5696474

Dispute ID: 5696474. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $376.52. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card stolen. Pin STATED AS "It was in a sticky but I have disposed of it". Disputed card ending 9758 is closed. Case Decision: APPROVED. VROL Case #:2292397486, 2292398369,2292406743,2292406742. Overall Investigation: No suspicious deny/ response codes within UT timeline as per Galileo, RTA and Penny. Disputed merchant Target is normal to the CH. No fraud alert/indication. No PII changes captured within UT timeline. No signs of ATO. However, No funding event prior to the authorization of the disputed transactions. High ending balance after the authorization of the last disputed transaction. Disputed merchant HAROLDS CHICKEN & ICE, ATLANTA, GAUS and DIAMOND PACKAGE, ATLANTA, GAUS are abnormal to the CH. RTA: AVS RESULT B, for all disputed trxns. VISA: AVS Result: Address verification is not applicable for all disputed trxns. No freezing, unfreezing of the disputed card within the UT timeline. MCO unsuccessful, merchants are on the DNC list and closed for business hours. No enough evidence to deny the claim. No CB rights. No recovery options. Therefore, error found. Final letter ZD Ticket Number 58866286. CASE CLOSED

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