Dispute ID: 5872169. CH disputing 1 Debit Unauthorized Transaction from 	Dependapp for $149.85. 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 and PIN memorized. Disputed card ending 0102 is closed. 
Case Decision: DENY
VROL Case #: 2301385419
Overall Investigation:
With funding event observed on 2022-12-23 14:58:54	before the authorization of the disputed transaction from DEPENDAPP, 833-2227243, MIUS on 2022-12-23 19:29:48. Member has a Spotme limit of $100.00 which enabled the transaction to go through.
Balance exhausted.
Cash-in cash-out and funding event was captured within the UT timeline.
Galileo, RTA, and Penny deny /response code 78 was captured within the UT timeline on the disputed card.
Disputed merchant is abnormal to the CH. No prior history.
No fraud alert/indication.
RTA: AVS RESULT Z
VISA: AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline. No signs of ATO.
Freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH is in control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 59823966. CASE CLOSED.


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Moto 7 Entry Mode 1

FR: