Dispute ID 5388353-1. CH disputing 2 Debit Unauthorized Transaction from Albert Genius and Albert Instant for $60.99. Dispute Notification Date: 2022-10-26. Reg E Claim. Case Decision: Denied. VROL Case #: 2273053438,2273054991. 
Overall Investigation:
No merchant credit found as of this time. No claim cancellation.
Disputed card ending 0879 is closed.
UT timeline: 2022-10-22 to 2022-10-28
TRXN TYPE:
Moto 1 Entry Mode 10 Card Not Present
Moto 7 Entry Mode 10 Card Not Present
As per Penny, card is in possession at the time of trasnactions. PIN memorized.
With history from Albert Genius Walnut CAUS and Albert Instant Walnut CAUS. Disputed transaction has entry mode 10 credential on file  without response code 85 captured prior and during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.                                                                                                                
Galileo deny code 43 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0879.
No RTA response code with the disputed merchant, Albert Genius Walnut CAUS and Albert Instant Walnut CAUS.
RTA response code 43,85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 0879. 
No fraud alerts.
RTA: 
AVS RESULT Y, AVS RESULT Y
VISA: 
AVS Result:	Y	Exact: address and ZIP match
AVS Result:	Y	Exact: address and ZIP match
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 #56712066,56712099. PVC scheduled for reversal on 2022-11-04. Case closed.