Dispute ID: 5212452-1. DND 2022-10-02. Reg E. Old account. CH is disputing 3 UT from Amazon  amounting to $11.90. As per Penny, card status not specified. PIN memorized. No merchant credit found as of this time. No claim cancellation. Card ending 7072 is closed. 
TRXN Type:   
Moto 7 Entry Mode 1 Card-Absent with CB Rights
UT Timeline: 2022-09-29 to 2022-10-04
  ***INVESTIGATION FOUND***



















With previous transactions from the same merchant that shows member has monthly spending pattern observe where it started on November 2019 up until October 2022.
As per Galileo, deny code 43 was captured within UT timeline but not related with the disputed merchant.
As per Galileo, deny code 57 was captured with the disputed merchant.
No fraud alerts.
As per VISA: 
	AVS Result:	Y	Exact: Address and ZIP match
	AVS Result:	Y	Exact: Address and ZIP match
    AVS Result:	Y	Exact: Address and ZIP match
As per RTA:
	AVS RESULT Y
   AVS RESULT Y
   AVS RESULTY
As per RTA, response code 57 was captured with the disputed merchant.
There is freezing of the disputed card within UT timeline.
No PII changes captured within UT timeline.
No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #55285298. Filed FR ROL Case #5219110420, 5219110421,  5219110422.
Case closed