DISPUTE ID 5543170. CH disputing 1 Debit UT amounting $57.11 with . No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card in possession at the time of transactions . PIN STATED AS "yes its secured". Disputed card ending 3590 is closed. Case decision: Denied. VROL Case #: 2281420608   .  
OVERALL INVESTIGATION:
With valid undisputed EMV initiated transaction from Gene's Liquors, PATERSON, NJUS on 2022-10-23 09:35:23 amounting to $8.54.
The disputed transaction from 121 W, BROADWAY, PATERSON, NJUS is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. 
With funding event observed from  Visa Money Transfer amounting to $45.00 on 2022-10-21 06:40:00 before the authorization of the disputed transaction from 121 W, BROADWAY, PATERSON, NJUS on 2022-10-21 08:08:31. Ch has a Spotme limit of $215.00 which enabled the transaction to go through.
Balance exhausted. 
With history from  121 W, BROADWAY, PATERSON, NJUS. hence this is normal to the CH.
Cash in cash out events within the UT timeline was captured.
Galileo deny code 51,57 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 3590.
RTA response code 51,57,85 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 3590.
Penny response code 51,57 was captured within the UT timeline but not related with the disputed merchant however they are on the disputed card ending 3590.
No RTA, Galileo, Penny deny/ response code with the disputed merchant within the UT timeline.
RTA:
AVS RESULT B
VISA:
AVS Result:		Address verification not applicable
No PII changes captured within UT timeline. No signs of ATO.
There is freezing, unfreezing of the disputed card within the UT timeline suggesting that member has the full control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #57637773. Case closed.




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UT TIMELINE: 2022-10-19 to 2022-10-25 
TRXN TYPE: Moto Blank Entry Mode05
FR 5