5885811

Dispute ID: 5885811. CH disputing 6 Debit Unauthorized Transaction from multiple merchants for $69.67. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card and PIN status not specified. Disputed card ending 3084 is closed. Case Decision: DENY VROL Case #: 2302173000,2302172025,2302172021,2302170150,2302167843,2302166888
Overall Investigation: Pattern of funding event was captured one of which is via Card to Card amounting to $20.00 observed on 2022-12-10 12:08:56 before the authorization of the disputed transaction from FOUR SEASONS ORGANIC, BROOKLYN, NYUS on 2022-12-10 12:09:18. Balance exhausted after the authorization of the last disputed transaction. Disputed merchant MR HAPPY DELI CORP, BROOKLYN, NYUS, HASH GIFT SHOP, BROOKLYN, NYUS, ERIKA DELI MINI GROCER, BROOKLYN, NYUS is normal to the CH. Spending amount is normal. Disputed merchant FOUR SEASONS ORGANIC, BROOKLYN, NYUS is abnormal to the CH. No fraud alert/indication. Galileo, RTA deny/ response code 51, 78,was captured within the UT timeline on the disputed card. RTA: AVS RESULTB FOR ALL DISPUTED TRANSACTIONS VISA: AVS Result: Address verification is not applicable, FOR ALL DISPUTED TRANSACTIONS No fraud alert/indication. No PII changes captured within UT timeline. No signs of ATO. Multiple freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH is in control of the account. There is enough evidence to deny the claim. Final resolution, no error found.
Sent final letter ZD Ticket Number 59913649. CASE CLOSED .

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT timeline: 2022-12-07 to 2022-12-16 TRXN type: Moto Blank Entry Mode 7