Dispute ID: 5485504. CH disputing 1 Debit Unauthorized Transaction from Hlu*Hulu for $31.71. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen and PIN stated as "Notebook". Disputed card ending 1858 is closed. Case Decision: Chargeback initiated. VROL Case #:2278226516  . 
Overall Investigation: 
Low ending balance after the authorization of the disputed transaction.
Galileo deny code 46,78, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1858.
RTA response code 46,78 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1858.
Member has previous transaction with the disputed merchant.
No fraud alerts.
RTA: AVS RESULT B
VISA: AVS Result:		Address verification is not applicable
Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it.
Disputed trasnaction has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
No PII changes captured within UT timeline. No signs of ATO.
There is freezing, unfreezing of the disputed card within the UT timeline.
However,
No funding event prior to the authorization of the disputed transaction.
Funding was observed after the authorization of the disputed transaction.
Galileo, RTA and VROL deny/ response code 78 was captured with the disputed merchant.
MCO unsuccessful. Hold time is too long. Stayed for less than 3mins. Unable to validate information.
There is no enough evidence to deny the claim. Chargeback initiated. Sent ZD #57215367. Case ongoing.
🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-05 to 2022-11-10
TRXN TYPE:
Moto 2 Entry Mode 10