Dispute ID: 5035063. DND 2022-09-06. CH disputed 2 Unauthorized transactions. No claim cancellation received. No merchant credit found as of this date. Reg E. Card is closed. Investigation: Disputed transaction was processed through online with CB rights. Freezing/unfreezing of card was observed within the disputed timeline, an indication that the card holder is in control of the card's activity. Balance was exhausted after the last disputed transaction. There are no PII changes within the disputed timeframe. Disputed transaction has entry mode 10, credential on file however response code 85 was captured from the same disputed merchant prior the authorization of the disputed transaction. With manual account funding prior the authorization of the disputed transactions but no manual account funding after the settlement of the last disputed transaction. No previous history from the same disputed merchant. No spending pattern observed. Deny code 51 and 43 was found from the same merchant within the disputed timeline. Deny codes 57 and 59 was found within the disputed timeline.  An indication of fraud alert in the system was found during the disputed timeframe using the same card. As per RTA, AVS result is B, an indication that the address matched but zip code is not verified. Unable to contact merchant due to no US phone number. As per RTA, Recurring flag is no and it an international country. Unable to validate transaction through OBC. Filed CB with VROL #2263574401. Case ongoing.