5293294

Dispute ID: 5293294. DND: 2022-10-13. REG E claim. Old account. CH is disputing 1 UT from The Rum House amounting to $60.25. As per Penny, card not in possession at the time of transaction. PIN stated as "Memorized, save it to mm phone". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 3973 is closed. INVESTIGATION FOUND: UT timeline: 2022-09-21 to 2022-09-26 TRXN Type: Moto Blank Entry Mode 5 Card-Present with No CB Rights. With funding event observed from Card to Card amounting to $150.00 on 2022-09-22 14:17:45 before the authorization of the disputed transaction from THE RUM HOUSE on 2022-09-23 18:37:40. Balance almost exhausted after the authorization of the disputed transaction. No fraud alert/indication. In Galileo, deny code 43, 57, was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 3973. RTA response code 43,85, 57, was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 3973. No RTA response code with the disputed merchant. RTA: AVS RESULTB VISA: AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO With freezing and unfreezing activity of the disputed card within UT timeline. There is enough evidence to deny the claim. Final resolution, NO ERROR FOUND. Sent ZD #55822402. VROL Case #5224121668. Case closed.