5312511

Dispute ID: 5312511. DND: 2022-10-16. REG E claim. Old account. CH is disputing 5 UT from multiple merchants amounting to $239.83. As per Penny, card is in possession at the time of transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 6739 is closed. International transactions. INVESTIGATION FOUND: UT timeline: 2022-08-24 to 2022-10-16 TRXN Type: Moto 7 Entry Mode 1 Card-absent with CB rights. INVESTIGATION FOUND: With funding event observed from Visa Money Transfer on 2022-10-12 23:59:48 before the authorization of the disputed transaction from POTENTIAL API on 2022-10-13 02:25:02. In Galileo, deny code 51,59,05, was captured but not related with the disputed merchant, however, they are on the same disputed card ending. No fraud alerts. RTA response code 51,85,59,05,N7,10, was captured but not related with the disputed merchant, however, they are on the same disputed card ending. No RTA response code with the disputed merchant: POTENTIAL API, Writers Ink,8MG Technoligies,LAUNCH MOI CONSULTING,COWRIEX. RTA: AVS RESULT Y AVS RESULT B AVS RESULT B AVS RESULT B AVS RESULT B VISA: AVS Result: Y Exact: Address and ZIP match AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. There is freezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #. VROL Case #. Case closed.

#force_post

Approval: High ending balance after the authorization of the last disputed transaction. No previous transaction history with the disputed merchants.