5644348

Dispute ID: 5644348. CH disputing 1 Debit Unauthorized Transaction from Uber Eats for $51.60. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction(s). PIN stated as "Pocket and wherever she goes". Disputed card ending 3093 is is closed. Case Decision: DENIED . VROL Case #:2288234724. Overall Investigation: With funding event via Card to Card amounting to $3.44 observed on 2022-11-02 15:48:06 before the authorization of the disputed transaction from UBER * EATS PENDING, SAN FRANCISCO, CAUS on 2022-11-03 11:27:07. Balance exhausted after the authorizaton of the disputed transaction. With history from Uber. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.
No fraud alert/indication. Galileo deny code 46 was captured within the UT timeline but not related on the disputed merchant however they are on the disputed card ending 3093. RTA response code 46 was captured within the UT timeline but not related on the disputed merchant however they are on the disputed card ending 3093. No Penny response code with the disputed merchant. RTA: AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is freezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58377354. Case closed.

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