Dispute ID: 5439553. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $97.16. Dispute Notification Date: 2022-11-02. Reg E. Old account. With full merchant credit found from Google amounting to $14.99 that settled on 2022-10-09. No claim cancellation. As per Penny card stolen. PIN memorized. Disputed card ending 8451 is closed. Case Decision: Denied.  VROL Case #: 2274753362, 2274752993,2274753920,2274759145, 2274761545,2274761070. 
Overall Investigation: 
Upon checking on PI under VROL from the transaction from GOOGLE *Tinder 855-836-3987, CA US the name, and email address matches with the member's record on the account.
With funding event observed via  Card to Card amounting to $80.00 on 2022-10-09 18:23:29 before the authorization of the disputed transaction from ebnlcl.com, 800-9820927, FLUS on 2022-10-11 08:04:11.
With funding event observed via Incomm API Load amounting to $79.00 on 2022-10-24 20:35:24 before the authorization of the disputed transaction from GOOGLE *Tinder, 855-836-3987, CAUS on 2022-10-25 03:59:20 and PFITCSNOW.COM, 855-624-3388, FLUS on 2022-10-25 13:39:15.
Low ending balance after the authorization of the last disputed transaction from
PFITCSNOW.COM, 855-624-3388, FLUS.
With presence of Direct Deposit via BRIGHTVIEW, PAYROLL on  2022-10-05 10:09:29 and on 2022-10-05 10:09:29, amounting to $494.66 and $703.50, respectively. Member has prior deposits from the same depositor.
Galileo deny code 05,59, 51,54,57,55, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8451. 
Galileo deny code 54 was captured with the disputed merchant PFITCSNOW.COM 855-624-3388 FLUS. 
Galileo deny code 57,05 was captured with the disputed merchant GOOGLE.
Galileo deny code 51,59,57,was captured with the disputed merchant CASH APP*PRESTON.
Galileo deny code 59,was captured with the disputed merchant ebnlcl.com.
With history from CASH APP*PRESTON*AD, 8774174551, CAUS. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction. 
Disputed merchant from GOOGLE *Hily Corp 855-836-3987 CAUS and GOOGLE *Tinder 855-836-3987 CAUS recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it.
RTA response code 43, 57,51,59 was captured with the disputed merchant CASH APP*PRESTON.
RTA response code 59 was captured with the disputed merchant ebnlcl.com 800-9820927 FLUS.
RTA response code 54 was captured with the disputed merchant PFITCSNOW.COM 855-624-3388 FLUS.
RTA response code 85,57,N7 was captured with the disputed merchant GOOGLE.
RTA response code 43,05,59,51, N7, 54,10,55,85, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8451. 
VROL response code 51 was captured with the disputed merchant Cash App Preston. 
VROL response code 59 and 05 was captured with the disputed merchant ebnlcl.com
800-9820927, FL US.
VROL response code 59 and 54 was captured with the disputed merchant PFITCSNOW.COM 855-624-3388, FL US.
RTA: 
AVS RESULT Z
AVS RESULT N
AVS RESULT Y
AVS RESULT Y
AVS RESULT Z
VISA:
AVS Result:	Z	ZIP matches, address does not
AVS Result:	Y	Exact: Address and ZIP match
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	Y	Exact: Address and ZIP match
AVS Result:	Z	ZIP matches, address does not
PII change of phone ws captured within the UT timeline.
There is freezing of the disputed card within the UT timeline suggesting that the member has control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #56901908. Case closed.


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UT TIMELINE: 2022-10-04 to 2022-10-28
TRXN TYPE: 
Moto 7 Entry Mode 10
Moto 2 Entry Mode 1
Moto 7 Entry Mode 1
Moto 2 Entry Mode 1
Moto 2 Entry Mode 1
Moto 7 Entry Mode 1





FR: