5586276

Dispute ID: 5586276. REG E claim. CH is disputing 2 Debit UT from Mc Donalds and Autozone amounting to $35.21. As per Penny, card in possession at the time of transaction(s). PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 3254 is closed. Case Decision: Denied. VROL Case No. 2284427064, 2284424336. OVERALL INVESTIGATION: The disputed transaction from MCDONALD'S F6414, SHREVEPORT, LAUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No PII changes. No signs of ATO. With funding event observed from Card to Card amounting to $40.00 on 2022-11-17 16:10:50 before the authorization of the disputed transaction from AUTOZONE #1310, MARSHALL, TXUS on 2022-11-18 16:40:44. Member has a Spotme limit of $40.00 which enabled the transaction to go through even though CH balance is below the amount of the disputed transaction. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 3254. With history from MCDONALD'S F6414, SHREVEPORT, LAUS. This is normal to the CH. No history from Autozone. This is abnormal to the CH. No fraud alert/indication. No RTA response code with the disputed merchant MCDONALD'S F6414 SHREVEPORT LAUS. RTA response code 85 was captured with the disputed merchant AUTOZONE #1310 MARSHALL TXUS. Penny response code 05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 3254. No Penny response code with the disputed merchants. RTA: AVS RESULTB AVS RESULTY VISA AVS Result: Address verification is not applicable AVS Result: Y Exact: Address and ZIP match There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57962713. Case closed

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-14 to 2022-11-21 TRXN TYPE: Moto Blank Entry Mode 05 EMV Chip Moto 7 Entry Mode 1 Card-Absent with CB rights