4816822

Dispute ID: 4816822. DND: 2022-08-04. Intake type: Phone. Reg E. Old account. CH is disputing 1 UT from Highland Inn amounting to $384.03. No merchant credit. No claim cancellation. Card ending with 8261 is already replaced. ***INVESTIGATION ***As per Penny, card is in possession. PIN memorized. transaction type is Moto/ECI blank, Entry Mode 5. The disputed transaction happened within the vicinity of the member's physical address, wherein, the disputed merchant is 13mins drive from the member's physical address. However, there is no previous transaction with the same merchant. With high ending balance after the last disputed transaction. DD Enrolled.

Write-off With high ending balance after last disputed transaction. No previous transaction with the same merchant.

Denial The disputed transaction happened within the vicinity of the member's physical address, wherein, the disputed merchant is 13mins drive from the member's physical address. No suspicious declined codes within the disputed timeline. No PII Changes. No ATO hallmarks. No third party access. No fraud alerts. Therefore, there is no enough evidence to deny the claim. Final resolution, error found. Initiated chargeback

Card number: 4232230277818261 Moto blank Entry Mode 5 card-present with no CB rights