5424780-1

Dispute ID: 5424780-1. CH disputing 5 Debit Unauthorized Transaction from multiple merchants for $267.19. Dispute Notification Date: 2022-10-31. Reg E. Case Decision: Denied. VROL Case #: 2275452718, 2275452734. Unable to file FR for STAR transactions, no STAR access. Overall Investigation: As per Penny, card in possession at the time of transaction. PIN memorized. No merchant credit found related to this dispute. No claim cancellation. Disputed card ending 9554 is closed. Pattern of funding event was observed within the UT timeline one of which is from Card to Card and Friend Transfer amounting to $110.00 and $50.00 on 2022-10-29 13:27:36, and on 2022-10-29 13:26:20 before the authorization of the disputed transaction from New Greens Discount Liqu 17539 Imperial Valley, HOUSTON, TXUS on 2022-10-29 13:29:24. The disputed transaction from New Greens Discount Liqu 17539 Imperial Valley, HOUSTON, TXUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No PII changes. No signs of ATO. There is freezing of the disputed card within the UT timeline. With history from Apple and CASH APPLATISHA HAYES . Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised. With funding from Visa Money Transfer amounting to $56.18 on 2022-10-31 12:00:07 before the authorization of the disputed transaction from CASH APPLATISHA HAYES, Visa Transfer, CAUS on 2022-10-31 12:07:37. Balance almost exhausted after the authorization of the last disputed transaction from CASH APPLATISHA HAYES, Visa Transfer, CAUS on 2022-10-31 12:07:37. Galileo deny code 51 was captured with the disputed merchant 17511 IMPERIAL VALLEY HOUSTON TXUS, APPLE.COM/BILL Galileo deny code 43 was captured with the disputed merchant APPLE.COM/BILL www.apple.comCAUS Galileo deny code 46 was captured with the disputed merchant CASH APPLATISHA HAYES and APPLE.COM/BILL . Galileo deny code 46, 55, 54, 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9554. No fraud alerts. RTA response code 43,51 was captured with the disputed merchant APPLE.COM/BILL. No RTA response code with the disputed merchant New Greens Discount Liqu 17539 Imperial Valley, HOUSTON, TXUS RTA response code 51 was captured with the disputed merchant FAMILY DOLLAR #4795 17511 IMPERIAL VALLEY, HOUSTON, TXUS. RTA response code 43 and 51 was captured with the disputed merchant APPLE.COM/BILL www.apple.comCAUS. No RTA response code was captured with the disputed merchant CASH APPLATISHA HAYESVisa TransferCAUS. RTA response code 46,85, 55,10, 51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9554. RTA: AVS RESULTB AVS RESULTB AVS RESULTB AVS RESULTZ AVS RESULTZ VISA: AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not There is enough evidence to deny the claim Final resolution, no error found. Sent ZD #56973161,56973176. PVC scheduled for reversal on 2022-11-14. Case closed.