5596045

Dispute ID: 5596045. REG E claim. CH is disputing 1 Debit UT from Cash N Pawn Intl amounting to $232.25. As per Penny, card lost/ stolen and PIN memorize. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 4506 is closed. Case Decision: Denied. VROL Case No.2285019644. OVERALL INVESTIGATION: With funding event observed via Visa Money Transfer amounting to $500.00 on 2022-11-18 09:48:04 before the authorization of the disputed transaction from CASH-N-PAWN INTL 24009, MINNEAPOLIS, MNUS on 2022-11-18 12:51:12. Series of funding events was observed within UT timeline while the card was said to be lost/ stolen. Galileo deny code 51,57 was captured with the disputed card within the UT timeline but not related with the disputed merchant. CH has no prior history with the disputed merchant, hence this is abnormal to the CH. No Penny/ RTA response code with the disputed merchant. no Galileo deny code with the disputed merchant. RTA response code 51,57,85 was captured with the disputed card within the UT timeline but not related with the disputed merchant. Penny response code 51,57 was captured with the disputed card within the UT timeline but not related with the disputed merchant. RTA: AVS RESULTB VISA: AVS Result: Address verification is not applicable PII change of address was captured within the UT timeline. There is freezing, unfreezing of the disputed card within the UT timeline suggesting that member has the full control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #58024800. Case closed.

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