Dispute ID: 5913249. DND: 2022-12-31. CH is disputing 2 Moto 7 Entry Mode 01 Card Not Present Debit Unauthorized Transaction from Amazon for $148.01. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN memorized. Disputed card ending 1899 is CLOSED. 
Case Decision: Pre - Arb Won, Acquirer Response Timeframe Expired. Error Found.
VROL Case #: 2305952680, 2305952681 
Overall Investigation:
No funding event prior to the authorization of the disputed transactions.
With history from Amazon. Intermittent transactions shows that merchant is normal to the CH. Disputed amount is normal. No spending pattern observed.
Low ending balance after the authorization of the disputed transaction.
As per Galileo, RTA, & Penny no deny/ no response code was captured with the disputed merchant
As per RTA: AVS RESULT Y
As per VISA:AVS Result:	Y	Exact: Address and ZIP match
No fraud alert.
No PII changes captured within UT timeline. No signs of ATO. 
There is freezing of the disputed card within the UT timeline.
Merchant is on the DNC list, unable to initiate MCO.
No enough evidence to deny the claim. Pre-arb initiated, merchant presented no compelling evidence where the physical address  only matches the member's record on file. Pre - Arb Won, Acquirer Response Timeframe Expired. Error Found.
Sent final letter with ZD Ticket Number 61904197. CASE CLOSED.

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