5543941

DISPUTE ID 5543941. CH disputing 1 Debit UT amounting $318.00 with Stk Atlanta. No claim cancellation. No Merchant Credit found relating to the disputes. As per Penny, Card stolen. PIN stated as "Notes". Disputed card ending 2540 is closed. Case decision: Denied. VROL Case No.:2281518116. OVERALL INVESTIGATION: With funding event observed from Card to Card amounting to $22.00 on 2022-11-10 20:08:03 before the authorization of the disputed transaction from STK ATLANTA, ATLANTA, GAUS on 2022-11-10 20:10:46. Ch has a Spotme limit of $220.00 which enabled the transaction to go through. Balance exhausted. Series of funding events was observed within UT timeline while the card was said to be stolen.
The disputed card present transaction is within the vicinity with the member's address on the account.
Galileo deny code 78, 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2540. Member has no prior history with the disputed merchant, hene, this is abnormal to the CH. No fraud alerts. No RTA, Penny, Galileo response/ deny code with the disputed merchant. RTA response code 78,85, 51was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2540. Penny response code 78, 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2540. RTA: AVS RESULTB VISA: AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline suggesting CH has control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57644712. Case closed.

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