5628399

Dispute ID: 5628399. PTF Claim. CH is disputing 8 Debit Unauthorized Transaction from multiple merchants for $223.57. Reg E Claim. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "in the purse". Disputed card ending 6644 is closed. Case Decision: DENIED. VROL Case #:2287036226,2287027924,2287036225,2287027923,2287043550,2287036223,2287040129,2287043549. Overall Investigation: Pattern of funding event one of which is via Card to Card amounting to $100.00 observed on 2022-06-14 13:31:20 before the authorization of the disputed transaction from PAYPAL *NETFLIX.COM, 4029357733, CAUS on 2022-06-15 04:41:44. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 05,96,51,59 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 6644. With history from Walmart . Disputed transaction has entry mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. CH has previous transaction with the disputed merchant Netflix where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction.  CH has no previous transaction with the disputed merchant NYCDOT PARKNYC, hence this is abnormal to the CH. Disputed transaction has entry mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. No prior history with the disputed merchant Flame Tree, WDW ISLAND, GRUBHUB, DOORDASH hence, this is abnormal to the CH. No RTA response code with the disputed merchant FLAME TREE, GRUBHUB, WDW ISLAND MERCANT, DOORDASH . RTA response code 85 was captured with the disputed merchant NYCDOT PARKNYC, WALMART. RTA response code 05,51,59,85,10,55 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 6644. Penny response code 51,59,10,55,05 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 6644. RTA: AVS RESULT Y VISA: AVS Result: Y Exact: Address and ZIP match and AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58247122. Case closed.

🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁🎁 UT TIMELINE: 2022-06-08 to 2022-10-29 TRXN TYPE: Moto 7 Entry Mode 10 and Moto 7 Entry Mode 1

Walmart Netflix Flame Tree Bbq Wdw Island Mercant Grubhub Viacapripiz Doordash Nycdot Parknyc