5470805

DISPUTE ID 5470805. CH disputing 2 Debit UT amounting $305.00 with Cash App Lanijah Ad and Www Styles Weavys. Reg E. No claim cancellation. No Merchant Credit found as of this time. As per Penny, Card not in possession at the time of transaction. PIN memorized. Case decision: Denied . VROL Case #: 2277064023, 2277064028. Disputed card ending 8409 is closed. OVERALL INVESTIGATION: With funding event observed via Card to Card amounting to $200.00 on 2022-11-05 06:10:44 before the authorization of the disputed transaction from CASH APPLANIJAHADD C, Visa Transfer, CAUS on 2022-11-05 06:11:06. Balance exhausted after the authorization of the disputed transaction from WWW.STYLES* WEAVYS COL, +14156894377, MDUS on 2022-11-05 10:40:56. Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction.  Galileo deny code 46 was captured with the disputed merchant CASH APPLANIJAHADD CAVisa TransferCAUS. Galileo deny code 05,51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8409. No fraud alert/indication. RTA response code 46 was captured with the disputed merchant CASH APPLANIJAHADD CAVisa TransferCAUS. No RTA response code was captured with the disputed merchant WWW.STYLES* WEAVYS COL +14156894377 MDUS. RTA response code 85,05,51, was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8409. RTA: AVS RESULT Z AVS RESULT Z VISA: AVS Result: Z ZIP matches, address does not AVS Result: Z ZIP matches, address does not Disputed merchant WWW.STYLES* WEAVYS COL +14156894377 MDUS recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. No PII changes captured within UT timeline. No signs of ATO. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #57161679. Case closed. 🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀🎀 UT TIMELINE: 2022-11-03 to 2022-11-08 trxn type: moto 7 entry mode 10 moto 2 entry mode 10