Dispute ID: 5864819. DND 2022-12-25. CH is disputing 4 Online Debit Unauthorized Transaction from Cash App Yolanda Ree amounting to $155.00. Reg E. Disputed transactions are: Moto 7 Entry Mode 10. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card in possession at the time of transactions . PIN memorized. Disputed card ending 0576 is closed. 
Case Decision: Pre - Arb Won, Acquirer Response Timeframe Expired. VROL 2301099662,2301094903, 5225133790,5225133779. Error Found.	
Overall Investigation:
No fraud alerts.
No PII changes captured within UT timeline. No signs of ATO.
Disputed transactions has Entry Mode 10 credential on file.
However,
Disputed cash app recipient is abnormal to the CH. No prior history. No spending pattern observed.
No funding event prior to the authorization of the disputed transaction.
High ending balance after the authorization of the last disputed transaction.
Galileo, PENNY  deny/ response code 51 was captured within the UT timeline on the disputed card.
RTA response code 51, 85 was captured within the UT timeline on the disputed card.
RTA: AVS RESULT Z
VISA: AVS Result:	Z	ZIP matches, address does not
No freezing, unfreezing of the disputed card within the UT timeline.
Unable to initiate MCO, merchant is on the approved DNC list.
NO enough evidence to deny the claim. Pre - Arb Won, Acquirer Response Timeframe Expired. VROL 2301099662,2301094903,5225133790,5225133779. Error Found.	
Sent final letter with ZD Ticket Number 61328166. CASE CLOSED.