4799551

Dispute ID: 4799584. DND: 2022-08-02. Intake type: Mobile. Reg E. Old account. CH is disputing 2 UT from multiple merchants amounting to $79.85. No merchant credit. No claim cancellation. Card ending with 4068 is already replaced. ***INVESTIGATION ***As per Penny, card not in possession. PIN is written down. There is a funding event prior to the authorization of the disputed transaction, Card to Card. Member has one other previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 relating to the dispute was captured prior to its authorization. No signs of ATO. No fraud alerts. No third party access. There is enough evidence to deny the claim. Therefore, no error found. Sent final letter ZD #52182427, 52182514‬ . Filed FR ROL Case #5206946114 & 5206936756. PC Reversal scheduled on 2022-08-11. Case Closed.