***ERRATUM***Dispute ID 5219685.CH disputing 2 Debit Unauthorized Transaction from Procare Health and Vidafy Inc for $309.95. Dispute Notification Date: 2022-10-03. Case Decision: PRE ARB WON - ACQUIRER RESPONSE TIMEFRAME EXPIRED. VROL Case #: 5219601436.
Overall Investigation:
TRXN TYPE: 
Moto 7 Entry Mode 01 Card Not Present
Moto 1 Entry Mode 01 Card Not Present
As per Penny, card in possession at the time of purchase. PIN memorized.
No merchant credit found as of this time. No claim cancellation.
Disputed card ending 1012 is closed.
UT timeline: 2022-09-30 to 2022-10-06
No suspicious declined codes within UT timeline.
No fraud alert.
No PII changes captured within UT timeline.
No signs of ATO.
There is freezing of the disputed card within the UT timeline.
However,
No funding event before the authorization of the disputed transaction.
High ending balance after the authorization of the disputed transaction from  VIDAFY INC, 801-6180992, UTUS on 2022-10-02 09:08:44.
MCO initiated. Answered by a voicemail, merchant closed for business hours. Unable to validate information.
Member has no previous transaction with the disputed merchant.
Galileo deny code 43,57,05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1012.
Galileo deny code 43 was captured with the disputed merchant, PROCARE HEALTH LAKE ST LOUISMOUS.
RTA response code 43 was captured with the disputed merchant, PROCARE HEALTH LAKE ST LOUISMOUS.
No RTA response code with the disputed merchant, VIDAFY INC 801-6180992 UTUS. 
RTA response code 43,57,85,05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1012. 
RTA: 
AVS RESULT Z
AVS RESULT N
VISA:
AVS Result:	Z	ZIP matches, address does not
AVS Result:	N	No: Neither address nor ZIP matches
Therefore, error found. Chargeback Initiated. VROL Case #5219601436.
Sent ZD #56422028. Case closed