Dispute ID: 5814816. DND 2022-12-20. CH is disputing 1 Moto 2 Entry Mode 10 Card Not Present Debit Unauthorized Transaction from Dasco Home Medical E for $35.94. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card IN POSSESSION AT THE TIME OF TRXNS. PIN MEMORIZED. Disputed card ending 9830 is closed.
Case Decision: CB Won, Acquirer Response Timeframe Expired. Error Found.	
VROL CASE NUMBER: 2298907043
Overall Investigation:
Balance exhausted.
No fraud alerts.
No PII changes captured within UT timeline. No signs of ATO.
Disputed trxn has Entry Mode 10 credential on file.
Disputed merchant transaction recurring flag shows as YES as per RTA.
Funding event was captured within the UT timeline.
However,
No previous transactions with the disputed merchant. Disputed merchant is abnormal to the CH. No spending pattern observed.
MCO performed, a representative named Meg cannot find information that matches the CH records on file.
Presence of Galileo, RTA, and Penny deny/ response code 51, 54 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 9830. NO freezing, unfreezing of the disputed card within the UT timeline. As per RTA: AVS RESULT N. As per VISA: VISA: AVS Result:	N	No: Neither address nor ZIP matches.
No enough evidence to deny the claim. CB Won, Acquirer Response Timeframe Expired. Error Found.	
Sent final letter with ZD Ticket #61331263. CASE CLOSED.
🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀
UT TIMELINE: 2022-12-11 TO 2022-12-16


Dispute ID xxxx. DND xxxx. CH claimed (x) unauthorized transaction from (x) amounting to xxxx. Reg Z. No claim cancellation. No merchant credit.  VROL xxxx.