DISPUTE ID: 4569133 DND: 2022-06-29 CH is Disputing (3) UT transactions (card present) from 7ELEVEN amounting $180.00, $180.00 and $100.00. No merchant Credit. No claim cancellation. the card is replaced. the card status is in possession. The PIN status is memorized

"DISPUTE ID: 4569133
DND: 2022-06-29
Intake type: Phone
REG E: yes
OLD/NEW: old
Disputed Transaction:
*7ELEVEN-FCTI 630 WILSHIRE BLVD, SANTA MONICA, CAUS, auth date: 2022-06-24, settlement date: 2022-06-25, amount: $180.00
*7ELEVEN-FCTI 630 WILSHIRE BLVD, SANTA MONICA, CAUS auth date:2022-06-24, settlement date: 2022-06-25, amount: $180.00
*7ELEVEN-FCTI 630 WILSHIRE BLVD, SANTA MONICA, CAUS, auth date: 2022-06-24, settlement date: 2022-06-25, amount: $-100.00
Last 4 disputed card: 2727
Merchant Credit: no merchant credit
Claim cancellation: no claim cancellation
Card replaced: card replaced
PC Due/Issued: eligible
Card Status: in possession
Pin Status: memorized
Transaction type: n/a

Card holder has prior history with the disputed merchant. He even had the same transaction on 2022-06-22 at 11:33:23 just 1 day prior to the disputed transactions.
The location of the merchant is not in the vicinity of the card holder. It will take 59 minutes from both destinations.
There is a funding prior to the UT on 2022-06-24 at 02:37:32 and 02:38:29.
There are no cash in, cash out found.
There are several deny code 61, 05, 55 found within the UT.
There no fraud alerts found.
The account balance is high ending.
There are no third party access.
There is freezing of the account on 2022-06-24 at 22:28:59.
There are no PII changes.
There are no spot me changes.
The spending velocity and behavior of the card holder is normal. Card holder usually had huge transaction amounts but during the UT the amount balance is high ending due to the funding prior to the UT. He usually exhaust his card up to the point that his spot me limit can't cover it. This was also observed during the UT.
He stated in Penny that his last authorize transaction is on 2022-06-28 from McDonald's.

DISPUTED ID: 4569133 DND: 2022-06-29, CH is Disputing (3) UT POS amounting to $460.00. No merchant credit, No claim cancellation. as per Penny dispute card is in possession, PIN is Memorized. 

" INVESTIGATION " Card holder has prior history with the disputed 
merchant. He even had the same transaction on 2022-06-22 at 11:33:23 just 1 day prior to the disputed transactions. There is a funding prior to the UT on 2022-06-24 at 02:37:32 and 02:38:29. There no fraud alerts found. There are no PII changes. However the location of the merchant is not in the vicinity of the card holder.  The account balance is high ending. There is freezing of the account on 2022-06-24 at 22:28:59. He stated in Penny that his last authorize transaction is on 2022-06-28 from McDonald's
The Transaction is EMV FALL BACK. Valid EMV transaction from TARGET T-0222 17751 Colima Rd, Rowland Heigh, CAUS was happened on 2022-06-24 09:55:28 and the disputed Transaction from  7ELEVEN-FCTI 630 WILSHIRE BLVD, SANTA MONICA, CAUS was happened on 2022-06-24 10:16:42, the distanced between is approximately 52 mins. drive however the time interval between the two transaction is only 20mins. Which clearly shows that it is not possible for CH to transact in that vicinity in just 20mins. Therefore error was found.  case closed, ZD# 50261178 


internal note