Dispute ID: 5635067.  REG E claim. CH is disputing 1 Debit UT from Walmart amounting to $217.29. As per Penny, card in possession at the time of purchase. PIN stated as "Logged in my phone". No merchant credit found relating to the dispute. No claim cancellation. Disputed card ending in 5246 is closed. Case Decision: DENIED . VROL Case Number 2287539304. 
OVERALL INVESTIGATION:
With funding event observed via  Card to Card amounting to $300.00 on 2022-11-16 06:38:22 before the authorization of the disputed transaction from WALMART.COM 8009666546, BENTONVILLE, ARUS on 2022-11-16 19:53:13.
Low ending balance after the authorization of the disputed transaction.
Cash in cash out was captured within the UT timeline an indication that CH is aware of the account's balance.
Galileo deny code 78 was captured within the UT timeline but not related with the disputed merchant however, they are on the disputed card ending 5246.
With history from Walmart, hence this is normal to the CH.
No fraud alert/indication.
RTA response code 85 was captured with the disputed merchant within the UT timeline.
RTA response code 85,78, was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 5246.
RTA response code 78, was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 5246.
No Penny response code with the disputed merchant.
RTA: AVS RESULT Z
VISA: AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline.
There is freezing, unfreezing of the disputed card within the UT timeline suggesting that CH has control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #58303291. Case closed.



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UT TIMELINE: 2022-11-14 to 2022-11-20
TRXN TYPE: Moto 7 Entry Mode 1