5940908

Dispute ID: 5940908. CH disputing 1 Debit Unauthorized Transaction from Ic Instacart for $101.97. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN memorized. Disputed card ending 3264 is closed. Case Decision: DENY VROL Case #: 2304987752 Overall Investigation: Presence of funding event via Visa Money Transfer on 2022-10-22 13:34:39 was captured before the authorization of the disputed transaction from IC* INSTACART*159, +18882467822, CAUS on 2022-10-23 07:02:10. With history from Instacart, hence this is normal to the CH. Spending amount is abnormal. No PII changes within the UT timeline. No signs of ATO. Multiple freezing, unfreezing of the disputed card within the UT timeline suggesting that CH is in control of the account. Cash in cash out and funding events was captured within the UT timeline. Galileo, Penny deny/ response code 41,51,57,55 was captured within the UT timeline on the disputed card. RTA response code 85, 41,51,57,55 was captured within the UT timeline on the disputed card. No fraud alert/indication. RTA: AVS RESULT N VISA: AVS Result: N No: Neither address nor ZIP matches There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD Ticket Number 60266799. CASE CLOSED.

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