Dispute ID: 5547772. REG E claim. CH is disputing 2 UT from King Luster Intentor amounting to $36.22. As per Penny, card in possession at the time of transaction. PIN stated as "yes, on his wallet and on his phone". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 9194 is closed. Case Decision: Denied. VROL Case No. .
OVERALL INVESTIGATION: 
With funding event observed from Visa Money Transfer amounting to $39.30 on 2022-09-10 21:43:25 before the authorization of the disputed transaction from King Luster intentoren, co, HK on 2022-09-10 22:08:13.
Balance almost exhausted after the authorization of the disputed transaction.
Cash in cash out was captured within the UT timeline.
CH has no prior history with the disputed merchant hence, this is abnormal to the CH.
No fraud alerts.
Galileo deny code 51,59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9194.
No Penny response codes data available.
No RTA response code with the disputed merchant.
RTA response code 51,85,59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9194.
As per RTA, disputed transaction shows INTERNATIONAL YES
RTA: AVS RESULTB
VISA: AVS Result:		Address verification is not applicable
No PII changes captured within UT timeline. No signs of ATO.
No third party access to the disputed card.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #. Case closed.

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UT timeline: 
2022-09-08 to 2022-09-14
TRXN Type:
Moto 5 Entry Mode 1 Card-Absent with CB rights.