Dispute ID: 5883896/ 5883896-1. CH disputing 3 Debit Unauthorized Transaction from Amzn Mktp Us and Amazon for $69.93. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card  status not specified. PIN Memorized. Disputed card ending 2402 is closed. 
Case Decision:  DENY
VROL Case #: 2303987442, 2303987444, 2303987443 
Overall Investigation:
With multiple previous transaction/history from the same merchant that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting month of January 2021 up until this recent transaction showing that CH is doing business with the disputed merchant.Spending pattern was observed and spending amount was not abnormal.
No fraud alert/indication.
Galileo,RTA, and Penny deny/ response code 78 was captured within the UT timeline on the disputed card.
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 freezing of the disputed card was captured within the UT timeline.
There is enough evidence to deny the claim.Final resolution, no error found.
Final letter sent ZD Ticket Number 60147437,60147478. PVC SCHEDULED FOR REVERSAL ON 2023-01-09. CASE CLOSED

 

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UT TIMELINE: 2022-12-18 TO 2022-12-30
TRXN TYPE: Moto 7 Entry Mode 01