Dispute ID: 5927351. CH disputing 1 Debit Unauthorized Transaction from P 00 Tx Verify amounting to $40.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny and PIN status not specified. Disputed card ending 0714 is closed. 
Case Decision: Approved
VROL Case #: 2304071942 
Overall Investigation: 
No fraud alert/indication.
No suspicious declined/ response codes within UT timeline as per Galileo,RTA, and Penny.
No PII changes captured within UT timeline. No signs of ATO.
Cash in cash out and funding was observed within the UT timeline.
However,
Funding event was captured before the authorization of the disputed transaction however, not directly impacting the disputed transaction since prior to the funding the account balance is high ending amount. After the authorization the account balance is high.
Disputed merchant is abnormal to the CH. No prior history. No spending pattern. 
RTA:
AVS RESULT N
VISA:
AVS Result:	N	No: Neither address nor ZIP matches
Unable to initiate MCO. Merchant is on the approved DNC list.
No freezing, unfreezing of the disputed card within the UT timeline.
No enough evidence to deny the claim. Claim no CB rights. Therefore, error found.
Final letter sent ZD Ticket 60165773. CASE CLOSED.


🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-12-21 to 2022-12-26
TRXN TYPE:
Moto 5 Entry Mode 01