5228750

Dispute ID: 5228750. DND 2022-10-04. Reg E. Old account. CH is disputing 4 UT from multiple merchants amounting to $82.94. As per Penny, card stolen. PIN stated as "Password manager". No merchant credit found as of this time. No claim cancellation. Card ending 6365 is closed. TRXN Type: Moto Blank Entry Mode 5 Card-Present No CB Rights Moto Blank Entry Mode 7 Card-Absent No CB Rights Moto Blank Entry Mode 7 Card-Absent No CB Rights Moto Blank Entry Mode 91 Card-Present with CB rights UT timeline: 2022-08-31 to 2022-10-03 INVESTIGATION FOUND: With funding event observed from Card to Card on 2022-09-02 13:51:08 before the authorization of the disputed transaction from AMERIMART 7 on 2022-09-02 14:40:13. The disputed card present EMV transaction is within the vicinity with the member's address on the account, approximate time 3mins. With funding event observed from Card to Card on 2022-09-15 14:15:44 before the authorization of the disputed transaction from DOLLAR-GENERAL on 2022-09-15 15:09:40.
We acknowledge the presence of DD before the authorization of the disputed transaction from DOLLAR-GENERAL on 2022-09-15 15:09:40. Disputed transaction from DOLLAR-GENERAL is PIN based however no PIN change nor PIN failed attempts captured related to the dispute.
With funding event observed from Card to Card on 2022-09-29 19:45:03 before the authorization of the disputed transaction from AMERIMART 7 on 2022-09-29 19:54:01.
Balance exhausted after the authorization of the disputed transaction from PHILLIPS 66 - AMERIM on 2022-09-30 05:50:03. Galileo deny code within UT timeline related with the disputed merchant: 51, Galileo deny code within UT timeline not related with the disputed merchant: 51,57
RTA response code with the disputed merchant: No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within UT timeline (suggesting full control of account). There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD#. Filed FR ROL Case #. Case closed.