Dispute ID: 5882479. CH disputing 4 Debit Unauthorized Transaction from 	Rivers Edge Bingo for $50.00. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen. PIN compromised. Disputed card ending 3638 is closed. 
Case Decision:  APPROVED
VROL Case #: 2301981908, 2301990518,2301986262, 2301984460 
Overall Investigation:
Funding event was captured within the UT timeline but not directly impacting the disputed transactions.
Balance almost exhausted after the authorization of the last disputed transaction.
Galileo deny code 55,59 was captured within the UT timeline on the disputed card.
RTA response code 85, N7, 55, 59 was captured within the UT timeline on the disputed card.
Penny response code N7, 55, 59 was captured within the UT timeline on the disputed card.
There is no previous transactions found with the disputed merchant other transactions are also being disputed by the CH. Hence this is abnormal to the CH.
No fraud alert/indication.
RTA: AVS RESULT Z
VISA: AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline. No signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.
MCO initiated, answered by a voicemail. Unable to validate information.
No enough evidence to deny the claim. Claim below CB threshold.
Therefore, error found. Sent final letter ZD Ticket Number 59887094. CASE CLOSED


                                                                                                                                                                                                                                               





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UT timeline:2022-12-23 to 2022-12-28
TRXN type:
Moto 7 Entry Mode 10