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Dispute ID: 5746335. PTF Claim. CH disputing 22 Debit Unauthorized Transaction from multiple merchants for $318.92. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at time of purchase and PIN memorized. Disputed card ending 4097 is closed. Case Decision:DENIED. VROL Case #:
2294792258
2294792266
2294792292
2294792302
2294792319
2294792340
2294792361
2294792396
2294792427
2294792439
2294792465
2294805509
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2294805565
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2294805606
Unable to file FR for STAR trxn, no STAR access.
Overall Investigation:
There are manual funding found prior to the authorization of the disputed transactions, some of the disputed transactions indication that CH is aware of the account funding activity.
There was also cash-in and cash-out observed within UT timeline which indicates that CH had control over the account and was anticipating the transactions.
The disputed transaction from WENDY'S 3172 AMERICUS, AMERICUS, GAUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account.
With history from Cash AppKailaAdd Cash, hence this is normal to the CH. 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.
No fraud alert/indication.
Balance exhausted after the authorization of the last disputed transaction.
Disputed merchant AMERICUS GAS-N-GO, AMERICUS, GAUS, THE 1800 MEXICAN REST, AMERICUS, GAUS, DOLLAR GENERAL # DG 22, DAWSON, GAUS, FOOD LION #2222, AMERICUS, GAUS is abnormal to the CH.
Disputed merchant WENDY'S 3172 AMERICUS, AMERICUS, GAUS, TACO BELL #029105, AMERICUS, GAUS, DOUBLE D FAST FOODS, AMERICUS, GAUS, US BEAUTY OUTLET, AMERICUS, GAUS, ZAXBY'S #37001, AMERICUS, GAUS, is normal to the CH. Debit records shows that CH has prior history with this disputed merchant, spending pattern is observed.
Disputed merchant OK BEAUTY 107 W JEFFERSON ST, AMERICUS, GAUS, CIRCLE K # 45142, AMERICUS, GAUS, DAIRY QUEEN #43913, AMERICUS, GAUS is normal to the CH.
Disputed cash app recipient Cash AppReneebreed is abnormal to the CH. Disputed cash app recipient Cash AppReneebreed has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Presence of deny code 51 was captured within the UT timeline on the disputed card as per Galileo, RTA, and .
The disputed card present transaction is within the vicinity with the member's address on the account.
RTA:
AVS RESULTB
AVS RESULTB
AVS RESULTZ
AVS RESULTZ
AVS RESULTB
AVS RESULTZ
AVS RESULTZ
AVS RESULTZ
AVS RESULTB
AVS RESULTB
AVS RESULTB
AVS RESULTZ
AVS RESULTZ
AVS RESULTB
AVS RESULTB
AVS RESULTB
AVS RESULTB
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VISA:
AVS Result: Address verification is not applicable (AMERICUS GAS-N-GO)
AVS Result: Address verification is not applicable (WENDY'S 3172 AMERICUS)
AVS Result: Z ZIP matches, address does not (CASH APPVISA MONEY TRANS)
AVS Result: Z ZIP matches, address does not (CASH APPVISA MONEY TRANS)
AVS Result: Z ZIP matches, address does not (CASH APPVISA MONEY TRANS)
AVS Result: Z ZIP matches, address does not (CASH APPVISA MONEY TRANS)
AVS Result: Z ZIP matches, address does not (CASH APPVISA MONEY TRANS)
AVS Result: Address verification is not applicable (WENDYS 25)
AVS Result: Address verification is not applicable (THE 1800 MEXICAN REST)
AVS Result: Address verification is not applicable (CIRCLE K # 45142)
AVS Result: Z ZIP matches, address does not (CASH APPVISA MONEY TRANS)
AVS Result: Z ZIP matches, address does not (CASH APP*VISA MONEY TRANS)
AVS Result: Address verification is not applicable (DAIRY QUEEN #43913)
AVS Result: Address verification is not applicable (TACO BELL #029105)
AVS Result: Address verification is not applicable (DOUBLE D FAST FOODS)
AVS Result: Address verification is not applicable (US BEAUTY OUTLET)
AVS Result: Address verification is not applicable(ZAXBY'S #37001)
AVS Result: Address verification not applicable (DOLLAR GENERAL # DG 22885)
AVS Result: Address verification is not applicable (CIRCLE K # 45142)
AVS Result: Address verification not applicable ( FOOD LION #2222)
AVS Result: Address verification not applicable (FOOD LION #2222)
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter sent ZD Ticket Number #59123949. CASE CLOSED .
🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-07-31 to 2022-08-29 Moto Blank Entry Mode 7 Moto Blank Entry Mode 05 Moto Blank Entry Mode 7 Moto Blank Entry Mode 5 Moto 7 Entry Mode 10 Moto 7 Entry Mode 10 STAR Moto 7 Entry Mode 10 Moto 7 Entry Mode 10 Moto 7 Entry Mode 10 Moto Blank Entry Mode 05 Moto Blank Entry Mode 05 Moto Blank Entry Mode 7 Moto 7 Entry Mode 10 Moto 7 Entry Mode 10 Moto Blank Entry Mode 05 Moto Blank Entry Mode 05 Moto Blank Entry Mode 90 Moto Blank Entry Mode 05 Moto Blank Entry Mode 05 Moto Blank Entry Mode 90 Moto Blank Entry Mode 05 Moto Blank Entry Mode 05 Moto Blank Entry Mode 05