5737033

Dispute ID: 5737033. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $169.94. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card stolen. Pin stated as "My notebook on my phone". Disputed card ending 7746 is closed. Case Decision: DENIED. VROL Case #:2294152515,2294152514,2294151182,2294145964. Overall Investigation: Pattern of funding event was captured prior to the authorization of the disputed transactions. This suggests that CH is aware of the card's activity and thus, funded the account accordingly. Balance exhausted. Series of funding events was observed after the authorization of the disputed transaction while the card was said to be lost or stolen.
Cash in cash out was captured within the UT timeline. Presence of deny code 51 was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny RTA resonse code 85 was captured within the UT timeline on the disputed card. Penny response code 46 was captured within the UT timeline on the disputed card. Disputed merchant WSI US- MICHIGAN, Lasvegas, NVUS and NatYourscoreandmore are abnormal to the CH. Disputed merchant NatYourscoreandmore transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. Disputed merchant Nat*Yourscoreandmore has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. RTA: AVS RESULT Y, for all disputed transactions. VISA: AVS Result: Y Exact: Address and ZIP match, for all disputed transactions. 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 final letter ZD Ticket Number 59064461. CASE CLOSED .

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