***ERRATUM***Dispute ID: 5871831. DND 2022-12-26. CH disputing 27 Debit Unauthorized Transaction from multiple merchants for $188.66. Reg E. Disputed transactions are combination of:
Moto 7 Entry Mode 10
Moto 2 Entry Mode 10
Moto 7 Entry Mode 1
No merchant credit found relating to the disputes as per Galileo and Admin. No claim cancellation. As per Penny card not in  possession at the time of the transaction. PIN memorized. Disputed card ending 1236 is closed.
CASE DECISION: Pre - Arb Won, Acquirer Response Timeframe Expired. VROL 2305808753. Error Found.	CB Won, Acquirer Response Timeframe Expired. VROL 2305810533.  Error Found.	
VROL CASE NO.: 2305808753,2305810533,5232318473,5232318476,5232318956,5232318957,5232318964,5232320389,5232320391,5232320392,5232320395,5232323319,5232323320,5232323321,5232323323,5232323329,5232324792,5232324795,5232324796,5232326693,5232326694,5232326695,5232326701,5232327588,5232327592,5232329508,5232329509
Overall Investigation:
With history from Apple. Disputed transaction has entry mode 10 credential on file. Disputed merchant is normal to the CH. Spending amount is normal. No spending pattern observe. Merchant is normal to the CH.
Funding events was captured within the UT timeline but not directly impacting the disputed transactions..
Disputed merchant transaction from APPLE.COM/BILL, EMPOWER ADVANCE, CLEO AI  recurring flag shows as yes.
Balance exhausted after the authorization of the disputed transaction.
However,
With fraud alert.
Galileo deny code 51 was captured with the disputed merchant Apple, Empower, Cleo AI, & Brigit.
RTA response code 85 was captured with the disputed merchant Apple, CLEO AI, EMPOWER,.
RTA response code 51 was captured with the disputed merchant Brigit,CLEO AI,EMPOWER ADVANCE, Cleo .
Penny response code 51 was captured with the disputed merchant Apple,Brigit,Cleo Ai,	Cleo,Empower Advance.
Disputed merchant Brigit, Cleo Ai, Cleo, EMPOWER  is abnormal to the CH. No prior history. No spending pattern observed.
There is  succeeding transaction with the disputed merchant Cleo, & EMPOWER.
As per RTA:AVS RESULT Y and Z
As per VISA: VISA:AVS Result:	Y	Exact: Address and ZIP match and AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline. No signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.. 
MCO initiated but unable to validate information since merchant is requiring that the CH must personally call them. Disputed merchant Apple is on the DNC list.
No enough evidence to deny the claim. Pre - Arb Won, Acquirer Response Timeframe Expired. VROL 2305808753. Error Found.	CB Won, Acquirer Response Timeframe Expired. VROL 2305810533.  Error Found.	
Sent final letter with ZD Ticket Number 62159473. CASE CLOSED.
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UT TIMELINE: 2022-10-11 to 2022-12-18

***ERRATUM***Dispute ID: 5871831. CH disputing 27 Debit Unauthorized Transaction from multiple merchants for $188.66. Reg E. No merchant credit found relating to the disputes as per Galileo and Admin. No claim cancellation. As per Penny card not in  possession at the time of the transaction. PIN memorized. Disputed card ending 1236 is closed.
CASE DECISION: PRE-ARB INITIATED FOR VROL 2305808753, merchant provided name and email address, only the name matches the member's records on file. Not compelling evidence.
VROL #: 2305810533
Overall Investigation:
With history from Apple. Disputed transaction has entry mode 10 credential on file. Disputed merchant is normal to the CH. Spending amount is normal.
Funding events was captured within the UT timeline.
Cash-in cash-out was captured within the UT timeline.
Presence of DD was captured within the UT timeline.
Disputed merchant transaction from APPLE.COM/BILL, EMPOWER ADVANCE, CLEO AI  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.
Balance exhausted after the authorization of the disputed transaction.
With fraud alert.
Galileo deny code 51, 59, 57 was captured within the UT timeline on the disputed card.
RTA response code 85,10  was captured within the UT timeline on the disputed card.
Penny response code 51,59,57,10 was captured within the UT timeline on the disputed card.
Disputed merchant Brigit, Cleo Ai, Cleo, EMPOWER  is abnormal to the CH. No prior history.
RTA:
AVS RESULT Y and Z
VISA:AVS Result:	Y	Exact: Address and ZIP match and AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline. No signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.. 
MCO initiated but unable to validate information since merchant is requiring that the CH must personally call them. Disputed merchant Apple is on the DNC list.
No enough evidence to deny the claim. Proceed to chargeback.
Sent ZD Ticket Number 59901806 for the PVC issued. CASE ONGOING.