5687234

Dispute ID: 5687234. CH disputing 4 Debit Unauthorized Transaction from Walmart and Walgreens for $100.48. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card stolen. PIN memorized. Disputed card ending 0619 is closed. Case Decision: DENIED . VROL Case #2291187535, 2291187536, 2291187537. Unable to file FR for STAR trxn, no STAR access. Overall Investigation: With valid undisputed EMV initiated transaction from AUTOZONE 1397 4120 E, BEAUMONT, TXUS on 2022-12-02 08:39:51 amounting to $5.40 . Disputed transaction from WAL-MART #0651 4145 DOWLEN RD, BEAUMONT, TXUS AND WALGREENS STORE 3605 C, BEAUMONT, TXUS are PIN based however no PIN change nor PIN failed attempts captured related to the dispute. Pattern of funding event was captured one of which is via Visa Money Transfer amounting to $60.92 was observed on 2022-12-02 17:29:23 before the authorization of the disputed transaction from WALGREENS STORE 3605 C, BEAUMONT, TX on 2022-12-02 17:45:09. CH has a Spotme limit of $105.00 which enabled the transaction to go through even though prior to the authorization of the disputed transaction, account balance is already exhausted. Balance exhausted. Galileo deny code 51,78,59, was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 0619. Galileo deny code 78 was captured with the disputed merchant WALGREENS STORE 3605 COBEAUMONT TXUS. No fraud alert/indication. With history from WAL-MART #0651 4145 DOWLEN RD, BEAUMONT, TXUS and WALGREENS STORE 3605 C, BEAUMONT, TXUS hence this is normal to the CH account. The disputed card present EMV transaction is within the vicinity with the member's address on the account.
RTA response code 51,78,59,85 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 0619. RTA/ Penny response code 78 was captured with the disputed merchant WALGREENS STORE 3605 COBEAUMONT TXUS.
No RTA response code with the disputed merchant WAL-MART #0651 Penny response code 51,78,59 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 0619. RTA: AVS RESULT B, for all disputed transactions. VISA: AVS Result: Address verification not applicable, for all disputed transactions.
PII change of address was captured within the UT timeline. Multiple freezing, unfreezing of the disputed card within the UT timeline was captured, an indication that CH has control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket Number 58723322. CASE CLOSED.

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