Dispute ID: 5862790/ 5862790-1. CH disputing 3 Debit Unauthorized Transaction from Cash App amounting to $290.00. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card not in possession at time of transaction. PIN Memorized. Disputed card ending 8188 is closed. 
CASE DECISION: DENY
VROL CASE NO.2303080657,2303080663,2303072862 
Overall Investigation:
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 to the CH. Spending amount is normal.                                                                                              
With funding event observed on 2022-12-21 16:41:25	via Card to Card amounting to $1000.00 before the authorization of the disputed transaction from CASH APP on 2022-12-23 22:46:25. Prior to this funding the account balance is already exhausted which suggests that CH is anticipating the disputed transactions and thus funded the account accordingly. Low ending balance after the authorization of the last disputed transaction.
Galileo, RTA, and Penny deny/ response code 46 was captured within the UT timeline on the disputed card.
No fraud alert/indication.
RTA:
AVS RESULTZ
VISA:
AVS Result:	Z	ZIP matches, address does not
No PII changes captured within UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found. 
Final letter ZD Ticket Number 60015489, 60015617. PVC scheduled for reversal on 2023-01-09. CASE CLOSED .
                                                                                                    
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UT TIMELINE: 2022-12-21 TO 2022-12-28
TRXN TYPE: 
Moto 7 Entry Mode 10
FR: 5