Dispute ID: 6228114. DND 2023-02-05 via MOBILE. CH is disputing 1 Debit Unauthorized Transaction from 	Las Airport for $74.00. The disputed transaction is: Moto Blank Entry Mode 05 Card Present EMV. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny, card stolen. Pin stated as "No where". Disputed card ending 8597 is closed. 
CASE DECISION: DENY
VROL CASE #: 5232957912 
Overall Investigation: 
With funding event observed on 2023-01-31 20:55:52, amounting to $63.64, followed by Galileo deny code 51 (insufficient fund) prompting the member to fund the account on 2023-01-31 21:30:02, amounting to $10.00, the disputed transaction go through authorization since the member has a Spotme limit of  $130.00 which is enough to cover the disputed transaction. Balance exhausted. This activity suggests that member has full knowledge of the transaction and thus funded the account accordingly.
With history from LAS AIRPORT, LAS VEGAS, NVUS. Merchant is normal to the CH. Disputed amount is abnormal. The disputed card present EMV transaction is within the vicinity with the member's address on the account.                                                                                                                                   
No fraud alerts.
As per Galileo, RTA, & Penny deny code/ response code 51 was captured with the disputed merchant.
As per RTA: AVS RESULT B
As per VISA: AVS Result:		Address verification is not applicable
No PII changes, no signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.
Based on the thorough investigation performed, there are enough evidence to deny the claim. Therefore, no error found.
Final letter sent with ZD Ticket Number 62225533. CASE CLOSED







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UT TIMELINE: 2023-01-31 to 2023-02-02