Dispute ID: 5942226. CH disputing 1 Debit Unauthorized Transaction from Frontier Ai Qih 18 E for $99.00. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card not in possession at the time of  transaction. PIN stated as "save in notes in phone and written in a piece of paper inside MM's wallet". Disputed card ending 8409 is closed. 
Case Decision: DENY
VROL Case #: 2305028309 
Overall Investigation:
With funding event via Friend Transfer amounting to $150.00 observed on 2022-12-28 18:34:00	before the authorization of the disputed transaction from FRONTIER AIRPORTS, 7203744390, COUS on 2022-12-28 18:35:21.
Low ending balance after the authorization of the disputed transaction.
Multiple freezing, unfreezing of the disputed card within the UT timeline suggesting that CH is in control of the account.
Cash in cash out was captured within the UT timeline.
Galileo, RTA, and Penny deny/ response code 78 was captured within the UT timeline on the disputed card.
Disputed merchant is normal to the CH. With prior history. Spending amount is normal.
No fraud alert/indication.
RTA:
AVS RESULT B
VISA:
AVS Result:		Address verification is not applicable
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 60270262. CASE CLOSED.
                                                                                                            
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UT TIMELINE: 2022-12-26 to 2022-12-31
TRXN TYPE: 
Moto Blank Entry Mode 1
FR 5