5396847-1

Dispute ID: 5396847-1. CH disputing 2 Debit Unauthorized Transaction from Dillons and Wingstop for $95.32. Dispute Notification Date: 2022-10-27. Reg E. Case Decision: Denied. VROL Case #: 2273695102,2273686893. Overall Investigation: As per Penny, card stolen. PIN stated as "Nowhere". No merchant credit found related to this dispute. No claim cancellation. Disputed card ending 4612 is closed. Disputed transaction from DILLONS #0065 3211 S., WICHITA, KSUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. With funding event observed from Card to Card amounting to $50.00 on 2022-10-24 16:08:27 before the authorization of the disputed transaction from DILLONS #0065 3211 S., WICHITA, KSUS on 2022-10-24 16:08:44. With funding event observed from Card to Card amounting to $15.00 on 2022-10-26 10:23:58 before the authorization of the disputed transaction from WINGSTOP - 0838 - VWS, WICHITA, KSUS on 2022-10-26 10:26:27. Member has a Spotme limit of $105.00 which makes the authorization for the disputed transaction from WINGSTOP - 0838 - VWS, WICHITA, KSUS to go through even though the funding is less than the amount of the disputed transaction. With valid undisputed EMV initiated transaction from QT 369 INSIDE, WICHITA, KSUS on 2022-10-26 07:15:09 amounting to $5.98. Balance exhausted after the authorization of the disputed transaction from WINGSTOP - 0838 - VWS, WICHITA, KSUS. The disputed card present EMV transaction from DILLONS is within the vicinity with the member's address on the account.
Galileo deny code 05,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4612. Cash-in cash-out was captured within the UT timeline. Continuous funding was observed within the UT timeline while the card was said to be stolen. No fraud alert/indication. With transaction history from Dillons, and Wingstop. RTA response code 05,51,85, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4612. RTA: AVS RESULT B AVS RESULT Z VISA: AVS Result: Address verification not applicable AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56778048, 56778107. PVC scheduled for reversal on 2022-11-07. Case closed.