Dispute ID: 5211967/5211967-1. CH is disputing 1 UT card absent transaction amounting to $126.21 from Hotelscom. No claim cancellation. No merchant credit as of this date. Reg E claim. Old account. Card is closed. Card status is stolen. Pin is not compromised. With CB Rights.
**INVESTIGATION FOUND**
CH have previous transactions with the same disputed merchant, an indication that MM is aware of who the merchant is and it's services. There's funding event found on 2022-10-01 21:53:54 amounting to $260.00 prior to the auth of the disputed transaction which is directly impacting to the disputed transaction since the balance prior to the funding was almost exhausted which means that the transaction won't push through without the funding. Continuous funding event during UT while the card is said to be stolen. Presence of deny code 43 within the disputed timeline however it is not related to the disputed transaction. No response code 85 was captured within the disputed timeline. AVS RESULT shows in RTA is Z - either 5 or 9 digit zip match, address does not. RECURRING FLAG - NO. No fraud alert was captured. No PII changes or any signs of ATO observed within the disputed timeline. Therefore, No error found. Filed FR with ROL Case Number 5219069797. Case closed.