5470152

DISPUTE ID 5470152. CH disputing 2 Debit UT amounting $30.99 with Brigit. Reg E. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card in possession at the time of transaction. PIN memorized. Card Not present transaction. Case decision: . VROL Case #: . Disputed card ending 2733 closed. OVERALL INVESTIGATION: No fraud alerts. There is freezing, unfreezing of the disputed card within the UT timeline. No PII changes captured within UT timeline. No signs of ATO. However, member has no funding event prior to the disputed transaction. Member has no prior transaction with the disputed merchant. High ending balance after the authorization of the last disputed transaction. Galileo deny code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2733. Galileo, RTA, VROL deny/ response code 51 was captured with the disputed merchant. RTA response code 85,51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2733. MCO not initiated, merchant contact number cannot be found. RTA: AVS RESULT Y AVS RESULT Y VISA: AVS Result: Y Exact: address and ZIP match AVS Result: Y Exact: address and ZIP match There is no enough evidence to deny the claim. Final resolution, error found. Proceed to write-off. Sent ZD #. . Case closed

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