Dispute ID: 5909913. CH disputing 1 Debit Unauthorized Transaction from Allegnt Air K 9 J for $286.24. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny in possession at the time of the transaction and PIN Memorize. Disputed card ending 2523 is closed. 
Case Decision: 
VROL Case #: DENY
Overall Investigation: 2303305549 
With two funding event Card to Card amounting to $201.00 observed on 2022-12-15 17:20:19 and via Incomm API Load amounting to $100.00 observed on 2022-12-15 17:02:29 before the authorization of the disputed transaction from ALLEGNT AIR, LLC, 702-5058888, NVUS on 2022-12-15 17:24:01. Prior to this funding the account balance is almost exhausted which suggest that CH is anticipating this transaction and funded the account accordingly. Low ending balance after the authorization of the disputed transaction. There is freezing, unfreezing of the disputed card within the UT timeline suggesting that CH is in control of the account.
Continuous funding was captured within the UT timeline.
Galileo, RTA, and Penny deny/ response code 55 was captured within the UT timeline on the disputed card.
RTA response code 85  was captured within the UT timeline on the disputed card.
No fraud alert/indication.
Disputed merchant is abnormal to the CH. No prior history.
RTA: AVS RESULTY
VISA: AVS Result:	Y	Exact: Address and ZIP match
No PII changes captured within UT timeline. 
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 60044468.  CASE CLOSED.
                                                                                                  
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UT TIMELINE: 2022-12-13 to 2022-12-19
TRXN TYPE: