***ERRATUM***Dispute ID: 5860719/ 5860719-1. CH disputing 4 Debit Unauthorized Transaction from MULTIPLE MERCHANTS amounting to $104.04. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at time of purchase. PIN memorized. Disputed card ending 3674 is closed. 
Case Decision: DENY
VROL Case #: 2303050807,2303050933, 2303050934, 2303050945 
Overall Investigation: 
Two funding event via Friend Transfer observed on  2022-12-22 10:20:17 and on 2022-12-22 08:29:56 before the authorization of the disputed transaction from JD 1141, ATLANTA, GAUS on 2022-12-22 12:01:29. Prior to this funding the account balance is almost exhausted which suggest that CH is anticipating the disputed transactions and thus funded the account accordingly. Balance exhausted after the authorization of the last disputed transaction.
Continuous funding was captured within the UT timeline.
The disputed transaction from JD 1141, ATLANTA, GAUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. No PII changes captured within UT timeline. No signs of ATO.
With history from DOORDASH and UBER. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.           
Disputed merchant DOORDASH and Uber Pass 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.   
Disputed merchant KFC G135117, ATLANTA, GAUS is normal to the CH. Spending amount is normal. 
Disputed merchant DOORDASH is normal to the CH. Spending pattern is observed and amount is normal.
Disputed merchant UBER is normal to the CH. Spending amount is normal.
Disputed merchant JD is abnormal to the CH. No prior history.
No fraud alert/indication.
Galileo, RTA, Penny deny/ response code 46,51 was captured within the UT timeline on the disputed card
RTA: 
AVS RESULTB
AVS RESULTZ
AVS RESULTB
AVS RESULTZ
VISA: 
AVS Result:		Address verification is not applicable
AVS Result:	Z	ZIP matches, address does not
AVS Result:		Address verification is not applicable
AVS Result:	Z	ZIP matches, address does not
There is enough evidence to deny the claim. Final resolution, no error found. 
Final letter ZD Ticket Number 60013469, 60014057. PVC scheduled for reversal on 2023-01-09. CASE CLOSED.
                                                                                                    




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UT TIMELINE: 2022-12-20 TO 2022-12-28
TRXN TYPE: 
Moto Blank Entry Mode 05
Moto 2 Entry Mode 10
Moto Blank Entry Mode 05
Moto 2 Entry Mode 10