Dispute ID: 5628017. CH is disputing 1 Debit Unauthorized Transaction from Philomath Brainery for $40.61. Reg E Claim. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at time of purchase. PIN memorized. Disputed card ending 8660 is closed. Case Decision: DENIED. VROL Case #:2287003758.
#force_post. Original authorization date was on 2022-08-13 10:40:51.
Overall Investigation: 
With funding event via Visa Money Transfer amounting to $48.62 observed on 2022-08-13 10:26:40 before the authorization of the disputed transaction from  PHILOMATH BRAINERY, Lekki, MENG on 2022-08-13 10:40:51.
Balance almost exhausted after the authorization of the disputed transaction.
Cash in cash out was captured within the UT timeline.
Galileo deny code 59,51,05,was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 8660.
No history with the disputed merchant, hence this is abnormal to the CH.
With fraud alert.
No RTA/ Penny response code with the disputed merchant.
Disputed transaction in RTA shows as INTERNATIONAL YES.
RTA response code 51, 59,05,N7,85,10 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 8660.
Penny response code 51,10,05 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 8660.
RTA: AVS RESULT B
VISA: AVS Result:		Not applicable 
PII change of address was captured within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #58245614. Case closed.


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UT TIMELINE: 2022-08-12 to 2022-11-26
TRXN TYPE: Moto 7 Entry Mode 01