5390484

Dispute ID: 5390484. CH disputing 1 Debit Unauthorized Transaction from Walmart Super Center for $180.95. Dispute Notification Date: 2022-10-26. Reg E. Case Decision: *. Unable to file for FR for STAR transactions, no STAR access. Overall Investigation: As per Penny, card not in possession at time of transaction. PIN memorized. No merchant credit found as of this time. No claim cancellation. TRXN TYPE: Card-present EMV chip. Disputed card ending 6929 is closed. UT timeline: 2022-10-22 to 2022-10-26 Disputed transaction from Wal-Mart Super Center 1112 WAL-SAMS, THOMASTON, GAUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. The disputed card present transaction is within the vicinity with the member's address on the account, approximate time 19mins. With funding event observed from Visa Money Transfer on 2022-10-24 11:01:01 amounting to $288.77 and on 2022-10-24 10:59:10 amounting to $491.25 before the authorization of the disputed transaction from Wal-Mart Super Center 1112 WAL-SAMS, THOMASTON, GAUS on 2022-10-24 12:59:38. No suspicious declined codes within UT timeline. No fraud alert. RTA: AVS RESULT B. RTA response code 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6929. No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56497819. Case closed.