Dispute ID: 5160350. DND 2022-09-25. CH is disputing 2 UT from Cash App S** amounting to $120.00. As per Penny, card not in possession at time of purchase. PIN memorized. No merchant credit. No claim cancellation. Reg E. INVESTIGATION. Low ending balance after the authorization of the last disputed transaction. No fraud alerts. No PII changes. No signs of ATO. Observed funding from Direct Deposit prior to the authorization of the disputed transaction from Q***S, Direct Deposit on 2022-09-22 02:40:08 amounting to $432.99. No previous transactions from the same cash app recipient. As per Galileo, deny code 51 was captured but not with the disputed cash app recipient. As per RTA, response code 85,51,59 was captured but not related with the disputed merchant. No response code was captured with the disputed merchant as per RTA. There is freezing of the disputed card within UT timeline.  AVS RESULT B for all disputed transactions. No merchant call out made. Merchant is on the approved DNC List. Therefore, error found. Proceed to chargeback. Sent ZD #54838853. Filed FR ROL Case #5215031645, 5215031646. Case ongoing. 










Observed funding from CNB Enid Deposit  DIRECT DEP on 2022-09-22 18:37:46 amounting to $1691.73. Prior to the funding from the CNB Enid Deposit, CH's balance is already exhausted. The same depositor from CNB Enid Deposit was observed funding CH's account from 2022-05. Galileo deny code:51,43,04, was captured within UT timeline but not related with the disputed merchant. Deny code 57 was captured with the disputed merchant. No fraud alerts. As per RTA, response code 57 was captured with the disputed merchant. AVS RESULT Z. As per RTA, response code 43,04,85,57,51, within UT timeline but not related with the disputed merchant. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54838571. Filed FR ROL Case #5215031600. Case closed.