Dispute ID: 5374165. CH disputing1 Debit Unauthorized Transaction from Google Nord Vpn for $49.99.  Dispute Notification Date:2022-10-24. Case Decision: DENIED. VROL Case: #2270226842. Case closed.
OVERALL INVESTIGATION:
Disputed card ending in 5460 is closed.
UT timeline: 2022-10-20  to 2022-10-26
As per Penny card is in possession at the time of transaction. PIN memorized.
No merchant credit found as of this time.
No claim cancellation.
TRXN TYPE: Moto 2 Entry Mode 10
No funding event prior to the authorization of the disputed transaction.
High ending balance after the authorization of the disputed transaction.
RTA response code 85 was captured with the disputed merchant.
However,
Member has multiple previous transaction/history from the same merchant that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting month of October 2020  up until October 2022 transaction showing that CH is doing business with the disputed merchant.
Galileo deny code 43,51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5460.
RTA: AVS RESULT Z
Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it.
RTA response code 43,51,85, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 5460.
No PII changes captured within UT timeline.
No signs of ATO.
There is freezing of the disputed card within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #56371682. Case closed.