Dispute ID: 5547749/ 5547749-1. REG E claim. CH is disputing 2 UT from Albert Instant and Apple Cash amounting to $91.99. As per Penny, card in possession at the time of purchase. PIN stated as "Phone". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 1291 is closed. Case Decision: Denied . VROL Case No. 2284325873,2284340254: 
OVERALL INVESTIGATION: 
With funding event observed from ard to Card amounting to $20.00 on 2022-11-11 19:53:55 before the authorization of the disputed transaction from APPLE CASH, CUPERTINO, CAUS on 2022-11-11 19:54:26. CH has a Spotme limit of  $100.00 which enabled the transaction to go through.
Cash in cash out was observed within the UT timeline.
Galileo deny code 46,78 was captured within UT timeline but not related to the disputed transactions however, they are on the disputed card ending 1291.
No RTA response code was captured with the disputed merchant Albert Instant.
RTA response code 78 was captured with the disputed merchant APPLE CASH.
RTA response code 57,85,78, 46, was captured within UT timeline but not related to the disputed transactions however, they are on the disputed card ending 1291.
Penny response code 46,57,78, was captured within UT timeline but not related to the disputed transactions however, they are on the disputed card ending 1291.
No Penny response code with the disputed merchant Albert Instant 
Penny response code 78 was captured with the disputed merchant APPLE CASH.
Disputed merchant Albert Instant has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Member has no prior transaction with the disputed merchant Apple Cash and 	Albert Instant, this is abnormal to the CH.
No fraud alerts.
RTA:
AVS RESULTN
AVS RESULTN
VISA:
AVS Result:	N	No: neither address nor ZIP matches
AVS Result:	N	No: Neither address nor ZIP matches
PII change of address was captured within the UT timeline.
There is freezing, unfreezing of the disputed card within the UT timeline suggesting that member has full control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #57954884, 57954932. PVC scheduled for reversal on 2022-11-30. Case closed.
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UT TIMELINE: 2022-11-09 to 2022-11-19
TRXN TYPE: 
Moto 7 Entry Mode 1 Card-Absent with CB rights
Moto 1 Entry Mode 10 Card-Absent with CB rights