Dispute ID: 5870636. CH disputing 2 Debit Unauthorized Transaction from 	Hair Boss and  China Buffet for $166.52. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card STOLEN and PIN memorized. Disputed card ending 8344 is closed. 
Case Decision: DENY
VROL Case #: 2301345208, 2301340986  
Overall Investigation:
Disputed transaction from HAIR BOSS, COLUMBIA, SCUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute.
Funding event was captured within the UT timeline.
Low ending balance after the authorization of the last disputed transaction.
With valid undisputed EMV initiated transaction from KJ'S MARKET IGA-WINNSB, WINNSBORO, SCUS on 2022-12-18 09:52:44 amounting to $10.89.
The disputed card present EMV transaction is within the vicinity with the member's address on the account.                                                                                                                                   
Continuous funding event was captured within the UT timeline while the card was said to be stolen.
Galileo, RTA deny/ response code 51 was captured within the UT timeline on the disputed card.
No fraud alert/indication.
Disputed merchants are abnormal to the CH. No prior history.
RTA: AVS RESULTB, AVS RESULTB
VISA: AVS Result:		Address verification is not applicable
No PII changes captured within UT timeline. 
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 59817806. CASE CLOSED


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