Dispute ID: 5686830. CH disputing 4 Debit Unauthorized Transaction from Unibet and Draftkings for $125.00. Reg E. No merchant credit related to the disputes. No claim cancellation. As per Penny card stolen. PIN stated as "In my car that was broken into. In a hidden lock box only a few ppl are aware of". Disputed card ending 9687 is closed. Case Decision: DENIED. VROL Case #:2291170673, 2291172159, 2291173560 ,2291173561. 
Overall Investigation:
 With funding event observed via Card to Card amounting to $50.00 on 2022-11-24 05:26:36 before the authorization of the disputed transaction from DRAFTKINGS, BOSTON, MAUS on 2022-11-24 05:33:07. Balance exhausted.
With funding event observed via Card to Card amounting to $50.00 on 2022-11-24 08:01:44 before the authorization of the disputed transaction from DRAFTKINGS, BOSTON, MAUS on 2022-11-24 08:11:07. Balance almost exhausted.
Funding event was captured after the authorization of the last disputed transaction while the card was said to be stolen.
Galileo deny code 51 was captured within the UT timeline on the disputed card with the disputed merchant, same deny code was also captured within the UT timeline but with the non-disputed merchant.
Disputed merchants are normal to the CH account since it has prior history.
No fraud alert/indication.
RTA/ Penny response code 51 was captured within the UT timeline on the disputed card with the disputed merchant, same deny code was also captured within the UT timeline but with the non-disputed merchant.
RTA response code 85 was captured with the disputed card within the UT timeline but not related with the disputed merchant.
RTA: 
AVS RESULTZ, for all disputed transactions
VISA:
AVS Result:	Z	ZIP matches, address does not, for all disputed transactions
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #58722191. Case closed.


🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-11-22 to 2022-11-27
TRXN TYPE: Moto 7 Entry Mode 1