***ERRATUM***Dispute ID: 5941554/ 5941554-1/ 5941554-2 . CH disputing 4 Debit Unauthorized Transaction from Amazon & Google for $45.97. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN stated as "Yes, in the member's wallet and phone". Disputed card ending 3429 is closed. 
TRXN TYPE: 
Moto 7 Entry Mode 01
Moto 2 Entry Mode 10
Case Decision: DENY
VROL Case #:  2307621800,  2307621801  ,2307627830, 2307640500 
Overall Investigation:
Upon checking on PI under VROL from the transaction from the merchant GOOGLE *KamiHome, the name and address matches with the CH's records on the account.
Funding event was captured within the UT timeline.
High ending balance after the auth of the last disputed transaction.
With multiple previous transaction/history from Amazon, Hence, this is normal to the CH, there are multiple undisputed transaction 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 December 2021 up until November 2022 transaction showing that CH is doing business with the disputed merchant. Spending amount was not abnormal. Spending pattern was not observed. 
With history from Google where has entry mode 10 credential on file. Disputed merchant Google is normal to the CH. Spending pattern is observed.
Disputed merchant transaction from Google recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable.
No fraud alerts.
Galileo deny code 46,51 was captured within the UT timeline on the disputed card.
RTA response code 85,46,51 was captured within the UT timeline on the disputed card.
Penny response code 46,51 was captured within the UT timeline on the disputed card.
As per RTA:
AVS RESULT Y
As per VISA:
AVS Result:	Y	Exact: Address and ZIP match
No PII changes captured within UT timeline. No signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.
ZD Ticket Number 60559098,60560467,60560482. PVC scheduled for reversal on 2023-01-17 . CASE CLOSED.