Dispute ID: 5441132. CH disputing 1 Debit Unauthorized Transaction from Dtlr for $159.84. Dispute Notification Date: 2022-11-02. Reg E. No merchant credit found relating to the dispute. No claim cancellation. As per Penny card stolen. PIN stated as "In my wallet  or cell phone". Disputed card ending 2034 is closed. Case Decision: Approved. VROL Case #: 2274821379.
Overall Investigation: 
No fraud alerts.
There is freezing, unfreezing of the disputed card within the UT timeline.
Balance exhausted after the authorization of the disputed transaction.
No PII changes captured within UT timeline. No signs of ATO.
However,
No funding event before the authorization of the disputed transaction
Galileo deny code 55 was captured with the disputed merchant.
Member has no previous transaction with the disputed merchant.
Galileo, VROL, RTA  deny/ response code 55 was captured with the disputed merchant.
MCO initiated, merchant is temporarily closed.
RTA: AVS RESULT B
VISA: AVS Result:		Address verification not applicable.
There is no enough evidence to deny the claim. Final resolution, error found. 
Sent ZD #56908018. Case closed.
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UT timeline: 2022-10-01 to 2022-10-06
TRXN TYPE: Moto Blank Entry Mode 5 CIDM 2 No CB rights