Dispute ID: 6195456. DND 2023-02-06. CH is disputing 1 Unauthorized Transaction from Madscul* for $135.23. The disputed transaction has Moto 7 Entry Mode 1 Card Not Present Debit Unauthorized Transaction. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny, card not in possession at the time of the transactions. Pin memorized. Disputed card ending 3216 is closed. 
CASE DECISION: DENY
VROL CASE #: 5232543164 
Overall Investigation: 
No history. Merchant is abnormal to the CH. No spending pattern observed.
High ending balance after the authorization.
Funding event captured prior to the authorization but not directly impacting.
With fraud alerts on the disputed card.
However,
MCO initiated and a representative named Izzy validated the member's full name, phone, email and physical address. The disputed transaction is all about an Ebook purchase made by the member.
Funding was captured after the authorization while the card was said to be stolen.
As per Galileo, RTA, & Penny no deny codes/ no response codes was captured with the disputed merchant.
As per RTA: AVS RESULT Z
As per VISA: AVS Result:	Z	ZIP matches, address does not
No PII changes, no signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found. 
Sent final letter with ZD Ticket Number 62184919. CASE CLOSED


INTERNAL NOTE: NO OPTION TO CHANGE THE DND. Sent Manual letter for the correct DND with ZD Ticket #Ticket ‭#62185414‬. 







🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2023-02-01 to 2023-02-02


IZZY
took advantage Ebook lab, monthly Ebook to save money, 
full name , phone, email, physical 

Order ID: 12318