Dispute ID:5678522. CH disputing 4 Debit Unauthorized Transaction from Facebook for $74.87. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card in possession at time of purchase. PIN memorized. Disputed card ending 2785 is closed. Case Decision:. VROL Case #:
Overall Investigation:
Pattern of funding event was observed one of which is via Visa Money Transfer amounting to $86.37 observed on 2022-11-10 17:08:59before the authorization of the disputed transaction from PP*METAPLATFOR FACEBOO, 4029357733, CAUS on 2022-11-10 17:28:46.
Csh in cash out was captured within the UT timeline.
Galileo deny code 46,51,78, was captured within the UT timeline on the disputed card ending 2785.
Galileo deny code 51,78, cc
With history from PP*METAPLATFOR FACEBOO, 4029357733, CAUS is normal to the CH. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.
Disputed merchant Facebk is abnormal to the CH.
No fraud alert/indication.
RTA response code 46,51,78,85 was captured within the UT timeline on the disputed card ending 2785.
RTA response code 51,78, 85 was captured with the disputed merchant Facebk.
Disputed merchant Entry FACEBK 8CBDZJPFK2 650-5434800 CAUS has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Penny response code 46,51,78 was captured within the UT timeline on the disputed card ending 2785.
Penny response code 51,78 was captured with the disputed merchant FACEBK.
RTA:
AVS RESULTN
AVS RESULTN
AVS RESULTN
AVS RESULTN
VISA:
AVS Result: N No: Neither address nor ZIP matches
AVS Result: Address verification not applicable
AVS Result: N No: Neither address nor ZIP matches
AVS Result: N No: Neither address nor ZIP matches
No PII changes captured within UT timeline. No signs of ATO.
There is freezing, unfreezing of the disputed card within the UT timeline, an indication that CH has control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #58658510. Case closed.
🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-08 to 2022-12-06
TRXN TYPE: