e can use previous trans if entry mode 10. prior.
card presest 4
card not pres 6
card lost 1 
card 5 missce contradic

Bianca Mitchell
$99.99
2022-10-24

169162865631
Chime3
9015
4232231055929015
MICROSOFT*SUBSCRIPTION, MSBILL.INFO, WAUS

tnx 1653987556
UT timeline. 2022-10-21 05:13:35 / 2022-10-23 18:49:44

Entry Mode 10 MOTO/ECI 2


Dispute ID # 5370700
CH disputing 1 Debit Unauthorized Transaction from MICROSOFT*SUBSCRIPTION, MSBILL.INFO, WAUS for $99.99.
Dispute Notification Date: 2022-10-24
Case Decision: Denied.
VROL Case# 2270115066
Overall Investigation:

CH claimed 1 Debit Unauthorized Transactions from MICROSOFT*SUBSCRIPTION, MSBILL.INFO, WAUS amounting to $99.99. Reg E claim. Card replaced. No merchant credit. No claim cancellation as of this date. Card status in possession. Pin status compromised.( MOTO/ECI 2 Entry mode 10 ) card absent transaction.

Purchase Inquiry in VROL the name, and email address match on our records which suggest that MM participated and benefited from the transaction.
As per Real Time Auth The disputed transaction has recurring flag Yes which suggests that the CH has a subscription from the merchant and it is CH’s liability to cancel it.
Purchase inquiry in Visa shows that members name matches our record on file.
Unable to contact MCO, merchant is part of DNC list.
No prior history.
No freezing/unfreezing observed within UT timeline.
No signs of ATO and PII changes observed within UT timeframe.
No fraud alert indication within the UT timeline.
Decline codes 85 captured within the UT timeline, however not related with the same merchant.
AVS result B Address matches on file.
No prior history.
However there were enough evidence to deny the claim.
Therefore No error found. FR # 2270115066. ZD # 56363815. case closed.



****************************************************




Jasmine Hudson
$34.99
txn 6197934970

156101680122
Chime1
4232230235815094

2022-10-21 11:48:06 / 


Dispute ID # 5371182
CH disputing 1 Debit Unauthorized Transaction from IIQ*IDENTITYIQ.COM, 877-8754347, NVUS for $34.99.
Dispute Notification Date: 2022-10-24
Case Decision:
VROL Case #
Overall Investigation:

CH claimed 1 Debit Unauthorized Transactions from IIQ*IDENTITYIQ.COM, 877-8754347, NVUS amounting to $34.99. Card replaced. No merchant credit. No claim cancellation as of this date.  



,,,,,,,,,,,,,,,,,,,,,recut,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,


5371302
Jatiana Pledger
$190.98

248135452998
Chime2

4985031027702733


3544891119
3546569705
54756953
54756956
entry 05


 UT timeline : 



Dispute ID # 5371302
DND # 2022-10-24

CH claimed 4 Debit Unauthorized Transactions from Multiple merchants amounting to $190.98. Reg E claim. Card replaced. No merchant credit. No claim cancellation as of this date. Card not in possession. Pin status stored. card absent transaction.





Waiting for link dispute to be settled.
PVC applied.