5929248

Dispute ID: 5929248. CH disputing 4 Debit Unauthorized Transaction from Lombardis AND McDonald's amounting to $18.54. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny CARD and PIN status not specified. Disputed card ending 3197 is closed. Case Decision: APPROVED VROL Case #: 2306273359, 2306273360
Overall Investigation: Funding event was captured within the UT timeline. No fraud alerts on the disputed card. Galileo, RTA, and Penny deny/ response code 51,46 was captured within the UT timeline on the disputed card. Balance exhausted after the authorization of the last disputed transaction. Disputed merchant Lombardis & MCDONALDS is abnormal to the CH. With RTA response code 85 on the disputed merchant MCDONALDS. RTA: AVS RESULTB AVS RESULTZ VISA: AVS Result: Address verification is not applicable AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No freezing, unfreezing of the disputed card within the UT timeline. Unable to initiated MCO for disputed merchant McDonalds, merchant is on the DNC list. There is no enough evidence to deny the claim. Claim below CB rights. Therefore, error found. ZD Ticket Number 60405915,60405924. CASE CLOSED. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-12-30 to 2023-01-05 TRXN TYPE: Moto 7 Entry Mode 01 Moto 7 Entry Mode 10

deny codes 51 -45 46- 92