5686537

Dispute ID: 5686537. CH disputing 1 Debit Unauthorized Transaction from Tai Won Chinese for $31.35. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card lost/ stolen. PIN memorized. Disputed card ending 3759 is closed. Case Decision: DENIED. VROL Case #:2291108491. Overall Investigation: With funding event via Card to Card amounting to $10.00 observed on 2022-12-04 13:41:50 before the authorization of the disputed transaction from TAI WON CHINESE, ORLANDO, FLUS on 2022-12-04 13:43:23. Balance exhausted. Series of funding events was observed within the UT timeline while the card was said to be lost/ stolen.
Galileo deny code 51 was captured within the UT timeline on the disputed card, both relating to the disputed merchant and non-disputed merchant. The disputed card present transaction is within the vicinity with the member's address on the account.
No fraud alert/indication. Disputed merchant is abnormal to the CH account. RTA/ Penny response code 51 was captured within the UT timeline on the disputed card relating to the disputed merchant. RTA/Penny response code 10,51 was captured within the UT timeline on the disputed card, not related with the disputed merchant. RTA: AVS RESULT B VISA: AVS Result: Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. Several freezing, unfreezing of the disputed card within the UT timeline was captured, an indication that CH is aware of the account's activity. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket Number 58716813. CASE CLOSED.

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