Dispute ID: 5736818. CH disputing 4 Debit Unauthorized Transaction from multiple merchants for $38.35. Reg E.  No merchant credit related to the disputes. No claim cancellation. As per Penny, card stolen. Pin stated as "Taped to card". Disputed card ending 5074 is closed. Case Decision: DENIED . VROL Case #:2294145552,2294139206,2294139205,2294134391. 
Overall Investigation: 
With funding event via Visa Money Transfer amounting to $20.00 observed on 2022-11-30 17:13:06 before the authorization of the disputed transaction from TA/PETRO #331, LAS VEGAS, NVUS on 2022-12-01 19:51:18.
With funding event via Card to Card amounting to $12.30 observed on 2022-12-03 15:43:35 before the authorization of the disputed transaction from CHEVRON/CACTUS PETES, JACKPOT, NVUS on 2022-12-03 16:09:15.
CH has a Spotme limit of  $75.00 which enabled the transaction to go through authorization even though the account balance is already exhausted prior to the authorization of the disputed transaction. This suggests that CH is aware of the card's activity and thus, funded the account accordingly.
Balance exhausted after the authorization of the last disptued transaction.
Disputed transaction from disputed merchants are PIN based however no PIN change nor PIN failed attempts captured related to the dispute.
Funding event was captured after the authorization of the last disputed transaction while the card was said to be stolen.
Cash in cash out was captured within the UT timeline.
Presence of deny code 51,78, was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny.
RTA response code 85 was captured within the UT timeline on the disputed card.
Disputed merchants are abnormal to the CH.
No fraud alert/indication.
RTA:
AVS RESULT B, for all disputed transactions.
VISA:
AVS Result:		Address verification not applicable, for all disputed transactions.
No PII changes captured within UT timeline. No signs of ATO.
Freezing, unfreezing of the disputed card was captured within the UT timeline, an indication that CH is in control of the account.olution
There is enough evidence to deny the claim. Final resolution, no error found.
Sent final letter ZD Ticket Number 59063825. CASE CLOSED.



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TRNX TYPE: Moto Blank Entry Mode 05