DISPUTE ID: 4605758
DND: 2022-07-05
Reg E: Yes
Intake Type: Phone
OLD/NEW: Old
Disputed Transaction: Repairs-JustAnswer.com, San Francisco, CA US 
Amount: $-46.00
Auth: 2022-07-01 05:45:58
Settlement: 2022-07-02 20:16:36
Repairs-JustAnswer.com, San Francisco, CAUS
Amount: $-1.00
Auth:2022-07-01 05:45:59
Settlement:2022-07-02 20:16:36
Merchant name: Repairs-JustAnswer.com, San Francisco, CA US 
Last 4 disputed card: 4990
Merchant Credit: no merchant credit
Claim cancellation: no claim cancellation
Card replaced: Yes
PC Due/Issued: 2022-07-19
Card Status: In possession
Pin Status: Memorized
Transaction type: moto 7, entry mode 01 

THOROUGH INVESTIGATION

WRITE-OFF:
CH has no prior history 
No spending transaction history from the disputed merchant 
No funding event prior to the UT timeline
Deny Code 05 during UT timeline but not related to the disputed transaction
High ending balance
Spending behavior is abnormal
No freezing and unfreezing during UT timeline

DENIAL:
No PII changes
No fraud alerts
Spending velocity is normal

Notation:
Dispute ID: 4605758. DND: 2022-07-05.CH is disputing 2 UT transactions with Repairs-JustAnswer.com amounting to $47.00 that settled on 2022-07-02 20:16:36 No claim cancellation. No merchant credit. Card ending in 4990 is already replaced. ***INVESTIGATION*** As per Penny, the card is in possession and PIN is memorized. Transaction type is Moto 7 Entry mode 10. CH has no prior history. No funding event prior to the UT timeline. Deny Code 05 during UT timeline but not related to the disputed transaction. High ending balance. Spending behavior is abnormal. Filed CB# 2243262902. Other transaction has no CB rights below CB threshold. Case ongoing.