Dispute ID: 5440200. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $32.76. Dispute Notification Date: 2022-11-02. Reg E. Old account. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card status not specified. PIN memorized. Disputed card ending 2231 is closed. Case Decision: Denied. VROL Case #: 2274793777,2274799056,2274800544,2274798157 . 
With ZD #56895509 for PVC issued.
Overall Investigation: 
With multiple previous transaction history from UBER that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting month of December 2018 up until  October 2022 transaction showing that CH is doing business with the disputed merchant. Spending pattern was observed.
With multiple previous transaction history from Doordash that is undisputed showing that CH had already agreed with the terms and conditions from disputed merchant before. Moreover, CH is not new to transact with this kind of merchant. It was observed that CH has pattern of history from the said merchant starting month of May2018 up until  October 2022 transaction showing that CH is doing business with the disputed merchant. Spending pattern was observed.
Disputed transaction from UBER and Doordash has entry mode 10 credential on file.                                                                                                           
Balance exhausted after the authorization of the disputed transaction from UBR* PENDING.UBER.COM, SAN FRANCISCO, CAUS.
Galileo deny code 59,43, 46, was captured within the UT timeline but not related with the disputed emrchant however, they are on the disputed card ending 2231.
Galileo deny code 46 was captured with the disputed merchant DOORDASH, UBER.
No fraud alert.
No RTA response code with the disputed merchant DD *DOORDASH MCDONALDS. 
RTA response code 85 was captured with the disputed merchant UBER .
RTA response code 43,85,59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2231.
RTA: 
AVS RESULT Z
AVS RESULT Z
AVS RESULT Z
AVS RESULT Z
VISA:
AVS Result:	Z	ZIP matches, address does not
AVS Result:		Not applicable
AVS Result:	Z	ZIP matches, address does not
AVS Result:		Not applicable
No PII changes captured within UT timeline. No signs of ATO.
There is freezing of the disputed card within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found. 
Sent ZD #56905517. PVC scheduled for reversal on 2022-11-09. Case closed.


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UT TIMELINE: 2022-10-28 to 2022-11-03
TRXN TYPE: 
Moto 7 Entry Mode 10