Dispute ID: 5745958.  CH disputing 1 Debit Unauthorized Transaction from Txtvrfy for $40.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at time of purchase and PIN memorized. Disputed card ending 9475 is closed. Case Decision: DENIED . VROL Case #:2294762880  
Overall Investigation: 
With funding event observed via Card to Card on 2022-12-07 08:21:44, amounting to $50.00 before the authorization of the disputed transaction from TXTVRFY, +13074292443, WYUS on 2022-12-07 18:42:22. Prior to this funding event the CH account balance is exhausted, this suggests that CH anticipated the transaction and thus funded the account accordingly. CH has a Spotme limit of $40.00 which enabled the transaction to go through.
Cash in cash out was captured within the UT timeline, an indication that CH is aware of the card's activity.
Presence of deny code 51,59,54  was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny.
RTA response code 85 was captured within the UT timeline on the disputed card.
RTA, Penny and Galileo deny/ response code 59 was captured with the disputed merchant.
Disputed merchant is abnormal to the CH.
With fraud alerts.
RTA: AVS RESULT N
VISA: AVS Result:	N	No: Neither address nor ZIP matches
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter sent ZD Ticket Number #59121571.  CASE CLOSED.


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UT TIMELINE: 2022-12-05 to 2022-12-10
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