6214500

Dispute ID: 6214500. DND 2023-02-03 via MOBILE. CH disputing Debit Unauthorized Transaction from Amzn Mktp Us*554 Q82 for $79.22. Reg E. Disputed transactions is Moto 7 Entry Mode 1. No merchant credit found relating to the dispute. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN stated as "No". Disputed card ending 0389 is closed. CASE DECISION: DENY VROL CASE NO.: 5232356467 Overall Investigation: With history from Amzn. Spending pattern observed. Disputed amount is normal. Merchant is normal. Funding event was captured prior to the authorization, the disputed transaction go through since Spotme of $95.00 was utilized. As per Galileo, deny code 51 was captured with the disputed merchant. As per RTA & Penny, no deny/ no response code was captured with the disputed merchant. Balance exhausted. No fraud alerts. As per RTA: AVS RESULT Y As per VISA: AVS Result: Y Exact: Address and ZIP match PII change of address was captured within the UT timeline. No freezing, unfreezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 62163290. CASE CLOSED.

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