Dispute ID: 5745112. CH disputing 3 Debit Unauthorized Transaction from multiple merchants for $277.70. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card lost/ stolen and PIN memorized. Disputed card ending 3447 is closed. Case Decision: DENIED   VROL Case #:2294692742,2294692874. Unable to file FR for STAR trxns, no STAR access.
Overall Investigation: 
Disputed transaction from  J-LO BEAUTY SUPPLY 495 VOTERS RD STE B, SLIDELL, LAUS is PIN based however there were no PIN failed attempts nor Changes within the disputed timeline. 
Manual funding was observed via Card to Card to the amount of $120.00 on 2022-11-29 18:30:11 before the authorization of the disputed transaction from J-LO BEAUTY SUPPLY 495 VOTERS RD STE B, SLIDELL, LAUS on 2022-11-29 18:30:38. Funding was less than the disputed amount however, CH has a Spotme limit of $75.00 which enabled the disputed transaction to go through AUTHORIZATION. Balance exhausted.
With valid undisputed EMV initiated transaction from NEW BUFFET CITY, PICAYUNE, MSUS on 2022-11-30 14:27:33 amounting to $15.09. 
Series of funding events was observed after the authorizationof the last disputed transaction while the card was said to be lost or stolen.                                                                                                                                                              
Cash in cash out was captured within the UT timeline.
Presence of deny code 51 was captured within the UT timeline on the disputed card as per Galileo, RTA, and Penny.
RTA response code 85 was captured within the UT timeline on the disputed card.
No fraud alert/indication.
Disputed merchants are abnormal to the CH as per Debit records shows there were no prior history.
The disputed card present transaction is within the vicinity with the member's address on the account.        
RTA:
AVS RESULT B, for all disputed transactions.
VISA: AVS Result:		Address verification not applicable, AVS Result:		Address verification is not applicable                                                                                                                           
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 ZD Ticket #59114127. Case closed..
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UT TIMELINE: 2022-11-27 TO 2022-12-04