4770936

Dispute ID: 4770936. DND: 2022-07-29. Intake type: Phone. Reg E. Old account. CH is disputing 1 UT from Att* Bill Payment amounting to $256.50. No merchant credit. No claim cancellation. Card ending with 3812 is already replaced. ***INVESTIGATION ***As per VCF, card is in possession PIN is stated as "My head, memo pad". There is a funding event prior to the disputed transaction on 2022-07-20 17:14:32 amounting to $16.00 and that would make the total balance on the account after the last authorization to $257.46, which is enough to authorized the disputed transaction. With previous transactions from the same merchant. Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction.

No PII changes. No fraud alert. No third party access. There is enough evidence to deny the claim. Final resolution, no error found.

There is a funding event prior to the disputed transaction on 2022-07-20 17:14:32 amounting to $16.00 and that would make the total balance on the account after the last authorization of $257.46, which is enough to authorized the disputed transaction.

Chime2, 248106123461 Card number 4985031049719574 Moto/ECI 1 Entry Mode 10 Card absent with CB rights.