5373400-1

DISPUTE ID 5373400-1. DND 2022-10-25 CH disputing 6 Debit UT amounting $72.64 with Various Merchants. Reg E. Old account. Card ending in 8845 closed. No claim cancellation. Received Merchant Credit: Admin Transaction ID 93502429140 amounting to $10.59. Settled on 2022-10-11. Investigation as per PDIF Card is in possession. PIN is memorized. Case decision: Denied. VROL Case #2273536675,2273536680,2273536681,2273538364,2273540347, 2273540348. With funding event observed from Card to Card amounting to $100.00 on 2022-10-07 07:51:35 before the authorization of the disputed transaction fron Kindle Unltd, 888-802-3080, WAUS. Continous funding within the UT timeline one of which is from Card to Card amounting to $30.00 before the authorization of the disputed trasnaction from Amazon Payments, Seattle, WAUS on 2022-10-24 13:03:56. Balance exhausted after the authorization of the disputed transaction from UBER *TRIP, SAN FRANCISCO, CAUS. The disputed transaction from PHILLY STEAKS/PHILLYS, STROUDSBURG, PAUS and 1650 MAIN STREET EATER, STROUDSBURG, PAUS are EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No signs of ATO. No PII changes. With valid undisputed EMV initiated transaction from SQ *308 BURGER COMPANY, Stroudsburg, PAUS on 2022-10-21 19:17:03 amounting to $21.94. 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.
Member has previous transaction with the disputed merchant, Kindle Unltd, Google, 1650 MAIN STREET EATERYSTROUDSBURG PAUS, and Uber . Disputed merchant (Google) recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. Galileo deny code 51 was captured with the disputed merchant, Amazon, UBER Galileo deny code 51,05, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8845. No fraud alerts. RTA response code 51 and 85 was captured with the disputed merchant, Amazon RTA and VROL response code 51 was captured with the disputed merchant, UBER. RTA response code 51,05,10, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8845. RTA: AVS RESULT Y AVS RESULT Z AVS RESULT B AVS RESULT B AVS RESULT Y AVS RESULT Z VISA: AVS Result: Y Exact: Address and ZIP match AVS Result: Z ZIP matches, address does not AVS Result: Not applicable AVS Result: Address verification is not applicable AVS Result: Y Exact: Address and ZIP match AVS Result: Z ZIP matches, address does not There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56766711,56766923. PVC scheduled for reversal on 2022-10-11. Case closed.