5442132

Dispute ID: 5442132. CH disputing 1 Debit Unauthorized Transaction from Doordash for $96.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at the time of purchase. PIN stated as "In memory it was an error". Disputed card ending 1171 is closed. Case Decision: Denied. VROL Case #: 2277586549. Overall Investigation: No funding event prior to the authorization of the disputed transaction. However, With history from Doordash. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised. No PII changes captured within UT timeline. No signs of ATO. Balance exhausted after the authorization of the disputed transaction. Galileo, RTA deny/ response code 43 was captured within UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1171. Galileo, RTA deny/ response code 51 was captured with the disputed merchant. No fraud alerts. Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. RTA: AVS RESULTZ VISA: AVS Result: Z ZIP matches, address does not There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD #57213249. Case closed

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