5087319 credit

ERRATUMDispute ID: 5087319. DND 2022-09-14. Reg Z. CH is disputing 1 UT from Wireless Express Wa amounting to $180.00. As per Penny, in possession at the time of transaction. PIN stated as "sometimes write it down on piece and keep it in the walle that is always in the car, unless she needs to us it". No merchant credit. No claim cancellation. INVESTIGATION. Observe freezing of the disputed card within UT timeline. However, member has previous transaction with the disputed merchant. The disputed transaction from Wireless Express Wa dated 2022-09-07 is EMV transaction. In addition, the card is in possession and the cardholder did not report that the card was ever lost/stolen, then found. Balance exhausted. With valid undisputed card present EMV transaction from MEGA CONVENIENT FOOD M, CLEVELAND, OHUS on 2022-09-08 03:02:19 amounting to $9.64 after the authorization of the disputed transaction. Disputed transaction is within the vicinity of the member's address on file, approximate time 10mins. As per RTA, response code 75 was captured but not related with the disputed merchant. AVS RESULT B. As per Galileo, deny code 75 was captured but not related with the disputed merchant. No fraud alerts. No PII changes. No signs of account takeover. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54287334. Filed FR ROL Case #5209908753. Case closed.