5643418

Dispute ID: 5643418. CH disputing 2 Debit Unauthorized Transaction from Uber and Lyft for $87.48. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card status unspecified. PIN stated as "My phone". Disputed card ending 0297 is closed. Case Decision: DENIED. VROL Case #:2288132256,2288132255. Overall Investigation: With history from Lyft, hence this is normal to the CH. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. With history from UBER, hence, this is normal to the CH. Balance exhausted after the authorization of the last disputed transaction. Cash-in cash out was captured within the UT timeline, an indication that CH is well aware of the card's activity. No Galileo deny code was captured within the UT timeline under the disputed card ending 0297. No fraud alert/indication. RTA response code 85 was captured with the disputed merchant UBER. No Penny response code was captured within the UT timeline under the disputed card ending 0297. RTA: AVS RESULT Z, AVS RESUL Z VISA: AVS Result: Address verification not applicable AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58368049. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-23 to 2022-11-29 TRXN TYPE: Moto 7 Entry Mode 1 Moto 7 Entry Mode 10