Dispute ID: 5484888. CH disputing 3 Debit Unauthorized Transaction from multiple merchants for $65.06. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card not in possession at the time of transactions. PIN memorized. Disputed card ending 4292 is closed. Case Decision: Denied. VROL Case #: 2278160936,2278168563,2278160460. 
Overall Investigation: 
With funding event from Card to Card amounting to $17.64 observed on 2022-09-27 21:30:49 before the authorization of the disputed transaction from 10307 TARA BLVD, JONESBORO, GAUS (Atm Withdrawal) on 2022-09-29 16:59:15. Member has a Spotme limit of $60 which enable the disputed transaction to go through.
Presence of funding and CNB Enid Deposit was captured within the UT timeline.
Balance exhausted after the authorization of the last disputed transaction.
Disputed transaction from 10307 TARA BLVD, JONESBORO, GAUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute.
The disputed card present transaction is within the vicinity with the member's address on the account.                                                                                                                                   
No fraud alerts.
Galileo deny code 57,51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4292.
RTA response code 57, 85, 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 4292.
VROL response code 51 was captured but not related with the disputed merchant, however, they are on the disputed card ending 4292.
No RTA response code with the disputed merchants.
RTA:
AVS RESULTB
AVS RESULTB
AVS RESULTB
VISA:
AVS Result:		Address verification not applicable
AVS Result:		Address verification is not applicable
AVS Result:		Address verification is not applicable
PII change of phone was captured within the UT timeline.
There is freezing, unfreezing of the disputed card within the UT timeline suggesting that member has control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #57280564. Case closed.
🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-09-26 to 2022-10-31
TRXN TYPE:
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