Dispute ID : 10573904 
DND : 2023-06-25 
1 Debit  UT transaction against Root Insurance   amounting to $1,103.49 
Reg Z Claim.
Card closed.
No claim cancellation nor merchant credit.
 Card stolen.
PIN  memorized.
Card absent transaction MOTO/ECI 07 with Entry mode 01.
ROL Case Number 5274752571 
Sent acknowledgement letter with ZD#: 69943939


Approval
* No Previous transaction
* No spending pattern
* Dollar amount is abnormal
* spending velocity is abnormal
* No Funding event prior
* No failed attempts, No deny codes 55 
* No valid undisputed card present EMV transaction
* No undisputed contacless PIN based transaction
* No deny codes observed within the UT timeframe
* No freezing/Unfreezing
* No Signs of ATO/PII changes
 Gathered evidence are insufficient to deny the claim. Chargeback initiated Case ongoing.