Dispute ID: 5860576. PTF Claim. CH disputing 4 Debit Unauthorized Transaction from Disney Plus amounting to $28.96. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card and PIN not specified. Disputed card ending 9954 is closed. 
Case Decision: DENY
VROL Case #: 
Overall Investigation: 
With funding event via Card to Card  amounting to $100.00 observed on 2022-10-17 17:25:52 before the authorization of the disputed transaction from  Disney Plus, Burbank, CAUS on 2022-10-17 19:18:02.
There is a DD observed within the UT timeline.
Continuous funding within the UT timeline was observed.
Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable.
Disputed merchant is abnormal, no prior history.
Galileo, RTA, Penny deny/ response code 51,54 was captured within the UT timeline on the disputed card.
RTA, Penny response code 85,10, N7 was captured within the UT timeline on the disputed card.
No fraud alerts,
RTA: AVS RESULT B/N
VISA: AVS Result:	U	Unavailable: Address not verified for domestic transaction/ AVS Result:	N	No: Neither address nor ZIP matches
No PII changes within the UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent FINAL LETTER ZD Ticket Number. CASE CLOSED


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UT TIMELINE: 2022-09-15 to 2022-12-20
TRXN TYPE: 
Moto 2  Entry Mode 10