Dispute ID: 5871092. CH disputing 2 Debit Unauthorized Transaction from 	Cc Bill Com Only Fan for $31.61. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the transaction and PIN memorized. Disputed card ending 8961 is closed. 
#FORCE_POST original auth was on 2022-12-19 21:03:34 and 2022-12-19 23:31:06.
Case Decision: DENY
VROL Case #: 2301354409,2301354410  
Overall Investigation:
With funding event observed on 2022-12-19 21:03:17	before the authorization of the disputed transaction from  CCBill.com *OnlyFans, Fort Lauderda, FLUS on 2022-12-19 21:03:34.
With funding event observed on 2022-12-19 23:30:26	before the authorization of the disputed transaction from CCBill.com *OnlyFans, Fort Lauderda, FLUS on 2022-12-19 23:31:06.
Balance exhausted.
Continous funding event was captured within the UT timeline.
Cash-in cash-out event was captured within the UT timeline.
Galileo, Penny deny/ response code 46, 51, 59 was captured within the UT timeline on the disputed card.
RTA response code 85, 46, 51, 59 was captured within the UT timeline on the disputed card.
Disputed merchant is normal to the CH. Spending pattern is observed.
With fraud alerts.
RTA: AVS RESULT Y
VISA: AVS Result:	Y	Exact: Address and ZIP match
Disputed merchant transaction 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.
Entry mode 10 shows Merchant has initiated the transaction with credentials stored on file.
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 59820538. CASE CLOSED.




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Moto 7 Entry Mode 10
Moto 2 Entry Mode 10
FR: