5704217 ATM withdrawal

Dispute ID: 5704217. CH disputing 2 Debit Unauthorized Atm Withdrawal Transaction for the total amount of $460.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card lost/ stolen. Pin memorized. Disputed card ending 9460 is closed. Case Decision: DENIED. Unable to file FR for STAR trxns, no STAR access. Overall Investigation: Disputed transaction from PNC BANK 923 W KING ST, COCOA, FLUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute. With funding event via Visa Money Transfer amounting to $75.00 observed on 2022-12-03 19:43:13 before the authorization of the disputed transaction from PNC BANK 923 W KING ST, COCOA, FLUS on 2022-12-05 20:34:52. Balance almost exhausted after the authorization of the last disputed transaction. The disputed card present EMV transaction is within the vicinity with the member's address on the account.
Presence of deny code 46, was observed within the UT timeline on the disputed card as per Galileo, RTA, AND Penny. Disputed merchants are normal to the CH. No fraud alert/indication. RTA: AVS RESULT B No PII changes captured within UT timeline. No signs of ATO. Freezing of the disputed card was observed within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Final letter ZD Ticket Number 58867289. CASE CLOSED.

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