Dispute ID: 5945238. CH disputing 1 Debit Unauthorized Transaction from P26 Tx Verify	for $40.00. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card  in possession at the time of the purchase. PIN stated as "None". Disputed card ending 1420 is closed. Case Decision: APPROVE
VROL Case #: 2305162737 
Overall Investigation: 
Balance exhausted.
No suspicious declined/ response codes within UT timeline on the disputed card as per Galileo, RTA and Penny.
No PII changes captured within UT timeline. No signs of ATO.
There is freezing of the disputed card within the UT timeline.
No fraud alert/indication.
However,
No funding event prior to the authorization of the disputed transaction.
Disputed merchant is abnormal to the CH. No prior history.
RTA:
AVS RESULT N
VISA:
AVS Result:	N	No: Neither address nor ZIP matches
Merchant is on the DNC list, unable to validate CH information.
No enough evidence to deny the claim. Claim has no CB rights. Final resolution, error found. ZD Ticket Number 60285238.  CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-12-31 to 2023-01-05
 TRXN TYPE: Moto 5 Entry Mode 1
 FR 5