Dispute ID: 5295210. DND: 2022-10-13. REG E claim. CH is disputing 1 UT from Wm Supercenter amounting to $466.74. As per Penny, card not in possession at the time of transaction. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 2759 is closed.
INVESTIGATION FOUND: 
UT timeline: 
2022-10-10 to 2022-10-15
TRXN Type:
STAR 
With two funding event observed from Visa Money Transfer amounting to $456.86 on 2022-10-12 08:06:42  and on 2022-10-12 07:56:54 amounting to $15.96 before the authorization of the disputed transaction from WM SUPERCENTER on 2022-10-12 08:09:39.
Balance almost exhausted after the authorization of the disputed transaction.
In Galileo, deny code 41, 51 was captured within the UT timeline but not related on the disputed merchant, however, they are on the same disputed card ending 2759.
With transaction history from WM SUPERCENTER.
The disputed card present EMV transaction is within the vicinity with the member's address on the account, approximate time 9mins.
No fraud alert.
RTA response code 41 and 51 was captured within the UT timeline but not related on the disputed merchant, however, they are on the same disputed card ending 2759.
RTA: AVS RESULT B
With PII change of address captured within UT timeline.
With freezing activity of the disputed card within UT timeline.
There is enough evidence to deny the claim. Final resolution, NO ERROR FOUND.
Sent ZD #55822711. Unable to file FR for STAR transaction, no STAR access.
Case closed.