5584987 / 5584987-1

Dispute ID: 5584987/ 5584987-1. CH disputing 4 Debit Unauthorized Transaction from Nebula Astrology for $43.98. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at the time of purchase. PIN memorized. Disputed card ending 6066 is closed. Case Decision: Denied. VROL Case Number: 2286338836,2286338837,2286343357,2286339953. OVERALL Investigation: With history from Nebula Astrology, 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 funding event observed via Card to Card amounting to $1000.00 on 2022-11-15 06:29:10 before the authorization of the disputed transaction from Nebula Astrology, INTERNET, CY on 2022-11-17 20:27:50. Galileo deny code 46 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6066. No fraud alerts. Disputed merchant Nebula Astrology INTERNET CY recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. Disputed merchant Nebula Astrology INTERNET CY in RTA shows as INTERNATIONAL YES. RTA: AVS RESULT B VISA: AVS Result: Address verification is not applicable, for all disputed transactions. RTA response code 46,85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6066. Penny response code 46 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 6066. 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 #58179376,58179385. PVC scheduled for reversal on 2022-12-02. Case closed.

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