Dispute ID: 5389759-1. CH disputing 4 Debit Unauthorized Transaction from Phblur for $80.00. Dispute Notification Date: 2022-10-27. Reg E. Case Decision: Denied. VROL Case #: 2273102662, 2273102663, 2273102664,  2273102665      
Overall Investigation: As per Penny, card in possession at the time of purchase. PIN memorized. No merchant credit found as of this time. No claim cancellation. TRXN TYPE: Card not present. Disputed card ending 4226 is closed. UT timeline: 2022-10-01 to 2022-10-29
With funding from Visa Money Transfer on 2022-10-01 08:05:58 amounting to $55.00 before the authorization of the disputed transaction from PHBLUR, +13074292443, WYUS on 2022-10-03 20:53:50.
With presence of CNB Enid Deposit via  PIZZAPLEX L3C, ACH on 2022-10-06 19:08:14, 2022-10-24 18:22:40. Member has previous deposits from the same depositor. 
Galileo deny code 05, 43 was captured witthin the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4226.
Galileo deny code 43,59,54 was captured with the disputed merchant,  PHBLUR +13074292443 WYUS. 
With fraud alert.
RTA response code 43,59,54 was captured with the disputed merchant.
RTA response code 05,43 was captured witthin the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4226.
VROL response code 59 and 54  was captured with the disputed merchant.
RTA: 
AVS RESULT N 
AVS RESULT N
AVS RESULT N
AVS RESULT N
VISA:
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	N	No: Neither address nor ZIP matches
No PII changes captured within UT timeline.
No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #56713942, 56713953. PVC scheduled for reversal on 2022-11-07.Case closed.