5862721/ 5862721-1

Dispute ID: 5862721/ 5862721-1. CH disputing 4 Debit Unauthorized Transaction from Google and Google *Vizor amounting to $46.96. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at time of PURCHASE. PIN stated as "I dont". Disputed card ending 0911 is closed. Case Decision: DENY VROL Case #: 2303096154, 2303096155, 2303096156, 2303096157
Overall Investigation: With funding event via Visa Money Transfer amounting to $133.30 observed on 2022-12-23 18:02:18 before the authorization of the disputed transaction from GOOGLE *Vizor, 855-836-3987, CAUS on 2022-12-23 21:06:25. Prior to this funding the account balance is exhausted which suggests that CH is aware of the incoming transactions and thus funded the account accordingly. With history from GOOGLE . Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.
Disputed merchant is normal to the CH. Spending pattern is normal and amount is normal/ abnormal.
Upon checking on PI under VROL from the transaction from GOOGLE *Vizor the email address matches with the member's record on the account. Disputed merchant GOOGLE *Jinpyo Hong transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. No fraud alert/indication. Galileo, RTA, and Penny deny/ response code 46, 51 was captured with the disputed merchant. Galileo RTA, and Penny deny/ response code 46,51 was captured within the UT timeline on the disputed card. RTA: AVS RESULT B AVS RESULT Y AVS RESULT B AVS RESULT B VISA: AVS Result: Address verification is not applicable AVS Result: Y Exact: Address and ZIP match AVS Result: Address verification is not applicable AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD Ticket Number 60017493, 60017476. PVC scheduled for reversal on 2023-01-09. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-21 TO 2022-12-28 TRXN TYPE: Moto 7 Entry Mode 10 FR: 6