DISPUTE ID 5257189. CH disputing 1 Debit UT amounting $199.88 with Ket0 F1. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card in possession at time of purchase. PIN stated as "Phone". Disputed card ending 7549 is closed. Case decision: Denied. VROL Case #: 2278237979,2278235969.  
OVERALL INVESTIGATION:		
With funding event observed from Card to Card amounting to $60.00 on 2022-11-04 17:34:17 before the authorization of the disputed transaction from Microsoft*Subscription, 425-6816830, WAUS on 2022-11-04 23:24:04.
Balance exhausted after the authorization of the last disputed transaction.
Cash in cash out was captured within the UT timeline.
Galileo deny code 59 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7549.
With history from Microsoft. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction.                                                                                                    
Disputed merchant Microsoft recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it.
The disputed card present transaction is within the vicinity with the member's address on the account.
NO RTA response code with the disputed merchant Microsoft under the disputed card.
NO RTA response code with the disputed merchant 1915 .
 RTA:
AVS RESULT N
AVS RESULT B
VISA:
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:		Address verification is not applicable
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #57285403, 57285424. PVC scheduled for reversal on  2022-11-17. Case closed.

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UT TIMELINE: 2022-11-02 to 2022-11-09
TRXN TYPE:		
Moto 2 Entry Mode 10
Moto Blank Entry Mode 05