Dispute ID: 5880935. CH disputing 1 Debit Unauthorized Transaction from 	Cash App*Jay Ray for $400.00. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of the purchase and PIN stated as "Notes". Disputed card ending 1496 is closed. 
Case Decision:  DENY
VROL Case #: 2301917796 
Overall Investigation:
With funding event observed on 2022-12-26 14:39:54	via Visa Money Transfer before the authorization of the disputed transaction from CASH APP*JAY RAY, Visa Transfer, CAUS on 2022-12-26 18:05:43 However, upon checking it is enough to cover the disputed transaction amount.
Low ending balance after the authorization of the disputed transaction.
Pattern of funding event was captured within the UT timeline.
No fraud alert/indication.
There is a prior history of the disputed merchant cash app as a whole however not with the same recipient and disputed merchant is normal to the CH.
CH is a frequent user of cash app, amount is abnormal, however, spending behavioral pattern is observed from the said merchant starting month of October 2022 up until recent transactions showing that CH is doing business with the disputed merchant. Moreover, CH is not new to transact with this kind of merchant.
Galileo, penny deny/ response code 46 was captured within the UT timeline on the disputed card.
RTA response code 46 was captured within the UT timeline related to disputed merchant and response code 85 but not related with the disputed merchant. Entry mode 10 shows Merchant has initiated the transaction with credentials stored on file. One RTA response code 46 was captured within the UT timeline not relating with the disputed merchant however they are on the same disputed card.
RTA: AVS RESULTZ
VISA: AVS Result:	Z	ZIP matches, address does not
PII change of address was captured within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.                                                                                                            
Final letter sent ZD Ticket Number 59879844 . CASE CLOSED .




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UT timeline:2022-12-24 to 2022-12-29
TRXN type:
Moto 7 Entry Mode 10