5932577

Dispute ID:5932577. CH disputing 4 Debit Unauthorized Transaction from Walmart and Allsups for $66.39. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "My notebook". Disputed card ending 7657 is closed. Case Decision: DENY VROL Case #: 2304405096, 2304405097. Unable to file FR for STAR transactions, no STAR access. Overall Investigation: Funding event was captured within the UT timeline while the card was said to be stolen. There are previous transactions from WM SUPERCENTER #7347 Wal-Mart Super Center, HURST, TXUS, With spending/behavioral pattern, with 4 consecutives months transactions from WM SUPERCENTER #7347 Wal-Mart Super Center, HURST, TXUS since September to December 2022. Spending amount is abnormal. The disputed merchant WAL-MART #7347 720 W PIPELINE RD, HURST, TXUS is normal to the CH. Spending amount is normal. The disputed merchant ALLSUPS #102007 201 CA, DECATUR, TXUS is normal to the CH. With prior history. Spending pattern is observed. Spending amount is normal. The disputed card present EMV transaction is within the state with the member's address on the account.
The disputed card present transaction from WM SUPERCENTER #7347 Wal-Mart Super Center, HURST, TXUS is within the vicinity with the member's address on the account.
No fraud alert/indication.
No suspicious declined/ response codes within UT timeline as per Galileo, Penny and RTA..
RTA: AVS RESULT B for all disputed transactions VISA: AVS Result:Address verification not applicable No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Final letter sent ZD Ticket Number 60201602. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-27 to 2022- 01-01 TRXN TYPE: STAR STAR Moto bLANK Entry Mode 05 Moto bLANK Entry Mode 05