4694095

INITIAL INVESTIGATION DISPUTE ID: 4694095 DND: 2022-07-18 Intake type: Phone Mobile REG E: OLD/NEW: Disputed Transaction: JSD SUPPLY, 724-2345635, PA US Settled Date: 2022-07-02 22:19:23 Auth. Date: 2022-06-30 21:31:09 Amount: $289.98

Card ID number: 4232232066086860 PRN: 389113532151, chime 4

Last 4 disputed card: 6860 Merchant Credit: no merchant credit Claim cancellation: no claim cancellation Card replaced: PC Due/Issued : Card Status: Not in possession Pin Status: memorized Transaction type: Moto 7 Entry Mode 01 card absent with CB rights

denial Multiple funding is observed prior to the authorized transaction. No transaction in between funding and the disputed transaction. Continuous funding after the disputed transaction. While the card is not in possession, there is a valid card present EMV transaction with CHICK-FIL-A #02491, ELKTON, MD US on 2022-07-02 07:35:44 amounting to $21.70. No suspicious decline code observed No fraud alerts

write off No previous transaction with the disputed merchant. High ending balance after the authorization of the disputed transaction.

Dispute ID: 4694095. DND: 2022-07-18. CH is disputing 1 UT from JSD SUPPLY, 724-2345635, PA US amounting to $289.98. No merchant credit. No claim cancellation. As per Penny, card is not in possession. Transaction type is Moto 7 Entry Mode 01. *** Investigation*** There is a multiple funding events observed prior to the authorization of the disputed transaction. No transaction observed in- between funding and the disputed transaction suggesting that the CH is well- aware of the incoming disputed transaction. After the reported disputed transaction, CH still managed to continuously fund the said disputed card. While the card is not in possession, there is a valid card present EMV transaction with CHICK-FIL-A #02491, ELKTON, MD US on 2022-07-02 07:35:44 amounting to $21.70. No suspicious decline code observed. No fraud alerts. Therefore, no error found. Case closed. Filed FR in VROL #5198044348. ZD #51195903.