Dispute ID: 5936272/ 5936272-1. CH disputing 3 Online & Contactless Debit Unauthorized Transactions from multiple merchants for $231.50. Reg E. No merchant credit found relating to the dispute. No claim cancellation. As per Penny card not in possession at the time of the transaction. PIN memorized. Disputed card ending 7887 is closed. 
Case Decision: APPROVED
VROL Case #: 2306376910 
Overall Investigation:
Funding event observed within the UT timeline.
High ending balance after the authorization of the disputed transaction.
Disputed merchant is abnormal to the CH. No prior history.
Galileo deny code 46,51, was captured within the UT timeline on the disputed card.
RTA response code 85,46,51, was captured within the UT timeline  on the disputed card.
Penny response code 46,51, was captured within the UT timeline  on the disputed card.
No fraud alerts.
As per RTA, AVS RESULT B
As per VISA, AVS Result:Address verification not applicable
PII change of address was captured within the UT timeline. No signs of ATO
There is freezing of the disputed card within the UT timeline.
MCO initiated, no answer. Stayed on the line for more than 3mins. unable to validate information.
No enough evidence to deny the claim. Claim has no CB rights. Therefore, error found. Final letter ZD Ticket Number 60416748. CASE CLOSED. 

                                                                                                                     
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UT TIMELINE: 2022-12-30 to 2023- 01-04
TRXN TYPE:
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