Dispute ID : 10573904 CHARGE BACK

Dispute ID : 10573904 DND : 2023-06-25 1 Debit UT transaction against Root Insurance amounting to $1,103.49 Reg Z Claim. Card closed. No claim cancellation nor merchant credit. Card stolen. PIN memorized. Card absent transaction MOTO/ECI 07 with Entry mode 01. ROL Case Number 5274752571 Sent acknowledgement letter with ZD#: 69943939

Approval

• No Previous transaction
• No spending pattern
• Dollar amount is abnormal
• spending velocity is abnormal
• No Funding event prior
• No failed attempts, No deny codes 55
• No valid undisputed card present EMV transaction
• No undisputed contacless PIN based transaction
• No deny codes observed within the UT timeframe
• No freezing/Unfreezing
• No Signs of ATO/PII changes Gathered evidence are insufficient to deny the claim. Chargeback initiated Case ongoing.