5094555-1

Dispute ID: 5094555-1. DND 2022-09-15. REG Z claim. CH is disputing 2 UT from Lyft amounting to $46.19. As per Penny, card in possession at the time of the transactions. PIN memorized. No merchant credit. No claim cancellation. INVESTIGATION. No PII changes. No signs of account takeover. Observed freezing, unfreezing of the disputed card within UT timeline (suggesting full control of account). However, there are no funding event prior to the authorization of the disputed transaction. As per Galieleo, deny code 51 was captured within UT timeline but not related with the disputed merchant. As per RTA, response code 85,51 was captured within UT timeline but not related with the disputed merchant. As per RTA, response code 85 was captured prior to the authorization of the disputed merchant. AVS RESULT B for both disputed transaction. No merchant call out made. Merchant is on the approved DNC List. Error found, proceed to chargeback. Sent ZD #. Filed FR ROL Case #5211560665 . Case ongoing.