***ERRATUM***Dispute ID: 5797750/ 5797750-1. CH disputing 2 Debit Unauthorized Transaction from Peoplelooker Llc for $24.99. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card status not specified. PIN written. Disputed card ending 0883 is closed.
Case Decision: DENIED. 
VROL Case #: 2299958903, 2299962747
Overall Investigation: 
With funding event via Visa Money Transfer amounting to $10.00 observed on 2022-11-28 10:42:17 before the authorization of the disputed transaction from PEOPLELOOKER, LLC, NEW YORK, NYUS on 2022-11-28 19:38:53.
CH has a Spotme balance of $25.00 when the disputed trxn happen this indicates that the one doing the trxn is anticipating the Spotme balance and used the funding to push through the disputed trxn.
Low ending balance after the authorization of the last disputed transaction.
Cash-in cash-out  and continuos funding was captured within the UT timeline.
Disputed merchant is abnormal to the CH.
With fraud alerts.
Galileo. RTA deny/ response code 57 was captured within the UT timeline not related with the disputed merchant however they are on the disputed card ending 0883.
Galileo, RTA deny code 57,59,51 was captured with the disputed merchant.
RTA deny code 85 was captured within the UT timeline not related with the disputed merchant however they are on the disputed card ending 0883.
RTA: AVS Result:		Address verification not applicable
VISA: AVS RESULT B
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 credential on file which suggest CH did authorized merchant to have access to his/her card details.
No PII changes captured within UT timeline. No signs of ATO.
Multiple freezing, unfreezing of the disputed card within the UT timeline suggesting that CH has control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 59643132,59643195. PVC scheduled for reversal on 2023-01-03. CASE CLOSED.