5909569

Dispute ID: 5909569. CH disputing 1 Debit Unauthorized Transaction from Ab Jacobssshopify for $79.99. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN stated as "Saved on phone, memorized". Disputed card ending 2933 is closed. Case Decision: CHARGEBACK VROL Case #: 2303279690 Overall Investigation: With funding event via Visa Money Transfer amounting to $7.75 observed on 2022-12-23 16:53:24 before the authorization of the disputed transaction from AB * jacobssshopify, Internet, GB on 2022-12-23 17:05:22. Cash in cash out was captured within the UT timeline. No fraud alert/indication. No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline suggesting that CH is in control of the account. However, Prior to this funding event that was observed on 2022-12-23 16:53:24 the account balance is high ending which suggests that it is not intended for that specific transaction. High ending balance after the authorization of the disputed transaction. Disputed merchant is abnormal to the CH. No prior history. Galileo, RTA, and Penny response/ deny code 55 was captured within the UT timeline on the disputed card. RTA response code 85 was captured within the UT timeline on the disputed card. Disputed merchant/ transaction as per RTA is INTERNATIONAL. Unable to initiate MCO. RTA: AVS RESULT Y VISA: AVS Result: D Unknown Value There is no enough evidence to deny the claim. Proceed to chargeback. ZD Ticket Number 60041508. CASE ONGOING.

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