Dispute ID: 5635499. REG E claim. CH is disputing 5 Debit UT from multiple merchants amounting to $159.55. As per Penny, card not in possession at the time of  transaction. PIN memorized. No merchant credit found relating to the dispute. No claim cancellation. Disputed card ending in 1053 is closed. Case Decision: DENIED. VROL Case Number: 2287585324, 2287585325, 2287585326,   2287585327, 2287585328   . 
OVERALL INVESTIGATION: 
Pattern of funding event was observed two of which are via Card to Card amounting to $62.00 observed on 2022-11-10 15:59:51 and on 2022-11-10 16:00:17 amounting to $15.00 before the authorization of the disputed transaction from purchaseverify.com, 8778277638, FLUS on 2022-11-10 16:21:54. This suggests that CH is aware of the cards activity and thus funded the account accordingly. Balance exhausted after the authorization of the last disputed transaction. Galileo deny code 51 and 59 was captured within the UT timeline under the disputed card ending 1053.
Disputed merchant purchaseverify.com  has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Disputed merchants are abnormal to the CH account since it has no prior history.
No RTA/ Penny response code with the disputed merchants.
RTA response code 51, 10, 85 and 59 was captured within the UT timeline under the disputed card ending 1053.
Penny response code 51, 10, 59,  was captured within the UT timeline under the disputed card ending 1053.
RTA: 
AVS RESULT N
AVS RESULT Y
AVS RESULT Y
AVS RESULT N 
AVS RESULT Y
VISA:
 AVS Result:	N	No: neither address nor ZIP matches
AVS Result:	Y	Exact: Address and ZIP match
AVS Result:	Y	Exact: Address and ZIP match
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	Y	Exact: Address and ZIP match
PII change of address was captured within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #58308304. Case closed.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-08 to 2022-11-30
 TRXN TYPE:
 Moto 7 Entry Mode 10
Moto 7 Entry Mode 1
Moto 7 Entry Mode 1
Moto 7 Entry Mode 1
Moto 7 Entry Mode 1
Purchaseverify Com
Dependapp
Define Api
Active Now
Movementwr