Dispute ID: 5220202-1. DND: 2022-10-04. CH is disputing 1 UT card absent with CB rights transaction amounting to $1.00 from Documentsprepprofess. No claim cancellation. No merchant credit as of this date. Reg E claim. Old account. Card ending 6771 is closed. Card status is in possession. Pin is in a notebook. 
UT TIMELINE:2022-10-01 to 2022-10-06
INVESTIGATION FOUND:
No funding event captured before the authorization of the disputed transaction.
No freezing, unfreezing of the disputed card within UT timeline.
Deny code 59 was captured with the disputed merchant.
Unable to validate information through MCO, disputed merchant number on file cannot be reached.
RTA response code with the disputed merchant: 59.
RTA: AVS RESULT Z
RTA: AVS Result:	Z	ZIP matches, address does not
Claim below CB threshold. Therefore, error found.
Sent ZD#. Filed FR ROL Case #.
Case closed

DeNIAL:
Balance almost exhausted after the authorization of the disputed transaction.
With transaction history from Documentsprepprofess.
No fraud alerts.
No PII changes captured within UT timeline.
No signs of ATO.