5595373

Dispute ID: 5595373. REG E claim. CH is disputing 1 Debit UT from Google amounting to $43.09. As per Penny, card in possession at the time of the transaction(s) and PIN memorize. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 5678 is closed. Case Decision: Denied. VROL Case No.2285000035. OVERALL INVESTIGATION: With funding event observed via Card to Card amounting to $50.00 on 2022-11-13 11:07:42 and on 2022-11-13 11:07:28 amounting to $142.29 before the authorization of the disputed transaction from Google Flo Health, 650-2530000, CAUS on 2022-11-13 11:25:19. Balance exhausted after the authorization of the disputed transaction. Galileo deny code 54 was captured with the disputed merchant. Galileo deny code 05 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 5678. With history from Google . Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No fraud alert/indication. RTA/ Penny response code 54 was captured with the disputed merchant. RTA/ Penny response code 05 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 5678. Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. No PII changes captured within UT timeline. No signs of ATO. VISA: AVS Result: Y Exact: Address and ZIP match RTA: AVS RESULTY There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58023159. Case closed. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-11 to 2022-11-16 TRXN TYPE: Moto 2 Entry Mode 10