5869379

Dispute ID 5869379. DND 2022-12-26. CH is disputing 1 Online Debit Unauthorized Transaction from Dd Doordash Mochiron for $62.31. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card IN POSSESSION AT THE TIME OF TRXNS. PIN MEMORIZED. Disputed card ending 9313 is closed. Case Decision: Pre - Arb Won, Acquirer Response Timeframe Expired. VROL #2301316703. Error found. Overall Investigation: No fraud alerts. No PII changes captured within UT timeline. No signs of ATO. Disputed transaction has Entry Mode 10 credential on file. However, Disputed merchant is abnormal to the CH. No prior history. No spending pattern observed. Presence of funding via CNB Enid Deposit was captured prior to the authorization of the disputed transaction but not directly impacting. Funding event was captured within the UT timeline. High ending balance after the authorization of the disputed transaction. Galileo deny code 05 was captured within the UT timeline on the disputed card. RTA response code 85, N7 was captured within the UT timeline on the disputed card. Penny response code N7 was captured within the UT timeline on the disputed card. RTA: AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not No freezing, unfreezing of the disputed card within the UT timeline. Unable to initiate MCO, merchant is on the DNC list. No enough evidence to deny the claim. Pre - Arb Won, Acquirer Response Timeframe Expired. Error found. Sent final letter with Zendesk Ticket number 61326325. CASE CLOSED.