5479026

Dispute ID: 5479026. CH disputing 1 Debit Unauthorized Transaction from Google for $65.99. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card not specified. PIN stated as "My Phone". Disputed card ending 5256 is closed. Case Decision: Denied. VROL Case #: 2277599723. Overall Investigation: With funding event observed via Visa Money Transfer amounting to $147.38 on 2022-11-04 06:52:09 before the authorization of the disputed transaction from Google Play, 650-2530000, CAUS on 2022-11-04 10:50:04. Balance exhausted after the authorization of the disputed transaction. With history from Google. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No PII changes captured within UT timeline. No signs of ATO.
Galileo deny code 46,51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5256. Galileo, RTA, VISA deny/ response code 51 was captured with the disputed merchant. RTA: AVS RESULT N VISA: AVS Result: N No: Neither address nor ZIP matches 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 response code 46,10,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5256. No fraud alert/indication. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57215277. Case closed.

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