Dispute ID: 5870996/ 5870996-1. CH disputing 3 Debit Unauthorized Transaction MULTIPLE MERCHANTS for $128.06. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card STOLEN and PIN stated as "In my notes in my phone". Disputed card ending 2474 is closed. 
Case Decision: DENY
VROL Case #: 2303149700, 2303149701, 2303149702   
Overall Investigation:
With history from Doordash, IBI*SHOEDAZZLE. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction.                                                                                                         
Pattern  of Funding event observed one of which is on 2022-12-24 23:38:03	before the authorization of the disputed transaction from  DD *DOORDASH ROYALGRIL, SAN FRANCISCO, CAUS on 2022-12-24 23:38:57.
CH has a Spotme limit of $165.00 which enabled the transaction to go through.
Cash-in cash-out was captured within the UT timeline.
Balance exhausted after the authorization of the last disputed transaction.
Disputed merchant BI*SHOEDAZZLE is normal to the CH. With prior history. Spending amount is abnormal. 
Disputed merchant Doordash is normal to the CH. With prior history. Spending amount is abnormal. 
Disputed merchant LOUD HEADZ HOOKAH is normal to the CH. With prior history. Spending pattern and amount is normal. 
No fraud alert/indication.
Galileo, RTA, and Penny deny/ response code 46, 78, 51 was captured within the UT timeline on the disputed card.
RTA:
AVS RESULTZ
AVS RESULTY
AVS RESULTB
VISA:
AVS Result:	Z	ZIP matches, address does not 
AVS Result:	Y	Exact: Address and ZIP match
AVS Result:		Address verification is not applicable
No PII changes captured within UT timeline. No signs of ATO.
Freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH is in control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter ZD Ticket Number 60024030,60024047. PVC SCHEDULED for reversal on 2023-01-09. CASE CLOSED.
                                                                                                    
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UT TIMELINE: 2022-12-22 TO 2022-12-29
TRXN TYPE: 
Moto 7 Entry Mode 10
Moto 1 Entry Mode 10
Moto Blank Entry Mode 07
FR: 1