I.
INITIAL INVESTIGATION
DISPUTED ID: 4553086
DND: 06/27/2022
REG E: YES
INTAKE TYPE:MOBILE 
OLD/NEW: OLD
DISPUTED TXN: FEVER USA* STRANGER TH, HTTPSFEVERUP., NYUS AUTH DAT: 2022-06-12 13:12:56 SETTLEMENT DATE:2022-06-13 14:44:41 
LAST 4 DISPUTED CARD: 6180
MERCHANT CREDIT: NO MERCHANT CREDIT
CLAIM CANCELLATION: NO CLAIM CANCELLATION
CARD REPLACED: STOLEN
PC DUE/ISSUE: 2022-07-12
CARD STATUS: NOT IN POSSESSION
PIN STATUS: MEMORIZED
TRANSACTION TYPE: CARD ABSENT/ ONLINE TRANSACTIONS

II.
There is no previous transactions from the disputed merchant
There is no spending pattern observed 
There is a funding event happened prior to the authorization of the disputed merchant via Visa Money Transfer on 2022-06-11 at 21:02:32 amounting to $29.48 but not enough to cover the disputed transaction
No decline code observed during UT timeline 
There is freezing and unfreezing activity observed during UT timeline
No PII observed during the disputed UT timeline.
No fraud alert captured during UT timeline
CH ATM balance is observed as high ending
No third party access
No ATO observed 
Spending amount velocity is abnormal
Initiated MCO 16468496917 but he refuse to provide his name. Provided all the information needed but he cant validate the dispute. 



INVESTIGATION
***ERRATUM***
Dispute ID: 4553086.CH is disputing (1) UT  for the Amount of $251.90 against FEVER USA* STRANGER TH, HTTPSFEVERUP . Reg E case. Card Status is replaced.  The disputed transaction is a Card Absent with CB rights. As per VCF Card is not in possession. No claim cancellation. No merchant credit. There is no previous transactions from the disputed merchant with no spending pattern observed. There is a funding event observe prior to the authorization of the disputed merchant via Visa Money Transfer on 2022-06-11 at 21:02:32 amounting to $29.48 but not enough to cover the disputed transaction.  No decline code observed during UT timeline. No fraud alert captured during UT timeline. CH balance is high ending after the authorization. No third party access. No ATO observed. Spending amount velocity is abnormal. Initiated MCO 16468496917 but he refuse to provide his name. Provided all the information needed but he cant validate the dispute. Initiated CB with VROL# 2239886392. Case ongoing.



Dispute ID: 4568863. DND:2022-06-29 INTAKE TYPE: PHONE CH is disputing (1) UT  for the Amount of $65.00 against Perks Of Therapy. Reg E case. Card Status is replaced.  The disputed transaction is a Card Absent with CB rights. As per  Penny dispute card is in possession. ***Investigation***
No claim cancellation. No merchant credit. Upon checking the disputed merchant there is no funding event was observe prior to the disputed transaction. High ending balance with no spending behavioral pattern. Suspicious Deny Code: 05 was captured during the UT timeline, but not related to the disputed transaction. No freezing and unfreezing activity observed. No cash in cash out observed. No fraud alert. Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and  no response code 85 was captured prior the authorization of the disputed transaction. Not enough evidence to deny the claim. Initiated MCO but prompted to IVR.
 Initiated CB with VROL#2240596449. Case Ongoing.



FR #2240596449