5833008

Dispute ID: 5833008. CH disputing 2 Debit Unauthorized Transaction from Zipcar Application AND Amzn Mktp UsFs92 for $47.85. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card is in possession at time of purchase. PIN saved in phone. Disputed card ending 0428 is closed. Case Decision: DENIED VROL Case #: 2300125859, 2300125860
Overall Investigation: With funding event VIA Incomm API Load observed on 2022-12-08 13:42:31 AND ON 2022-12-08 13:43:04 before the authorization of the disputed transaction from Zipcar Application, 757-6872808, MAUS on 2022-12-09 14:24:53. Prior to the funding the account balance is almost exhausted which means that CH anticipated the transaction and thus funded the account accordingly. Disputed merchant AMZN Mktp USH83BI4U02, Amzn.com/bill, WAUS is normal to the CH. As per Galileo, it has undisputed history. Disputed merchant Zipcar is abnormal to the CH. Cash in cash out was captured within the UT timeline. No fraud alerts. Galileo, RTA, and Penny deny/ response code 59,51 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 0428. RTA respsonse code 85 was captured with the disputed merchant Zipcar. RTA: AVS RESULT Z, AVS RESULT N VISA: AVS Result: Z ZIP matches, address does not ,AVS Result: N No: Neither address nor ZIP matches No PII changes captured within the UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD Ticket #59662714. CASE CLOSED.

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