5312994

Dispute ID: 5312994. DND: 2022-10-16. REG E claim. Old account. CH is disputing 3 UT from multiple merchants amounting to $63.35. As per Penny, card is in possession at the time of transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 2603 is closed. INVESTIGATION FOUND: The disputed transaction from Moby Liquor is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account, approximate time 16mins. No evidence of card separation. With funding event observed from Incomm API Load amounting to $20.00 on 2022-10-10 15:50:11 before the authorization of the disputed transaction from UBR on 2022-10-10 16:46:39. With funding event observed from Visa Money Transfer amounting to $49.12 on 2022-10-14 19:15:33 before the authorization of the disputed transaction from CHALLENGER LIQUOR 1004 E AVENUE K. Balance almost exhausted after the authorization of the last disputed transaction. In Galileo, deny code 51 and 57 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 2603. Galileo deny code 51 was captured with the disputed merchant UBR. No fraud alert. RTA response code 51 and 85 was captured with the disputed merchant, UBR. No RTA response code with the disputed merchant, MOBY LIQUOR and CHALLENGER LIQUOR. RTA response code 51,85,57 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 2603. RTA: AVS RESULT Z, AVS RESULT B, AVS RESULT B. VISA: AVS Result: Z ZIP matches, address does not AVS Result: Address verification not applicable PII change of phone number was captured within the UT timeline. There is freezing, unfreezing of the disputed card within the UT timeline. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #55952561. Filed FR ROL Case #2266138342,2266138349. Unable to file FR for STAR transactions, no STAR access. Case closed.

❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌❌ UT timeline: 2022-10-08 to 2022-10-18 TRXN TYPE: Moto 7 Entry Mode 10 Moto Blank Entry Mode 05 STAR