Dispute ID: 5687679. CH disputing 1 Debit Unauthorized Transaction from Txtvrfy  for $40.00. Reg E. No merchant credit related to the dispute. No claim cancellation. As per Penny card in possession at time of purchase. PIN memorized. Disputed card ending 4863 is closed. Case Decision: DENIED. VROL Case Number: 2291205303.
Overall Investigation:
With funding event via POSCash Swipe Reload/ Green Dot Load amounting to $200.00 observed on 2022-12-02 13:24:04 before the authorization of the disputed transaction from  TXTVRFY, +13074292443, WYUS on 2022-12-02 14:29:36. Balance exhausted.
Cash in cash out was captured after the authorization of the disputed transaction.
Galileo deny code 46,78,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4863.
Galileo deny code 51 was captured with the disputed merchant.
Disputed merchant is abnormal to the CH.
No fraud alert/indication.
RTA/ Penny response code 46,78,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4863.
RTA/ Penny response code 51 was captured with the disputed merchant.
RTA: AVS RESULT N
VISA: AVS Result:	N	No: Neither address nor ZIP matches
No PII changes captured within UT timeline. no signs of ATO.
There is freezing, unfreezing of the disputed card within the Ut timeline suggesting that CH has control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent final letter ZD Ticket Number 58724857. CASE CLOSED.


🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-30 to 2022-12-05
TRXN TYPE: Moto 5 Entry Mode 1