5165223-1

Dispute ID: 5165223-1. DND 2022-09-26. Reg E. Old account. CH is disputing 1 UT from Microsoft amounting to $10.65. As per VCF, card not in possession at time of purchase. PIN memorized. No merchant credit. No claim cancellation. Card ending with 2235 is closed. Transaction Type: Moto 2, Entry Mode 10 Card-Absent with CB rights. INVESTIGATION. No freezing, unfreezing of the disputed card within UT timeline. Upon checking on PI under VROL from the transaction from Microsoft the name, address, matches with the member's record on the account. No suspicious declined codes within UT timeline as per Galileo. With history from Microsoft. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised. As per RTA, response code 05 was captured within UT timeline but not related with the disputed merchant. AVS Result: Z ZIP matches. No fraud alerts. No PII changes. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54963250. Filed FR ROL Case #5216275402. Case closed.