Dispute ID 5370330.
CH disputing 2 Debit Unauthorized Transaction from Safeway and Circle K for $45.28.
Dispute Notification Date:2022-10-24
Case Decision: Denied
VROL Case: #2270065435,2270065445
OVERALL INVESTIGATION:
Card ending in 2763 is closed.
UT timeline: 2022-10-14 to 2022-10-25
Card Status:  Stolen
PIN Status: "My notes"
No merchant credit found as of this time.
No claim cancellation.
TRXN TYPE: 
Moto Blank Entry Mode 7 Card-Absent with CB rights.
Moto Blank Entry Mode 05Card-Present No CB Rights
With two funding event observed via Visa Money Transfer on 2022-10-16 16:35:04, 2022-10-16 20:39:56 before the authorization of the disputed transaction from SAFEWAY FUEL1591, PHOENIX, AZUS on 2022-10-16 21:05:56.
With funding event observed via Card to Card on 2022-10-21 20:35:08 before the authorization of the disputed transaction from CIRCLE K # 03473, COOLIDGE, AZUS on 2022-10-21 20:45:24.
Balance almost exhausted after the authorization of the disputed transaction from CIRCLE K # 03473, COOLIDGE, AZUS on 2022-10-21 20:45:24.
Disputed transaction from CIRCLE K # 03473, COOLIDGE, AZUS is PIN based however no PIN change nor PIN failed attempts captured related to the dispute.
With valid undisputed EMV initiated transaction from the CIRCLE K # 09544, FLORENCE, AZUS on 2022-10-22 07:24:31 amounting to $10.41.
Member has previosu transactions with the disputed merchant, CIRCLE K. 
The disputed card present EMV transaction from CIRCLE K # 03473, COOLIDGE, AZUS  is within the vicinity with the member's address on the account, approximate time 9mins.                                                                                                                                   
Galileo deny code 51,57, was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 2763.
No fraud alerts.
Series of funding events was observed after the authorization of the disputed ttransaction from CIRCLE K # 03473, COOLIDGE, AZUS while the card was said to be stolen.    
RTA response code 10 was captured with the disputed merchant  SAFEWAY FUEL1591 PHOENIX AZUS.
RTA: AVS RESULT B for all disputed transactions.
VISA: AVS Result:		Address verification not applicable for all disputed transactions.
RTA response code 57,85,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 2763.
RTA response code 10 was captured with the merchant name CIRCLE K # 09544 FLORENCE AZUS and CIRCLE K 02943 COOLIDGE AZUS however, they are not the specific disputed merchant that is being disputed on this Dispute ID.
No PII changes captured within UT timeline.
No signs of ATO.
There is freezing, unfreezing activity on the disputed card within the UT timeline which suggests that member has full control of the account.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #56360551. Case closed.