5815702

Dispute ID: 5815702. CH disputing 1 Debit Unauthorized Transaction from AbcPlanet Fitness for $39.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "In my notes in my phone". Disputed card ending 8433 is closed. Case Decision: DENIED VROL CASE NUMBER: 2298960687 Overall Investigation: With history from AbcPlanet Fitness. 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.
With funding event VIA Friend Transfer AMOUNTING TO $40.00 observed on 2022-12-12 23:31:34 before the authorization of the disputed transaction from ABC*PLANET FITNESS on 2022-12-13 03:20:53. Prior to this funding the account balance is exhausted, this suggests that CH is anticipating this transaction and thus, funded the account accordingly. CH has a Spotme limit of $205.00 which enabled the transaction to go through. Balance exhausted. Funding event was captured after the authorization of the disputed transaction while the CH claimed that the card was stolen. Presence of Galileo, RTA, and Penny deny/ response code 51, 78 was captured within the UT timeline on the disputed card. Penny/ RTA response code 10 was captured within the UT timeline on the disputed card. No fraud alerts. RTA: AVS RESULTN VISA: AVS Result: N No: Neither address nor ZIP matches Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable. Disputed merchant is normal to the CH. Spending pattern was observed. No PII changes captured within UT timeline. No signs of ATO. Multiple freezing, unfreezing of the disputed card was captured within the UT timeline an indication that CH is in control of the account. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD#59545309. CASE CLOSED.

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