5544058

DISPUTE ID 5544058/ 5544058-1. CH disputing 4 Debit UT amounting $33.92 with APPLE. No claim cancellation. No Merchant Credit found relating to the disputes. As per Penny, Card in possession at the time of purchase. PIN stated as "saved in her phone". Disputed card ending 6322 is closed. Case decision: Denied. VROL Case No.:2282156645,2282156646,2282162625,2282162626. OVERALL INVESTIGATION: Balance exhausted after the authorization of the last disputed transaction. As per Galileo no deny codes relating to the disputed card and merchant. As per Penny no response codes relating to the disputed card and merchant. CH has prior history with the disputed merchant, hence this is normal to the CH. Disputed merchant has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. No PII changes captured within UT timeline. No signs of ATO. There is freezing of the disputed card within the UT timeline. However, No funding event prior to the authorization of the disputed transaction. RTA response code 85 was captured with the disputed merchant within the UT timeline under the same disputed card. Claim below CB threshold. Therefore, error found. Sent final letter ZD #57711137,57711152. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-11 to 2022-11-18 TRXN TYPE: Moto 7 Entry Mode 10 Moto 2 Entry Mode 10 Moto 2 Entry Mode 10 Moto 2 Entry Mode 10