5871831 pending

Dispute ID: 5871831. CH disputing 27 Debit Unauthorized Transaction from multiple merchants for $188.66. Reg E. No merchant credit found relating to the disputes as per Galileo and Admin. No claim cancellation. Disputed card ending 1236 is closed. CASE DECISION: CHARGEBACK INITIATED VROL #: Overall Investigation: With history from Apple. Disputed transaction has entry mode 10 credential on file. Disputed merchant is normal to the CH. Spending amount is normal. Funding event ws captured within the UT timeline. Cash-in cash-out was captured within the UT timeline. Presence of DD was captured within the UT timeline. Disputed merchant transaction from APPLE.COM/BILL, EMPOWER ADVANCE, CLEO AI 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. Balance exhausted after the authorization of the disputed transaction. With fraud alert. Galileo deny code 51, 59, 57 was captured within the UT timeline on the disputed card. RTA response code 85,10 was captured within the UT timeline on the disputed card. Penny response code 51,59,57,10 was captured within the UT timeline on the disputed card. Disputed merchant Brigit, Cleo Ai, Cleo, EMPOWER is abnormal to the CH. No prior history.

RTA: AVS RESULTY,Y,Y,Y,Y,Y,Y,Y,Y,Z,Y,Y,Y,Z,Y,Y,Y,Y,Y,Y,Y,Z,Y,Y,Z,Y,Y,Y VISA: 2.99 Apple AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match 0.99 AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match 1.99 AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match 5.62 AVS Result: Y Exact: Address and ZIP match AVS Result: Y Exact: Address and ZIP match 11.00 AVS Result: Z ZIP matches, address does not 5.99 AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not 27.00 AVS Result: Z ZIP matches, address does not 3.99 AVS Result: Y Exact: address and ZIP match AVS Result: Y Exact: address and ZIP match No PII changes captured within UT timeline. No signs of ATO. No freezing, unfreezing of the disputed card within the UT timeline.. MCO initiated but unable to validate information since merchant is requiring that the CH must personally call them. No enough evidence to deny the claim. Proceed to chargeback. Sent ZD Ticket Number for the PVC issued.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-10-09 TO 2022-12-20 TRXN TYPE: Moto 7 Entry Mode 10 Moto 2 Entry Mode 10 Moto 7 Entry Mode 01