5943188

Dispute ID: 5943188. DND 2023-01-03. CH disputing 1 Debit Unauthorized Transaction from Sp Repsonthego for $96.50. Disputed transaction is Moto 7 Entry Mode 01 Card Not Present. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of transaction. PIN STATED AS "No". Disputed card ending 4255 is closed. Case Decision: CB Lost, Merchant present compelling evidence wherein the member's name and address matches their record. No Error Found. VROL Case #: 2305073250 Overall Investigation: Balance exhausted after the authorization. However, No previous transaction with SP REPSONTHEGO. Disputed merchant is abnormal to the CH. No spending pattern observed. No fraud alert/indication. No PII changes captured within UT timeline. No signs of ATO. Galileo, RTA and Penny deny/ response code 59 was captured within the UT timeline on the disputed merchant. As per RTA: AVS RESULT Y As per VISA: AVS Result: Y Exact: Address and ZIP match No freezing, unfreezing of the disputed card within the UT timeline on the disputed card. Merchant is on the DNC list, unable to initiate MCO. No enough evidence to deny the claim. CB Lost, Merchant present compelling evidence wherein the member's name and address matches their record. No Error Found. Final letter sent with ZD Ticket Number 61870450. PVC scheduled for reversal on 2023-02-08. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-25 to 2022-12-26 TRXN TYPE: Moto 7 Entry Mode 1 FR

Dispute ID xxxx. DND xxxx. CH claimed (x) unauthorized transaction from (x) amounting to xxxx. Reg Z. No claim cancellation. No merchant credit. VROL xxxx.