Dispute ID:5431153. CH disputing 2 Debit Unauthorized Transaction from Amazon for $30.28. Reg E. Old account. No merchant credit found relating to the dispute. No claim cancellation. As per Penny card in possession at the time of purchase. PIN memorized. Disputed card ending 8149 is closed. Case Decision: Denied. VROL Case #: 2276965942. 
No funding event prior to the disputed transaction. However, member has multiple previous transaction/history from Amazon that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting month of November 2020 up until October 2022 transaction showing that CH is doing business with the disputed merchant.Spending pattern was observed and spending amount was not abnormal.
No Galileo deny code captured within the UT timeline relating to the disputed card and the disputed merchant.
No fraud alert/indication.
RTA response code 43 with the disputed merchant.
RTA: AVS RESULT Y
VISA: AVS Result:	Y	Exact: Address and ZIP match
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #57154855. PVC scheduled for reversal on 022-11-15.Case closed.
🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE:2022-10-25 to 2022-
TRXN TYPE: 
Moto 7 Entry mode 1
Moto 2 Entry mode 1