5627169

Dispute ID: 5627169. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $206.84. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card status not specified. PIN stated as "I do not store my card number anywhere". Disputed card ending 3859 is closed. Case Decision: APPROVED . VROL Case #: 2286923932, 2286928182,2286923386,2286930028 . Overall Investigation: No funding event prior to the authorization of the disputed transactions. High ending balance after the authorization of the last disputed transactions. MCO unsuccesful, disputed merchant is closed for business hours. With prior history with the disputed merchant SHOPPERS WORLD IRVING, IRVING, TXUS hence, this is normal to the CH No prior history with the disputed merchant CULTURE CODE, IRVING, TXUS and Vape & Beyond, hence this is abnormal to the CH. No fraud alert/indication. Galileo deny code 46 was captured within the UT timeline but not related withthe disputed merchant, however, they are on the disputed card ending 3859. No RTA / Penny response code with the disputed merchant SHOPPERS WORLD IRVING IRVING TXUS, VAPE & BEYOND IRVING TXUS, and CULTURE CODE IRVING TXUS. RTA/ Penny response code 46 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 3859. RTA: AVS RESULT B, for all disputed transactions. VISA: AVS Result: Address verification not applicable, for all disputed transactions. No PII changes captured within UT timeline. No signs of ATO. No freezing, unfreezing of the disputed card within the UT timeline. There is no enough evidence to deny the claim. No CB rights. No recovery options. Therefore, error found. Final letter send ZD#58240107. Case closed.

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