5696485 CB lost

Dispute ID 5696485. CH claimed 2 unauthorized transaction from Sp Dollskill and Olive Garden amounting to $163.98. Reg E. No claim cancellation. No merchant credit. CB Lost, Merchant present compelling evidence wherein the member's name, address, and email address matches their record. VROL 2291849063, FR #2291842678. No Error Found. PVC scheduled for reversal on 2023-01-11. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 ERRATUMDispute ID: 5696485. CH disputing 2 Debit Unauthorized Transaction from Sp Dollskill and Olive Garden for $163.98. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card is in possession at the time of purchase. PIN memorized. Disputed card ending 6711 is closed. Case Decision: chargeback initiated. VROL Case#:2291849063 Overall Investigation: No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the last disputed transaction. Funding event was captured within the UT timeline. Disputed merchant Sp Dollskill and OLIVE GARDEN is normal to the CH. Spending amount from Sp Dollskill is normal and OLIVE GARDEN is abnormal. No fraud alert/indication. The disputed transaction from Olive Garden is outside the vicinity with the member's address on the account. Galileo deny code 05,57 was captured with the disputed card. No RTA/ Penny response code with the disputed merchant SP DOLLSKILL +14243487625 CAUS and OLIVE GARDEN. Penny response code 05, 57 was captured with the disputed card. RTA response code 05,57 was captured with the disputed card. RTA: AVS RESULT Y and AVS RESULT B VISA: AVS Result: Y Exact: Address and ZIP match AND AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. No freezing, unfreezing of the disputed card within the UT timeline. Unable to initiate MCO, merchant is closed for business hours. No enough evidence to deny the claim. Chargeback initiated. No CB rights for the disputed trxn ID 91821423614. CASE ONGOING.

UT TIMELINE: 2022-11-26 TO 2022-12-07 TRXN TYPE: Moto 7 Entry Mode 01 Moto Blank Entry Mode 07