Dispute ID: 5986916/ 5986916-1. DND 2023-01-08. CH is disputing 15 Unauthorized Transaction from Cash App for $153.98. The disputed transaction has Moto 7 Entry Mode 10 Card Not Present Debit Unauthorized Transaction. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny, card not in possession at the time of the transactions. Pin compromised. Disputed card ending 1023 is closed. 
CASE DECISION: CB Won, Acquirer Response Timeframe Expired. ERROR FOUND.
VROL CASE #: 2308754887 
Overall Investigation:
Pattern of funding event was observed within the UT timeline one of which is
 via Visa Money Transfer amounting to $25.58 observed on 2022-12-28 12:11:01 before the authorization of the disputed transaction from CASH APP on 2022-12-28 12:11:38. Low ending balance after the authorization of the last disputed transaction.
However,
Disputed merchant is abnormal to the CH. No prior history. No spending pattern observed.
Galileo deny code 51,55,59 was captured within the UT timeline on the disputed card.
RTA response code 85,51,55,59 was captured within the UT timeline on the disputed card.
Penny response code 51,55,59 was captured within the UT timeline on the disputed card.
With fraud alert on the disputed card.
As per RTA: AVS RESULT Z
As per VISA: AVS Result: Z	ZIP matches, address does not
No PII changes. No signs of ATO.
No freezing, unfreezing of the disputed card within the UT timeline.
Unable to initiate MCO, disputed merchant is on the DNC list.
No enough evidence to deny the claim. PRE-ARB INITIATED
PVC issue with ZD Ticket Number . CASE CLOSED IN VISA.

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Dispute ID xxxx. DND xxxx. CH claimed (x) unauthorized transaction from (x) amounting to xxxx. Reg Z. No claim cancellation. No merchant credit.  VROL xxxx. Error Found.