Dispute ID: 5746255. CH disputing 2 Debit Unauthorized Transaction from multiple merchants for $298.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen and PIN memorized. Disputed card ending 3046 is closed. Case Decision: DENIED. VROL Case #:2297516041,2297515092.  
Overall Investigation: 
Disputed transaction from SAVE-A-STOP 1, MEMPHIS, TNUS and A Z INC, Memphis, TNUS are PIN based however no PIN change nor PIN failed attempts captured related to the dispute.
Manual funding event via Visa Money Transfer was captured prior to the authorization of the disputed transaction from A Z INC, Memphis, TNUS on 2022-12-09 14:26:05. Member has a Spotme limit of $110.00 which enabled the transaction to go through authorization.
Balance exhausted after the authorization of the last disputed transaction.
Cash in cash out was captured within the UT timeline.
Presence of deny code 78,59, was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny.
With fraud alerts.
Member has undisputed transaction history with the disputed merchant SAVE-A-STOP 1, MEMPHIS, TNUS, hence this is normal to the CH. Spending pattern was observed.
Disputed merchant A Z INC, Memphis, TNUS is normal to the CH.
The disputed card present transaction is within the vicinity with the member's address on the account.                                                                                                                                   
 RTA:
AVS RESULT B, for all disputed trxns
VISA:
AVS Result:		Address verification not applicable, for all disputed trxns
No PII changes captured within UT timeline.     No signs of ATO.
Multiple freezing, unfreezing of the disputed card was captured within the UT timeline suggesting that CH has control of the account.                                                                                                                             
Final letter sent ZD #59399038 . PVC schedule for reversal on 2022-12-27. CASE CLOSED.

                                                                                                                        


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UT TIMELINE: 2022-12-06 to 2022-12-12
TRXN TYPE:
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