraud alert/indication. Disputed merchant has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. As per RTA response code 85 was observed within the UT timeline but not related with the disputed merchant. RTA response code 51,05,10 was captured within the UT timeine but not related with the disputed merchant, however, they are on the disputed card ending 3990. Penny response code 51,10,05 was captured within the UT timeine but not related with the disputed merchant, however, they are on the disputed card ending 3990. No Penny response code with the disputed merchant. RTA: AVS RESULTY VISA: AVS Result: Y Exact: Address and ZIP match No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57958298. Case closed.

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