Dispute ID: 5814816.  CH disputing 1 Debit Unauthorized Transaction from Dasco Home Medical E for $35.94. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card IN POSSESSION AT THE TIME OF TRXNS. PIN MEMORIZED. Disputed card ending 9830 is closed. Case Decision: CHARGEBACK INITIATED.
VROL CASE NUMBER: 2298907043
Overall Investigation:
Balance exhausted.
No fraud alerts.
No PII changes captured within UT timeline. No signs of ATO.
Disputed trxn has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable.
Funding and cash-in cash-out event was captured within the UT timeline.
However,
No prior history with the disputed merchant. Disputed merchant is abnormal to the CH. MCO performed, a representative named Meg cannot find information that matches the CH records on file.
Presence of Galileo, RTA, and Penny deny/ response code 51, 54 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 9830. NO freezing, unfreezing of the disputed card within the UT timeline. RTA: AVS RESULT N. VISA: AVS Result:	N	No: Neither address nor ZIP matches.
No enough evidence to deny the claim. Chargeback initiated.
Sent ZD #59538197. CASE ONGOING.


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UT TIMELINE:2022-12-11 to 2022-12-16
TRNX TYPE: moto 2 entry mode 10
FR: 
Meg,