5848654/ 5848654-1

Dispute ID: 5848654/ 5848654-1. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $349.18. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction and PIN memorized. Disputed card ending 1145 is closed. Case Decision: approve VROL Case #: 2303211101,2303211104,2303211102,2303211103 Overall Investigation: Upon checking RTA the Transaction has an EMV Fallback (When an EMV enabled card is used in a chip card reader, but the payment cannot be completed using EMV technology. In these instances, the merchant might “fall back” to processing the payment by magnetic stripe. The account Balance is exhausted after the authorization of the last disputed transaction. There is Cash-in cash-out was captured within the UT timeline. As per Galileo, RTA, and Penny there are deny/ response code 46,78, 51 was captured within the UT timeline. The Disputed merchant SP1010 - SOLANO, FAIRFIELD, CAUS and GAMESTOP #3938, VALLEJO, CAUS is abnormal to the CH. There is No prior history. The disputed transction is out of state, and it takes (2hrs and 5minutes) (23hrs and 44minutes) and (14hr and 17minutes) from the vicinity of the MM address on file. There is No fraud alert/indication. As per RTA:AVS RESULT B, FOR ALL DISPUTED TRANSACTIONS. As per VISA:AVS Result:Address verification is not applicable No PII changes captured within UT timeline. No signs of ATO. There is freezing of the disputed card within the UT timeline. There is funding event observe via Card to Card amounting to $155.70 observed on 2022-12-23 13:48:15 before the authorization of the disputed transaction from GAMESTOP #3938, VALLEJO, CAUS on 2022-12-23 14:07:43, eventhough there is funding activity observe but since the transaction has EMV fallback claim should be write off since the card was been cloned or skimmed. MCO initiated, routed to voicemail. Unable to validate information. No enough evidence to deny the claim. Therefore, error found. Final letter ZD Ticket Number 60033337,60033538. CASE CLOSED .

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-21 TO 2022-12-26 TRXN TYPE: Moto Blank Entry Mode 91 Moto Blank Entry Mode 91 Moto Blank Entry Mode 91 FR: 1