Submit a User Submission for a Card Dispute

{
  "network": "visa",
  "visa": {
    "category": "merchant_prearbitration_decline",
    "merchant_prearbitration_decline": {
      "reason": "The pre-arbitration received from the merchantdoes not explain how they obtained permission to charge the card."
    }
  }
}

{
  "account_id": "account_in71c4amph0vgo2qllky",
  "amount": 1000,
  "card_id": "card_oubs0hwk5rn6knuecxg2",
  "created_at": "2020-01-31T23:59:59Z",
  "disputed_transaction_id": "transaction_uyrp7fld2ium70oa7oi",
  "id": "card_dispute_h9sc95nbl1cgltpp7men",
  "idempotency_key": null,
  "loss": null,
  "network": "visa",
  "rejection": null,
  "status": "pending_response",
  "type": "card_dispute",
  "user_submission_required_by": null,
  "visa": {
    "network_events": [
      {
        "attachment_files": [],
        "category": "chargeback_submitted",
        "chargeback_submitted": {},
        "created_at": "2020-01-31T23:59:59Z",
        "dispute_financial_transaction_id": "transaction_wgk1uqg4mjsn5nurkscv"
      }
    ],
    "required_user_submission_category": null,
    "user_submissions": [
      {
        "accepted_at": "2020-01-31T23:59:59Z",
        "amount": 1000,
        "attachment_files": [],
        "category": "chargeback",
        "chargeback": {
          "authorization": null,
          "category": "fraud",
          "consumer_canceled_merchandise": null,
          "consumer_canceled_recurring_transaction": null,
          "consumer_canceled_services": null,
          "consumer_counterfeit_merchandise": null,
          "consumer_credit_not_processed": null,
          "consumer_damaged_or_defective_merchandise": null,
          "consumer_merchandise_misrepresentation": null,
          "consumer_merchandise_not_as_described": null,
          "consumer_merchandise_not_received": null,
          "consumer_non_receipt_of_cash": null,
          "consumer_original_credit_transaction_not_accepted": null,
          "consumer_quality_merchandise": null,
          "consumer_quality_services": null,
          "consumer_services_misrepresentation": null,
          "consumer_services_not_as_described": null,
          "consumer_services_not_received": null,
          "fraud": {
            "fraud_type": "lost"
          },
          "processing_error": null
        },
        "created_at": "2020-01-31T23:59:59Z",
        "explanation": null,
        "further_information_requested_at": null,
        "further_information_requested_reason": null,
        "status": "accepted",
        "updated_at": "2020-01-31T23:59:59Z"
      }
    ]
  },
  "win": null,
  "withdrawal": null
}