5872574

Dispute ID: 5872574. CH disputing 1 Debit Unauthorized Transaction from 7 Eleven for $51.30. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction and PIN memorized. Disputed card ending 7833 is closed. Case Decision: VROL Case #: Overall Investigation: No fraud alerts. Balance exhausted after the authorization of the last disputed transaction. No PII changes captured within UT timeline. However, There is a funding event observed within the UT timeline not directly impacting the disputed transaction. CH has no prior history with the same disputed merchant with the same exact location, hence this is abnormal to the CH. Galileo, RTA, Penny deny/ response code 51 was captured within the UT timeline on the disputed card. RTA, Penny response code 10 was captured within the UT timeline on the disputed card. The disputed merchant is within the State.
RTA: AVS RESULT B VISA: AVS Result: Address verification is not applicable No freezing, unfreezing of the disputed card within the UT timeline. MCO initiated however merchant is not available stayed on the line for 3mins. unable to validate the information. No enough evidence to deny the claim. No CB rights. Therefore, error found. Final letter sent ZD Ticket Number 59830544. CASE CLOSED.

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