5643794

Dispute ID: 5643794. CH disputing 1 Debit Unauthorized ATM withdrawal transaction with cash withdrawal fee for a total of $107.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card is in possession at the time of the transaction. PIN memorized. Disputed card ending 5225 is closed. Case Decision: DENIED . VROL Case Number: 2288189602. Overall Investigation: With funding event observed via Visa Money Transfer amounting to $21.67 on 2022-11-27 10:42:09 before the authorization of the disputed transaction from 1800 18TH STREET, NW, WASHINGTON, DCUS on 2022-11-27 14:12:07. CH has a Spotme limit of $215.00 which enabled the transaction to go through even though prior to the authorization of the disputed trasnaction the CH balance is exhausted. Balance exhausted. The disputed transaction from 1800 18TH STREET, NW, WASHINGTON, DCUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No history with the disputed merchant, hence this is abnormal to the CH. Galileo deny code 46,51,78 was captured within the UT on the disputed card ending 5225. Galileo deny code 46 was captured with the disputed merchant. RTA/ Penny response code 46 was captured with the disputed merchant. RTA response code 46,51,85,78 was captured within the UT on the disputed card ending 5225. Penny response code 46,51,78 was captured within the UT on the disputed card ending 5225. No fraud alert/indication. RTA: AVS RESULT B VISA: AVS Result: Address verification not applicable PII change of address was captured within the UT Timeline.
There is freezing, unfreezing of the disputed card which suggests that CH has control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58373495. Case closed.

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