Dispute ID: 5860626/ 5860626-1. CH disputing 3 Debit Unauthorized Transaction from Journeys Com and Uber Trip amounting to $148.24. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card stolen. PIN memorized. Disputed card ending 5852 is closed. 
Case Decision: DENY
VROL Case #: 2304068084,  2304068085,  2304068086  
Overall Investigation: 
With funding event observed via  Card to Card amounting to $80.00 on 2022-12-22 13:59:38 before the authorization of the disputed transaction from JOURNEYS.COM, 8003246356, TNUS on 2022-12-22 13:59:52.
Series of funding event was captured after the authorization of the last disputed transaction while the card was said to be stolen.
Low ending balance after the authorization of the last disputed transaction.
Galileo and Penny deny/ response code 51 was captured within the UT timeline with the disputed card.
RTA response code 85 and 51 was captured within the UT timeline with the disputed card not relating with the disputed merchants.
Disputed merchant Journeys Com	is abnormal to the CH.
With history from Uber Trip. Disputed transaction has entry mode 10 credential on file  without response code 85 captured during the authorization of the disputed transaction. Spending pattern and amount is normal.
RTA:
AVS RESULT Z/ AVS RESULT Z
VISA:
AVS Result:	Z	ZIP matches, address does not/ AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter sent ZD Ticket Number 60163279,60163356. PVC scheduled for reversal on 2023-01-09. CASE CLOSED.


🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀UT TIMELINE: 2022-12-20 to 2022-12-27
TRXN TYPE:
Moto 1 Entry Mode 01
Moto 7 Entry Mode 10