Dispute ID: 5835527. PTF Claim. CH disputing 16 Debit Unauthorized Transaction from Microsoft for $201.63. Reg E. With two merchant credit found relating to the disputes that settled on 2022-12-17,  waiting for the other one to reflect on Galileo and Admin. No claim cancellation. As per Penny card IN POSSESSION AT THE TIME OF TRXNS. PIN MEMORIZED. Disputed card ending 1633 is closed. 
Case Decision: . VROL Case #:. 
Overall Investigation:
No fraud alerts.
DD was captured within the UT timeline.
However,
No funding event was captured prior to the authorization of the disputed transactions.
High ending balance after the authorization of the last disputed transaction.
Disputed merchant is abnormal to the CH. No prior history.
Galileo, RTA, and Penny deny/ response code 51,61 was captured within the UT timeline on the disputed card.
RTA response code 85,05 was captured within the UT timeline on the disputed card.
RTA: AVS RESULT Z
VISA: AVS Result:	Z	ZIP matches, address does not
PII change of phone was captured within the UT timeline.
No freezing, unfreezing of the disputed card within the UT timeline.
Unable to initiated MCO, merchant is on the DNC list.
There is no enough evidence to deny the claim.
CASE ONGOING
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UT TIMELINE: 2022-08-07 TO 
TRXN TYPE: