DISPUTE ID 5806390. CH disputing 1Debit UT amounting $40.00 with P15 Tx Verify	. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card STOLEN. PIN memorized. Disputed card ending 5026 is closed. Case decision: Approved. VROL Case #: 2298256578     
OVERALL INVESTIGATION:
Continous funding was observed within the UT timeline while the CH claims that the card was stolen. No fraud alerts. No PII changes. No signs of ATO.
Funding was observed on 2022-12-15 18:29:57 via  Visa Money Transfer amounting to $14.74 two days before the authorization of the disputed transaction however prior to the funding the account balance is high which suggest that this is not anticipated. After the authorization the account balance is still high. Disputed merchant is abnormal to the CH. Presence of deny/ response code 46,78 was captured within the UT timeline on the disputed card as per Galileo and RTA, Penny. 
No fraud alerts. 
RTA: AVS RESULTN
VISA: AVS Result:	N	No: Neither address nor ZIP matches
Freezing, unfreezing of the disputed card within the UT timeline WAS CAPTURED.
Merchant is on the DNC list, unable to validate information through MCO. Not enough evidence to deny the claim.  No CB rights. No recovery options. Therefore, error found. Final letter ZD Ticket number 59474292. Case closed.




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UT TIMELINE: 2022-12-15 TO 2022-12-20
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