4645778

Dispute ID:4645778. Dispute Notification Date:2022-07-11. CH is disputing 3 UT from various merchant amounting to $56.50. As per VCF, card is in possession and pin location is ''In my head''. Reg e claim. No merchant credit. No claim cancellation. With deny code/s 51 not associated with the disputed merchant within UT timeline. Investigation found, card present transaction with MOTO/ECI 7 and 1 ENTRY MODE 10 with CB rights. As per thorough investigation, we can clearly state that all evidences gathered are valid and accurate. Therefore, final resolution of claim shows no error found. Filed FR with VROL# xxx. Sent ZD# xxx. Case close.

Multiple funding is observed prior to the disputed transaction. Exhausted balance after authorization of the disputed transaction Deny code 51 is observed within UT timeline. no fraud alerts. No ATO HALL MARKS. There is valid undisputed transaction from INSTACASH REPAYMENT, 888-659-8244, NYUS on 2022-07-10 amounting to $11.49

Transaction Type: Entry Mode 10, Moto 7, CIDM 4, Card Absent with CB rights

Write-off No third party access No freezing and unfreezing observed prior to the UT timeline. No cash in cash out within UT timeline. No prior history with the disputed merchant.

Denial: Multiple funding is observed prior to the disputed transaction. Exhausted balance after authorization of the disputed transaction Deny code 51 is observed within UT timeline. no fraud alerts. no ATO HALL MARKS.