5609497

Dispute ID:5609497. CH disputing 1 Debit Unauthorized Transaction from Viral Lights for $24.66. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN memorized. Disputed card ending 9985 is closed. Case Decision: APPROVED. VROL Case #: 2291704680 . Overall Investigation: Disputed merchant has Entry mode 10 shows Merchant has initiated the transaction with credentials stored on file. No PII changes captured within UT timeline. No signs of ATO. Freezing, unfreezing of the disputed card within the UT timeline was captured. No RTA/ Penny response code with the disputed merchant. However, No funding event prior to the authorization of the disputed transaction. Disputed merchant is abnormal to the CH as it has no prior history. Galileo deny code 46,59,78,54 was captured within the UT timeline. With fraud alerts. Penny response code 46,59,78,54 was captured within the UT timeline. RTA response code 46,59,78,54,85 was captured within the UT timeline. MCO unsuccessful, merchant does not pick up the phone. There is no enough evidence to deny the claim. Claim amount is below CB threshold. Therefore, error found. Sent final letter ZD Ticket Number 58782418. CASE CLOSED 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-21 TO 2022-11-26 TRXN TYPE: Moto 7 Entry Mode 10