NEW 5165001

Dispute ID: 5165001. CH disputing 2 Debit Unauthorized Transaction from Wyre for $422.04. Dispute Notification Date: 2022-09-26. Reg E. Case Decision: CB Won, Acquirer Response Timeframe Expired. Error Found.VROL Case #: 5216875569, 5216875568. ERRATUMOverall Investigation: As per Penny, card in possession at time of transaction. PIN memorized. No merchant credit found related to this dispute. No claim cancellation. TRXN TYPE: Moto 7 Entry Mode 01 Card Not Present . Disputed card ending 7763 is closed. UT timeline: 2022-09-21 to 2022-09-27. Balance almost exhausted after the authorization of the last disputed transaction. No fraud alert/indication. NO RTA response code with the disputed merchant. There is freezing, unfreezing of the disputed card within the UT timeline. However, No funding event before the authorization of the disputed transaction. No previous transaction with the disputed merchant. Galileo deny code 59,04, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7763. RTA response code 85,59,04, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7763. MCO initiated. Merchant's number cannot be reached. Unable to validate the requested information. Call attempts exceeded. PII change of address was captured within the UT timeline. RTA: AVS RESULT Y, AVS RESULT Y VISA: AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match Chargeback initiated. VROL Case #5216875569, 5216875568. Case closed.