Dispute ID: 5904291. CH disputing 1 Debit Unauthorized Transaction from 	Hotwire Sales Final amounting to $94.61. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card status not specified and PIN memorized. Disputed card ending 2498 is closed. 
Case Decision: DENY
VROL Case #: 2304097037 
Overall Investigation: 
With funding event VIA Visa Money Transfer amounting to $196.50 observed on 2022-12-28 17:04:15	before the authorization of the disputed transaction from HOTWIRE-SALES FINAL on 2022-12-28 17:46:58. Prior to the funding the account balance is exhausted which suggests that CH is aware of the disputed transactions and thus funded the account accordingly. PII change of phone was captured within the UT timeline. 
Freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH is in control of the account. 
Low ending balance after the authorization of the disputed transaction.
Series of funding event was captured within the UT timeline.
Galileo, Penny deny/ response code 46, 51, 55, was captured within the UT timeline on the disputed card.
RTA response code 85 46, 51, 55, was captured within the UT timeline on the disputed card.
Disputed merchant is abnormal. No spending pattern. No prior history.
No fraud alert/indication.
RTA: AVS RESULT Y
VISA: AVS Result:	Y	Exact: Address and ZIP match
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 60169688. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-12-26 to 2023-01-01
TRXN TYPE:
Moto 7 Entry Mode 01
FR 5