5372469

Dispute ID: 5372469. CH disputing 4 Debit Unauthorized Transaction from Apple and Philo Inc for $107.98. Dispute Notification Date:2022-10-24. Case Decision: . VROL Case: #*.
OVERALL INVESTIGATION: Disputed card ending in 0437is closed. UT timeline: 2022-09-18 to 2022-10-23 As per Penny card is in possession at the time of transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. TRXN TYPE: Moto 2 Entry Mode 10 Card-Absent with CB rights MCO initiated for the disputed merchant; Philo Inc., a representative named Amor validated the member's full name, email address and phone number where it matches the member records on file. With presence of Direct Deposit via Shiftsmart, Inc, Shiftsmart on 2022-09-19 02:08:18 amounting to $125.52. Member has prior deposits with the same depositor since June 2022 up until October 2022. Galileo deny code 57 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0437. RTA response code 57,85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0437. Disputed merchant (APPLE.COM/BILL www.apple.comCAUS and PHILO INC. +18552774456 CAUS) recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. RTA: AVS RESULT Y and AVS RESULT Z. VISA: AVS Result: Y Exact: Address and ZIP match and AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is freezing, unfreezing of the disputed card within the UT timeline which suggests member has full control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #. VROL Case #. Case closed.

18552774456