Dispute ID:5933225. CH disputing 4 Debit Unauthorized Transaction from MULTIPLE MERCHANTS for $77.00. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction. PIN memorized. Disputed card ending 6896 is closed. 
Case Decision: DENY
VROL Case #: 2304454035, 2304453550, 2304452564, 2304449864 
Overall Investigation:
MCO initiated for merchant CLKBANK, a representative named Earleen validated the CH's first name, last name and email address with the records on file.
Funding via Incomm API Load event was observed within the UT timeline.
Balance almost exhausted after the authorization of the last disputed transaction.
With previous transactions from CLKBANK. With spending/behavioral pattern, hence, this is normal to the CH.
Disputed merchant BAELITE.COM TYBL/RPM, CHEYENNE, GB is abnormal to the CH. No prior history.
With fraud alerts.
Galileo deny code 51,59 was captured within the UT timeline on the disputed card.
RTA response code 85, 59, 51, N7 was captured within the UT timeline on the disputed card. 
Penny response code 51, 59,  N7 was captured within the UT timeline on the disputed card. 
Disputed merchant transaction from CLKBANK*End of Trial 800-390-6035 IDUS recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable.
Disputed merchant BAELITE.COM TYBL/RPM +13073163799 GB shows in RTA as "INTERNATIONAL YES".
VISA:
AVS Result:	Z	ZIP matches, address does not, , for all disputed transactions
RTA:
AVS RESULT Z, for all disputed transactions
PII change of phone was captured within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.
 Final letter sent ZD Ticket Number 60206761. CASE CLOSED .

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UT TIMELINE: 2022-12-05 to 2022- 12-27
TRXN TYPE: 
Moto 2 Entry Mode 1
Moto 2 Entry Mode 1
Moto 7 Entry Mode 1