Dispute ID:5835527. PTF claim for TRXN ID 95844184819. CH disputing 16 Debit Unauthorized Transaction from Microsoft for $201.63. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction(s) and PIN memorized. Disputed card ending 1633 is closed.
Case Decision: 
VROL CASE NUMBER:
Overall Investigation:
No fraud alerts.
Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.

However,
Presence of funding was captured within the UT timeline but not directly impacting the disputed transactions.
High ending balance after the authorization of the last disputed transaction.
No prior history with the disputed merchant, hence this is abnormal to the CH.
RTA response code 51, 85 was captured with the disputed merchant.
Galileo deny code 51, 61, 05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1633.
Galileo deny code 51 was captured with the disputed merchant.
RTA response code 51, 61, 05, 85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 1633.
RTA: AVS RESULTZ
VISA: 

Final letter sent ZD Ticket Number . CASE .
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UT TIMELINE: 2022-08-07 to 2022-12-18
TRXN TYPE: 
Moto 7 Entry Mode 10 
Moto 7 Entry Mode 1