5941758

Dispute ID: 5941758. CH disputing 4 Debit Unauthorized Transaction from Lyft for $55.95. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of purchase. PIN stated as "My Pin Is The Same For Everything". Disputed card ending 4618 is closed. Case Decision: DENY VROL Case #: 2305016523, 2305016524, 2305016525, 2305016526
Overall Investigation: With history from Lyft. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Disputed merchant is normal to the CH. Spending amount is abnormal. No fraud alert/indication. Presence of Direct Deposit funding was captured within the UT timeline. Funding event was captured within the UT timeline. No suspicious declined codes within UT timeline as per Galileo. RTA response code 85 and 10 was captured within the UT timeline on the disputed card but not related with the disputed merchant. Penny response code 10 was captured within the UT timeline on the disputed card but not related with the disputed merchant. RTA: AVS RESULT N VISA: AVS Result: N No: Neither address nor ZIP matches No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resoltion, no error found. Final letter ZD Ticket Number 60268931. CASE CLOSED.

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