5294709

Dispute ID: 5293194. DND: 2022-10-13. REG E claim. Old account. CH is disputing 1 UT from Vdm*D4 Urli.com amounting to $38.59. As per Penny, card in possession at the time of purchase. PIN stated as "No where". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 0377 is closed. INVESTIGATION FOUND: UT timeline: 2022-10-05 to 2022-10-12 TRXN Type: Moto 7 Entry Mode 7 Card-Absent with CB Rights. Observed funding from Card to Card dated 2022-10-06 12:43:00 amounting $140.46 but not directly impacting the account however CH had spot me limit of $125.0 which caused the transaction to go through, an indication that CH had the knowledge to the account. Balance exhausted after the authorization of the disputed transaction. In Galileo, deny code 57 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 0377. No fraud alert. RTA response code 57 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 0377. No RTA response code with the disputed merchant. RTA: AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. With freezing and unfreezing activity within UT timeline. There is enough evidence to deny the claim. Final resolution, NO ERROR FOUND. Sent ZD #55821188. VROL Case #5224101966. Case closed.