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Dispute ID: 5043786-1. DND 2022-09-08. Reg Z Claim. CH is disputing 1 UT from Roku amounting to $10.99. As per VCF, card in possession at time of purchase. PIN memorized. No merchant credit. No claim cancellation. Old account. INVESTIGATION
Denial *Continuous funding within the disputed UT timeline. *No fraud alerts.
- Member has previous transaction with the disputed merchant where it has entry mode 10, no response code 85,57,54 was captured prior to the authorization of the disputed transaction. *As per RTA, response code 85, was captured but not related to the disputed trasnactions. *As per RTA, AVS RESULT B. *Spending pattern was observed with the disputed merchant Roku since 2021-09 up to 2022-08 with monthly transaction amounting to $10.99/month. Therefore, there is enough evidence to deny the clim. Final resolution, no error found. Sent final letter Zd #. Filed FR ROL Case #. Case closed
Write-off *No funding prior to the authorization of the disputed transaction.
No funding event prior to the authorization of the disputed transactions. PII change of addres was observed within the disputed UT timeline. However, balance is exhausted after the authorization of the last disputed transactions. Continuous funding is observed within the disputed UT timeline. Member has previous transaction with the disputed merchant where it has entry mode 10, no response code 85 was captured prior to the authorization of the disputed transaction. As per RTA, response code 54 was observed within the disputed UT timeline. As per RTA, response code 05, 54, 85 was observed within the disputed UT timeline but not related to the disputed transactions. AVS RESULT B for both disputed transaction as per RTA.Spending pattern was observed with the disputed merchant Roku since 2021-09 up to 2022-08 with monthly transaction amounting to $10.99/month. Member has previous transactions with the disputed merchant Roku, and TU *TRANSUNION. Spending pattern was observed with the disputed merchant TU *TRANSUNION since 2022-04 up to 2022-08 with monthly transaction amounting to $24.95/month. No fraud alerts. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD #53930901. Filed FR ROL Case #2264204074,2264199164. Case closed.