5884739

Dispute ID: 5884739. CH disputing 1 Debit Unauthorized Transaction from Atm Withdrawal/ 7ELEVEN-FCTI 10651 SOUTHERN BLV, WEST PALM BEA, FLUS for $200.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card IN POSSESSION AT THE TIME OF TRXN. PIN MEMORIZED. Disputed card ending 6245 is closed. Case Decision: DENY Unable to file FR for STAR transactions, no STAR access. Overall Investigation: With valid undisputed EMV initiated transaction from DONNA'S CARRIBBEAN 321, MARGATE, FLUSon 2022-12-23 09:52:16 AMOUNTING TO $7.48 . The disputed transaction from 7ELEVEN-FCTI 10651 SOUTHERN BLV, WEST PALM BEA, FLUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. Funding event and Cash in cash out was captured within the UT timeline. Galileo, RTA, and Penny deny/ response code 51,46 was captured within the UT timeline on the disputed card. No PII changes captured within UT timeline. With history from the same disputed merchant. Disputed merchant and amount is normal to the CH. No fraud alert/indication. RTA: AVS RESULT B 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 final letter ZD Ticket Number 59907985. CASE CLOSED.

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