5797366

Dispute ID: 5797366. CH disputing 4 Debit Unauthorized Transaction from Chumba Gold Coins for $400.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card status not specified. PIN memorized. Disputed card ending 9135 is closed. Case Decision: DENIED . VROL Case #:2297592574, 2297592105, 2297592104, 2297591254. Overall Investigation: No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization of the last disputed transaction. Galileo, RTA, Penny deny/ response code 51,59, was captured within the UT Timeline on the disputed card. Disputed merchant is International RTA response code 85 was captured within the UT timeline on the disputed card but not related with the disputed merchant. However, With history from Chumba Gold Coins. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction.
No fraud alerts Disputed merchant is normal to the CH. RTA: AVS RESULT Y VISA: AVS Result: D Unknown Value No PII changes within the UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD #59409459. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-12 to 2022-12-18 TRXN TYPE: Moto 7 Entry Mode 10