5586963

Dispute ID: 5586963. REG E claim. CH is disputing 1 Debit UT from Carters amounting to $234.00. As per Penny, card in possession at the time of the transaction. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 3156 is closed. Case Decision: Approve. VROL Case No. 2284443905. OVERALL INVESTIGATION: With history from Carters. This is normal to the CH. No PII changes captured within UT timeline. No signs of ATO. No fraud alerts. There is freezing, unfreezing of the disputed card within the UT timeline. Cash in cash out was captured within the UT timeline. However, No manual funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the disputed transaction. MCO not initiated. Merchant is closed for business hours. Galileo deny code 78 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 3156. No RTA and Penny response code with the disputed merchant. RTA response code 78, 85 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 3156. Penny response code 78, was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 3156. RTA: AVS RESULTB VISA: AVS Result: Address verification is not applicable There is no enough evidence to deny the claim. Final resolution, error found. Unable to file CB due to disputed transaction is not eligible for CB. Sent ZD #57964650. Case closed.

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