Dispute ID: 5160268. DND 2022-09-25. CH is disputing 1 UT from Spectrum amounting to $89.48. As per VCF, card in possession at time of purchase. PIN stated as "Safe". No merchant credit. No claim cancellation. Reg E. Old account. ***INVESTIGATION***Observed funding from CNB Enid Deposit prior to the authorization of the disputed transaction from DIRECT DEP on 2022-09-22 18:37:46	amounting to $1691.73. Prior to the funding from the CNB Enid Deposit, CH's balance is already exhausted. The same depositor from CNB Enid Deposit was observed funding CH's account from 2022-05. Galileo deny code:51,43,04, was captured within UT timeline but not related with the disputed merchant. Deny code 57 was captured with the disputed merchant. No fraud alerts. As per RTA, response code 57 was captured with the disputed merchant. AVS RESULT Z.  As per RTA, response code 43,04,85,57,51,  within UT timeline but not related with the disputed merchant. There is freezing of the disputed card within UT timeline. No PII changes. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54838571. Filed FR ROL Case #5215031600. Case closed.