6229221

Dispute ID: 6229221. DND 2023-02-05 via MOBILE. CH is disputing 1 Debit Unauthorized Transaction from Lumisupport Me for $34.99. The disputed transaction is: Moto 2 Entry Mode 10 Card Not Present. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny, card in possession at the time of transaction. Pin is secured. Disputed card ending 8921 is closed. CASE DECISION: DENY VROL CASE #: 5232983562 Overall Investigation: No funding event prior to the authorization of the disputed transaction. High ending balance after the authorization. Disputed amount is abnormal. No spending pattern observed. However, With history from Lumisupport. Merchant is normal. 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. Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. No fraud alerts. As per Galileo, RTA, & Penny no deny/ no response code was captured with the disputed merchant. As per RTA: AVS RESULT Z As per VISA: AVS Result: Z ZIP matches, address does not No PII changes, no signs of ATO. No freezing, unfreezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 62227681. CASE CLOSED.

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