Dispute ID: 5438880. CH disputing 6 Debit Unauthorized Transaction from multiple merchants for $97.16. Dispute Notification Date: 2022-11-02. Reg E. Old account. With full merchant credit found related to the Transaction ID 9184952721 amounting to $14.99. No claim cancellation. As per Penny card stolen. PIN memorized. Disputed card ending 8451 is closed. Case Decision: *.  VROL Case #:   . 
Overall Investigation: 
With presence of Direct Deposit via BRIGHTVIEW, PAYROLL on  2022-10-05 10:09:29 and on 2022-10-05 10:09:29, amounting to $494.66 and $703.50, respectively. Member has prior deposits from the same depositor.
With funding event observed via  Card to Card amounting to $80.00 on 2022-10-09 18:23:29 before the authorization of the disputed transaction from ebnlcl.com, 800-9820927, FLUS on 2022-10-11 08:04:11.
With funding event observed via Incomm API Load amounting to $79.00 on 2022-10-24 20:35:24 before the authorization of the disputed transaction from GOOGLE *Tinder, 855-836-3987, CAUS on 2022-10-25 03:59:20 and PFITCSNOW.COM, 855-624-3388, FLUS on 2022-10-25 13:39:15.
Low ending balance after the authorization of the last disputed transaction from
PFITCSNOW.COM, 855-624-3388, FLUS.
Galileo deny code 05,59, 51,54,57,55, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8451. 
Galileo deny code 54 was captured with the disputed merchant PFITCSNOW.COM 855-624-3388 FLUS. 
Galileo deny code 57,05 was captured with the disputed merchant GOOGLE.
Galileo deny code 51,59,57,was captured with the disputed merchant CASH APP*PRESTON.
Galileo deny code 59,was captured with the disputed merchant  ebnlcl.com.
With history from CASH APP*PRESTON*AD, 8774174551, CAUS. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction. 



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UT TIMELINE: 2022-10-04 to 2022-10-28
TRXN TYPE: 
Moto 7 Entry Mode 10
Moto 2 Entry Mode 1
Moto 7 Entry Mode 1
Moto 2 Entry Mode 1
Moto 2 Entry Mode 1
Moto 7 Entry Mode 1





FR: