5484365

Dispute ID: 5484365. CH disputing 2 Debit Unauthorized Transaction from Captain D's and Walmart for $51.76. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "In my notebook". Disputed card ending 0854 is closed. Case Decision: . VROL Case #:. Overall Investigation: WRITE-OFF No funding event prior to the authorization of the disputed transactions. No valid undisputed EMV initiated transaction within UT timeline. No transaction history with the disputed merchant WAL-MART #5348 851 ANN ST, MONTGOMERY, ALUS. Disputed merchant Wal-mart is on the DNC list, no MCO initiated. MCO initiated for disputed merchant, Captain D's, spoken to a representative long wait hold time RTA response code 51 was captured with the disputed merchant, WAL-MART.

DENIAL: Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0854. Member has previous transaction with the disputed merchant Captain D's. No fraud alerts within the UT timeline. RTA: AVS RESULTB AVS RESULTB No PII changes captured within UT timeline. No signs of ATO.

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