Dispute ID: 5987037. CH disputing 2 Debit Unauthorized Transaction from Wss & ATM Withdrawal for $335.58. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen. PIN compromised. Disputed card ending 2335 is closed. 
TRXN TYPE: 
Moto Blank Entry Mode 05
Case Decision: DENY
VROL Case #:  2307711187,2307711201 
Overall Investigation:
With funding event observed on 2023-01-07 14:28:11	before the authorization of the disputed transaction from WSS 126, LAWNDALE, CAUS on 2023-01-07 14:30:35.
With history from WSS 126, LAWNDALE, CAUS. Disputed merchant is normal, no spending pattern observed.
With Continuous Funding event after the Authorization when the casrd said to be sotlen. 
Cash in cash out observed after the auth of  the last disputed transaction when the card said to be stolen, 
The disputed card present EMV transaction is within the vicinity with the member's address on the account.
As per RTA and Galileo, Response code/Declined code 51 was captured within UT timeline with the same card number.                                                                                                                                   
Low ending balance after the auth of the last disputed transaction.
Disputed merchant 2040 ROSECRANS AVE, GARDENA, CAUS is abnormal to the CH. No spending pattern observed.
As per RTA:
AVS RESULT B
As per VISA:
AVS Result: Address verification not applicable
No PII changes captured within UT timeline. No signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.
No fraud alerts.
There is enough evidence to deny the claim. Final resolution, no error found.
ZD Ticket Number 60568416. CASE CLOSED.



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UT TIMELINE:2023-01-05 to 2023-01-10
TRXN TYPE: