5686659

Dispute ID: 5686659. CH disputing 1 Debit Unauthorized Transaction from Bark.Us Subscription for $108.16. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card in possession at time of purchase. PIN stated as "My book". Disputed card ending 2815 is closed. Case Decision: DENIED. VROL Case #: 2291123454. Overall Investigation: With funding event via Card to Card amounting to $56.50 observed on 2022-11-30 20:04:22 before the authorization of the disputed transaction from BARK.US SUBSCRIPTION, +16785037755, GAUS on 2022-12-01 18:04:38. Balance exhausted. Cash in cash out was captured within the UT timeline. Galileo deny code 51 was captured within the UT timeline on the disputed card ending 2815 but not related with the disputed merchant. No fraud alert/indication. No prior history with the disputed merchant, hence this is abnormal to the CH account. RTA response code 85,51,10, was captured within the UT timeline on the disputed card ending 2815 but not related with the disputed merchant. Penny response code 10,51 was captured within the UT timeline on the disputed card ending 2815 but not related with the disputed merchant. No RTA/ Penny response code with the disputed merchant. Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details. RTA: AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD Ticket Number 58717776. CASE CLOSED.

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