5935306

Dispute ID: 5935306. CH disputing 1 Debit Unauthorized Transaction from Hibbett Sports for $361.37. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "Phone notepad". Disputed card ending 0172 is closed. Case Decision: DENY VROL Case #: 2304542790 Overall Investigation: With valid undisputed EMV initiated transaction from GABRIEL BROS 0038, LEXINGTON, KYUS on 2022-12-23 15:48:14 amounting to $20.11. Funding event was captured prior to the authorization of the disputed transaction and after the authorization of the disputed transaction. No PII changes captured within UT timeline. No signs of ATO. Disputed merchant is abnormal to the CH. No prior history. The disputed card present EMV transaction is within the vicinity with the member's address on the account.
No fraud alert/indication. Galileo, deny code 51 was captured within the UT timeline on the disputed card. RTA response code 85, 51, 10 was captured within the UT timeline on the disputed card. Penny response code 51,10 was captured within the UT timeline on the disputed card. RTA: AVS RESULTB VISA: AVS Result: Address verification not applicable There is enough evidence to deny the claim. Final resolution, no error found. Final letter sent ZD Ticket Number 60218111. CASE CLOSED .

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