Dispute ID: 5737591. CH disputing 1 Debit Unauthorized Transaction from Albert Genius for $96.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny, card in possession at time of transactions. Pin memorized. Disputed card ending 3818 is closed. Case Decision: DENIED . VROL Case #:2294177567.
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Overall Investigation: 
With funding event via Visa Money Transfer amounting to $132.64 observed on 2022-12-07 19:57:17 before the authorization of the disputed transaction from Albert Genius, Covina, CAUS on 2022-12-09 03:13:40. CH has a Spotme limit of  $30.00 which enabled the transaction to go through authorization even though the account balance is less than the disputed amount. Balance exhausted.
Disputed merchant has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Presence of deny code 51 was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny. 
Disputed merchant is abnormal to the CH.
No fraud alert/indication.
RTA: AVS RESULT Z
VISA: AVS Result:	Z	ZIP matches: address does not
PII change of address was captured within the UT timeline. 
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 59065884. CASE CLOSED .

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE:2022-12-07 to 2022-12-11
TRNX TYPE: 
Moto 7 Entry Mode 10