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Pamatay Notation

  1. There is no funding event prior, however the total balance on the account after the last authorization is $83.04,which is enough to authorized the disputed transaction.
  2. Spending pattern is normal where CH used to purchased with the same merchant, , for (x) consecutive months from X to X with the same amount of .
  3. "No manual anticipatory funding event seen prior to UT. However, payroll direct deposit earlier on day of UT would help fund subsequent activity."
  4. There was a funding of on prior the authorization of the disputed transaction which is more than enough balance to cover the disputed transaction since prior to the funding balance was already exhausted which means that the funding caused the transactions to go through. Pattern of funding events from xxx since the month of February 2022 up to the present was observed, which suggest that the CH is fully aware of the account balance and expecting a fund to come in before the disputed transactions happened.