Dispute ID: 5850826/ 5850826-1. CH disputing 2 Debit Unauthorized Transaction from Raceway AND Shipmentsfree.com for $41.96. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card  in possession at the time of the transaction and PIN memorized. Disputed card ending 9155 is closed. 
Case Decision: DENY
VROL Case #: 2301864498, 2301878518 
Overall Investigation:
The disputed transaction from RACEWAY 6940, PENSACOLA, FLUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No PII changes within the UT timeline. No signs of ATO.
With history from SHIPMENTSFREE.COM. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.                                                                                                                  
Disputed merchant RACEWAY 6940 18969402, PENSACOLA, FLUS and SHIPMENTSFREE.COM is normal to the CH. Spending pattern is observed and spending amount is normal.
No fraud alerts.
Galileo, RTA, and Penny deny/ response code 46 was captured within the UT timeline on the disputed card.
As per RTA: AVS RESULTB, AVS RESULTB
As per VISA: AVS Result:		Address verification is not applicable/ AVS Result:		Address verification is not applicable.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter sent ZD Ticket Number 59876140,59876139. PVC scheduled for reversal on 2023-01-05. CASE CLOSED.




🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀
UT timeline:2022-12-21 to 2022-12-26
TRXN type:
mOTO bLANK eNTRY mODE 05
mOTO 7 eNTRY mODE 10