Dispute ID: 5447856. CH disputing 1 Debit Unauthorized Transaction from Monat Global Corp for $181.28. Dispute Notification Date: 2022-11-03. Reg E. Old account. No merchant credit related to the disputes. No claim cancellation. As per Penny, card stolen. Pin stated as "Finance book". Disputed card ending 9778 is closed. Case Decision: Denied. VROL Case #:2275402387. 
Overall Investigation: 
With funding event observed from  Card to Card amounting to $200.00 on 2022-10-30 18:28:55 before the authorization of the disputed transaction from MONAT GLOBAL CORP, DORAL, FLUS on 2022-10-30 18:41:12.
Cash in cash out was observed within the UT timeline.
Disputed merchant has Entry Mode 10 credential on file which suggest CH did authorized merchant to have access to his/her card details.
Galileo deny code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9778.
No fraud alerts.
RTA response code 85 was captured with the disputed merchant.
RTA: AVS RESULT N
VISA: AVS Result:	N	No: Neither address nor ZIP matches
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 #56971101. Case closed.
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FR: 5
UT TIMELINE: 2022-10-28 to 2022-11-02
TRXN TYPE: Moto 7 Entry Mode 10