5620187

Dispute ID: 5620187. REG E claim. CH is disputing3 Debit UT from multiple merchants amounting to $227.40. As per Penny, card is stolen. PIN stated as "I dont write it dont". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 7167 is closed. Case Decision: APPROVED. VROL Case Number 2286394993,2286394998,2286411510 . OVERALL INVESTIGATION: With history from BASHAS' #116, LKHAVASU CTY, AZUS, Midtown Smoke Vape, LAKE HAVASU C, AZUS, hence disputed merchants are normal to the CH. Low ending balance after the authorization of the last disputed transaction. Galileo deny code 46,51 was captured within the UT timeline but not related with the disputed merchant,however, they are on the disputed card ending 7167. No fraud alert/indication. No RTA/ Penny, and Galileo response/ deny code with the disputed merchants. RTA response code 46,51 was captured within the UT timeline but not related with the disputed merchant,however, they are on the disputed card ending 7167. Penny response code 46,51 was captured within the UT timeline but not related with the disputed merchant,however, they are on the disputed card ending 7167. However, No manual funding event prior to the authorization of the disputed transactions. MCO unsuccessful. Merchant is closed for business hours. RTA: AVS RESULT B VISA: AVS Result: Address verification not applicable. PII change of address was captured within the UT timeline. No freezing, unfreezing of the disputed card within the UT timeline. No CB rights. No recovery options. Therefore, error found. Final letter send ZD #58183269. Case closed.

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