5850238

Dispute ID: 5850238. CH disputing 1 Debit Unauthorized Transaction from Cash App for $134.00. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card stolen. PIN Memorized. Disputed card ending 5422 is closed. Case Decision: DENY VROL Case #: 2302129480 Overall Investigation: With funding event observed on 2022-12-22 10:11:07 AND ON 2022-12-22 10:09:54 before the authorization of the disputed transaction from CASH APP*on 2022-12-22 10:18:51. Prior to this funding the account balance is almost exhausted which indicates that CH is aware of the incoming transaction and thus funded the account accordingly. With history from Cash App. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. Disputed merchant is normal. Spending pattern is normal. Disputed amount is normal to the CH. Galileo, Penny deny/ response code 51 was captured within the UT timeline on the disputed card. RTA response code 85,51 was captured within the UT timeline on the disputed card. No fraud alert/indication. RTA: AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not PII change of phone was captured within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found
Sent final letter ZD Ticket Number 59910043. CASE CLOSED.

🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT timeline: 2022-12-20 to 2022-12-25 TRXN type: Moto 7 Entry Mode 10