Dispute ID: 10727260 DND: 2023-07-09 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. Dispute ID: 10531951 DND: 2023-07-09 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Insufficient information to proceed with case. Dispute ID: 10727566 DND: 2023-07-09 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. Dispute ID: 10727644 DND: 2023-07-09 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. Dispute ID: 10714166 DND: 2023-07-08 Reg E - Transaction Was Cancelled Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Insufficient information to proceed with case. (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability ) Dispute ID: 10288379 DND: 2023-05-28 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Declined by Acquirer) Dispute ID: 10578336 DND: 2023-06-26 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that goods/ services are received. Merchant provided a transaction receipt and CH agreed to all terms and conditions and applicable fees with cardholder's signature. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10454088 DND: 2023-06-13 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer Dispute ID: 10711135 DND: 2023-07-08 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer) Dispute ID: 10653687 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH accepted the Doordash Terms and condition and merchant have processed and fulfilled this CH order correctly. (Disputed amount and correct amount supposed to be charged are the same) Dispute ID: 10569562 DND: 2023-06-26 Reg E - Incorrect Amount Charged Decision Outcome: Denied Decision Outcome Reasoning: - No Claim Cancellation - No Merchant Credit. - No ATO Hallmarks Present. - Disputed amount and correct amount supposed to be charged are the same. - Provisional Credit Reversal on 2023-07-17 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10407754 DND: 2023-06-08 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10407777 DND: 2023-06-08 Reg E - Incorrect Amount Charged Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10279628 DND: 2023-05-27 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired Dispute ID: 10714549 DND: 2023-07-08 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit Dispute ID: 10701896 DND: 2023-07-08 Reg E - Incorrect Amount Charged Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit Dispute ID: 10717758 DND: 2023-07-08 Non Reg E - Goods/Services Not As Described Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - No Indicated Receipt date. - Insufficient information to proceed with case. Dispute ID: 10717769 DND: 2023-07-08 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. Dispute ID: 10687770 DND: 2023-07-08 Reg E - Incorrect Amount Charged Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit (Consumer Dispute - Declined by Acquirer) Dispute ID: 10425332 DND: 2023-06-29 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH authorized Terms and Conditions of the merchant to release CH billing/rental information - Provisional Credit reversal on 2023-07-14 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10418109 DND: 2023-06-09 Reg E - Credit Not Posted Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH fully authorized the transaction and merchant provided a transaction receipt showing a vaild breakdown of charges. CH has multiple trip history that was used on the same card. - Provisional Credit reversal on 2023-07-14 (Consumer Dispute - Response Accepted Full by Acquirer) Dispute ID: 10092961 DND: 2023-05-23 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer) Dispute ID: 10376297 DND: 2023-06-05 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH fully authorized the transaction and merchant provided a transaction receipt showing a vaild breakdown of charges. CH has multiple trip history that was used on the same card. - Provisional Credit reversal on 2023-07-14 (Consumer Dispute - Response Accepted Full by Acquirer) Dispute ID: 10521785 DND: 2023-06-20 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer Dispute ID: 10338391 DND: 2023-06-01 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit Dispute ID: 10370853 DND: 2023-06-08 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit Dispute ID: 10471178 DND: 2023-06-15 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit Dispute ID: 10474131 DND: 2023-06-15 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. -Remaining disputed transactions unable to file CB as below chargeback threshold (BELOW CB THRESHOLD) Dispute ID: 10566389 DND: 2023-06-24 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Below Chargeback Threshold. (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10210902 DND: 2023-05-22 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: -Chargeback Won - Response Timeframe Expired (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 10021254 DND: 2023-05-04 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Declined by Acquirer - Received uncompelling evidence | Pre-Arbitration initiated previously Pre-Arb Decision Outcome: Approved Pre-Arb Outcome Reasoning: - Pre-Arb Won - Accepted by Acquirer (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10117802 DND: 2023-05-13 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer/ Received Partial Merchant Credit ) Dispute ID: 10562127 DND: 2023-06-24 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - Received Partial Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH has already been partialy refunded and remaining disputed amount is below CB threshold. (Consumer Dispute - Accepted by Acquirer ) Dispute ID: 10278169 DND: 2023-05-27 Non Reg E - Merchandise Was Returned Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer) Dispute ID: 10566725 DND: 2023-06-24 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - Received Partial Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH has already been provided a partial credit and has a total of 8 trips taken on the same merchant. (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 10074401 DND: 2023-05-09 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Declined by Acquirer - Received uncompelling evidence | Pre-Arbitration initiated previously Pre-Arb Decision Outcome: Approved Pre-Arb Outcome Reasoning: - Pre-Arb Won - Accepted by Acquirer (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 10490640 DND: 2023-06-17 Reg E - Incorrect Amount Charged Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10363337 DND: 2023-06-04 Reg E - Incorrect Amount Charged Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10260688 DND: 2023-05-26 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Chargeback Initiated) Dispute ID: 10691915 DND: 2023-07-06 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit (Requested Additional Information) Dispute ID: 10691993 DND: 2023-07-06 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Insufficient information to proceed with case. (Pending Chargeback - 15 days VCR) Decision Outcome: Pending Chargeback - 15 days VCR Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Visa Required 15 calendar days - Issued Provisional Credit (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10132344 DND: 2023-05-14 Non Reg E - Merchandise Was Returned Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 10450900 DND: 2023-06-15 Reg E - Incorrect Amount Charged Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10426702 DND: 2023-06-10 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10261365 DND: 2023-05-26 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10350875 DND: 2023-06-02 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10426047 DND: 2023-06-10 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10277516 DND: 2023-06-01 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10498562 DND: 2023-06-18 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Declined by Acquirer) Dispute ID: 10456562 DND: 2023-06-13 Non Reg E - Goods/Services Not As Described Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that merchant provided a valid copy of sale. The quality and authenticity of the items are not be questioned. CH shows no signs of discontent, never came and complained about the items. (Consumer Dispute - Declined by Acquirer/ Has Full Merchant Credit) Dispute ID: 10483508 DND: 2023-06-16 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - Received Full Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Declined by Acquirer - Received Compelling evidence that CH has been issued for a full refund from merchant. (Consumer Dispute - Declined by Acquirer/ Below CB Threshold) Dispute ID: 10493209 DND: 2023-06-17 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that Merchant is not the seller of any tangible goods or services. Apple Cash is a Peer to Peer electronic funds transfer service only. Transaction requested was transferred and completed successfully. - Remaining disputed transaction has no chargeback rights as below chargeback threshold. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10576441 DND: 2023-06-25 Non Reg E - Merchandise Was Returned Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH received the items and was successfully delivered to the address that match our records. No proof that the item was returned. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10489945 DND: 2023-06-16 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that this charge was a cash advance Prior to receiving the extra cash advance, the user agrees to pay back the full amount of the advance, plus the payment processing fees and an optional tip specified by the user. - Provisional Credit reversal on 2023-07-13 (Processing Error Dispute - Declined by Acquirer) Dispute ID: 10343082 DND: 2023-06-02 Reg E - Duplicate Charge Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that Merchant provided a customer payment history showing the last 4 digit of the card matched our records and breakdown of valid charges. Each transaction has a different receipt ID number and cannot be identified as duplicate charge. - Provisional Credit reversal on 2023-07-13 (Below CB threshold) Dispute ID: 10564103 DND: 2023-06-24 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Below Chargeback Threshold. ( Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10200224 DND: 2023-05-20 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10207764 DND: 2023-05-21 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Declined by Acquirer) Dispute ID: 10176816 DND: 2023-05-21 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH purchased the service conditional to the Services Agreement of the sale and has not cancelled the service prior to being billed. - Provisional Credit reversal on 2023-07-14 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10344941 DND: 2023-06-23 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that Subscription is currently active and is installed on 1 of the customer’s devices. The customer has made no attempt to cancel the subscription and agreed to Terms and Conditions - Provisional Credit reversal on 2023-07-14 (REQ ADD INFO) Dispute ID: 10614364 DND: 2023-06-29 Reg E - Transaction Was Cancelled Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - No Indicated Receipt date. - Insufficient information to proceed with case. (FILED CHARGEBACK W/ PVC) Dispute ID: 10615655 DND: 2023-06-30 Reg E - Incorrect Amount Charged Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit (Below CB threshold) Dispute ID: 10634137 DND: 2023-06-30 Reg E - Incorrect Amount Charged Decision Outcome: Approved Decision Outcome Reasoning: - Received Full Merchant Credit. - Received Partial Merchant Credit. - Remaining disputed amount is below CB threshold. (FILED CHARGEBACK) Dispute ID: 10637604 DND: 2023-07-01 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. (REQ ADD INFO) Dispute ID: 10637640 DND: 2023-07-01 Non Reg E - Merchandise Was Returned Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - No Indicated Receipt date. - Insufficient information to proceed with case. (STAR) Dispute ID: 9902257 DND: 2023-04-23 Reg E - Incorrect Amount Charged Decision Outcome: Pending Chargeback Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks -Unable to initiate chargeback due to No access to Star. (FILED CHARGEBACK) Dispute ID: 9988266 DND: 2023-05-01 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. (FILED CHARGEBACK) Dispute ID: 10052827 DND: 2023-05-07 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. (FILED CHARGEBACK) Dispute ID: 10131120 DND: 2023-05-14 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. (FILED CHARGEBACK) Dispute ID: 10139692 DND: 2023-05-15 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. (Issued Provisional Credit) Dispute ID: 10158588 DND: 2023-06-17 Reg E - Credit Not Posted Decision Outcome: Issued Provisional Credit (FILED CHARGEBACK) Dispute ID: 10489945 DND: 2023-06-16 Reg E - Transaction Was Cancelled Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit (Consumer Dispute - Response Accepted Full by Acquirer) Dispute ID: 10200391 DND: 2023-05-20 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: No Merchant Credit No Claim Cancellation No ATO Hallmarks Present Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: Chargeback Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer) Dispute ID: 10337567 DND: 2023-06-01 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH purchased a policy on our website to protect their landlord from damages and loss of rent - this allows them to avoid giving their landlord a cash security deposit. Rather than using a cash security deposit, tenants pay monthly fees toward the insurance policy so that their landlord can make claims for damages and loss of rent. The customer was shown the refund and cancellation policies during signup. Provisional Credit Reversal on 2023-07-10 (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 10081502 DND: 2023-05-10 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: -No Merchant Credit -No Claim Cancellation -No ATO Hallmarks Present -Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: -Received uncompelling evidence | Pre-Arbitration initiated previously Pre-Arb Decision Outcome: Approved Pre-Arb Outcome Reasoning: -Pre-Arb Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer) Dispute ID: 10404040 DND: 2023-06-10 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that merchant is not a seller of any tangible goods/services. Apple Cash is a Peer to Peer electronic funds only. CH agreed to the disclosures, Terms and Condition. (Consumer Dispute - Declined by Acquirer ) Dispute ID: 10492580 DND: 2023-06-17 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that order was shipped via USPS and Tracking number shows that CH have signed for the package and the order was successfully delivered. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10296651 DND: 2023-05-29 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH confirmed and authorized the transaction after buying all of the merchandisew in person without any problem. CH agreed to All sales are final, No exchange No returns policy. - Provisional Credit Reversal on 2023-07-10 (Consumer Dispute - Declined by Acquirer/ Pre-Arb Initiated) Dispute ID: 10343205 DND: 2023-06-02 Reg E - Transaction Was Cancelled Decision Outcome: Pre-Arbitration Initiated Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Pre-Arbitration Initiated Chargeback Decision Outcome Reasoning: - Declined by Acquirer - Received uncompelling evidence that merchant provided a credit refund check for $245.91 but still has remaining disputed amount of $109.83. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10248939 DND: 2023-05-31 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH did not cancel per terms of contract and the gym was able and willing to provide services, therefore their membership still active, and the charges are due and payable. - Provisional Credit reversal on 2023-07-10 (Processing Error Dispute - Declined by Acquirer) Dispute ID: 10566839 DND: 2023-06-24 Reg E - Incorrect Amount Charged Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH fully authorized payment at time of transfer. - Provisional Credit reversal on 2023-07-10 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10025479 DND: 2023-05-06 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10191032 DND: 2023-05-19 Reg E - Paid for Goods/Services By Other Means Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10286841 DND: 2023-05-28 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Response Timeframe Expired (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10312278 DND: 2023-05-30 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied/Approved Decision Outcome Reasoning: - No Chargeback rights as Below Chargeback Threshold - No Merchant Credit - No Claim Cancellation - for remaining disputed transaction, Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 10190019 DND: 2023-05-19 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Received uncompelling evidence | Pre-Arbitration initiated previously Pre-Arb Decision Outcome: Approved Pre-Arb Outcome Reasoning: - Pre-Arb Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer) Dispute ID: 10260353 DND: 2023-05-26 Non Reg E - Goods/Services Not As Described Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that services for baggage fees was rendered. Ticket was used by CH for a certain flight. Ticket/Services are non-refundable. (Consumer Dispute - Declined by Acquirer/ Has Full Merchant Credit) Dispute ID: 10323101 DND: 2023-05-31 Non Reg E - Goods/Services Not As Described Decision Outcome: Approved Decision Outcome Reasoning: - Received Full Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Approved Chargeback Decision Outcome Reasoning: - Received Compelling evidence that CH has been issued for a full refund from merchant. Dispute ID: 10448899 DND: 2023-06-18 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH accepted the Doordash Terms and condition and merchant have processed and fulfilled this CH order correctly. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10350597 DND: 2023-06-02 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that CH agreed to merchant's disclosure and refund policy upon purchasing the said event ticket. All Sales are final unless otherwise noted. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10489418 DND: 2023-06-16 Non Reg E - Goods/Services Not As Described Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Initiated Previously Chargeback Decision Outcome: Denied Chargeback Decision Outcome Reasoning: - Chargeback Lost - Received Compelling evidence that valid authorization and acceptance of the disclosed terms and conditions of the sale were provided and agreed to by the CH before confirming the purchase. All services are provided as described. (CHARGEBACK) Dispute ID: DND: Reg E or Non Reg E - Case Decision: Chargeback Initiated VROL Case#: Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant) amounting to $XXX.XX. No Claim Cancellation. No Merchant Credit applied. Chargeback Initiated with VROL Case#. Case ongoing. (ADDITIONAL INFORMATION) Dispute ID: DND: Reg E or Non Reg E - Case Decision: Requested Additional Information Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant) amounting to $XXX.XX. No Claim Cancellation. No Merchant Credit applied. Request Additional Information sent with ZD Ticket #. Case ongoing. (ATO FRAUD) Case Decision: Deny VROL Case#:N/A Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant name) amounting to $XXX.XX. No Claim Cancellation. No Merchant Credit applied. Upon review of the account, disputes filed within the same time altogether suggesting that the person doing these transactions had full control of the account and balance is known. Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. The CH disputed transaction had a pattern of which abuses our Policy for REG E when it comes to PTF claims that cannot be verified with the merchant. Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds by opening disputes via chatbot. Account being escalated for dispute abuse/closure review | Account has been sent to be reviewed due to investigation for possible part of ATO fraud trend. No Error Found. Final letter sent with ZD #. Case Closed. (PROCESSING ERROR DISPUTE - Declined by Acq ) Case Decision: Approved VROL Case #: Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant) for $XXX.XX. No Claim Cancellation. Merchant declined VROL Case #. As per merchant response CH was already refunded. Received full merchant credit settled on (settlement date) with admin transaction ID #. Therefore, error found. Final letter sent with ZD #. Case Closed. (Decline by Acquirer-Chargeback Lost) New Update: Case Decision: Deny. Dispute ID: 9768656 Dispute Type: Debit (Reg E) Incorrect Amount Charged Dispute Notification Date: 2023-04-10 Case Decision: CB Initiated VROL Case #:2326361334 Overall Investigation: CH disputes (1) Incorrect Amount Charged with Food Lion for $100.00. No Claim Cancellation. No Merchant Credit applied. As per receipt, Merchant already provided a cash refund for this transaction. PVC reversal on 2023-05-08. No error found. Case Closed. (Decline by Acquirer-Chargeback Lost) Dispute ID: 9869115 DND: 2023-04-20 Non Reg E - Non-Receipt of Goods or Services Case Decision: Chargeback Initiated VROL Case#: 5256277672 / 5256277714 Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Dd Doordash Oventreat and Dd Doordash Ihop amounting to $91.56 in total. No Claim Cancellation. No Merchant Credit applied. As per Merchant, CH order has been delivered to the delivery address that match our record. No error found. Case Closed. (Declined by Acq- Uncompelling evidence ) Case Decision: Pre-Arb Initiated VROL Case #: Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant Name) for $XXX.XX. No Claim Cancellation. No Merchant Credit.As per checking VROL #, was declined by acquirer. Upon checking the tracking number provided by the merchant shows that the order is still in transit status. Uncompelling evidence. Pre-arb initiated. Case ongoing. (Pre-Arb Response Accepted Full by Acq) Case Decision: Aprrove VROL Case #: Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant) for $XXX.XX. No Claim Cancellation. No Merchant Credit. As per checking VROL #- Pre-Arb Response Accepted Full by Acq on 04/26/23. Error found. Pre-Arb Won. Final letter sent. Case Close. (Full Merchant Credit) Case Decision: Aprrove VROL Case #: Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant) for $XXX.XX. No Claim Cancellation. Received full merchant credit amounting to $XXX.XX Settled on 2023-00-00 with Admin Transaction ID #:. Therefore, error found. Final Letter Sent with ZD #:. Case Closed. Dispute ID: 9941082 DND: 2023-04-26 Reg E - Credit Not Posted Case Decision: Approved VROL Case#: N/A Overall Investigation: CH disputes (1) for Credit Not Posted with ROYAL PALACE INN & SUI amounting to $105.83. No Claim Cancellation. Received Full Merchant credit: 97159659552 for $105.83. Settled on 2023-04-28. Error Found. Case Closed. (No STAR ACCESS) Dispute ID: 9939511 DND: 2023-04-26 Reg E - Duplicate Charge Case Decision: Pending Chargeback VROL Case ID: N/A Overall Investigation: CH disputes (1) for Duplicate Charge with Speedway amounting to $37.48. No Claim Cancellation. No Merchant Credit applied. Unable to initiate chargeback due to No access to Star. Case ongoing. (Pending for CB) Dispute ID: 9816331 DND: 2023-04-17 Reg E - Transaction Was Cancelled Case Decision: Pending for CB VROL Case#:N/A Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Lyft amounting to $36.81. No Claim Cancellation. No Merchant Credit applied. Pending for CB. Visa Required 15 calendar days. PVC issued with ZD #66247921. Case Ongoing. (Visa System Issue) Dispute ID: 9967027 DND: 2023-05-01 Non Reg E - Non-Receipt of Goods or Services Case Decision: Pending for Chargeback VROL Case#: N/A Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Cafe De Bankok amounting to $237.32. No Claim Cancellation. No Merchant Credit applied. Pending for Chargeback due to Visa System Issue. Case Ongoing. ( Incorrect Amount Charged ) Overall Investigation: Ch filed 1 Incorrect Amount Charged. No merchant credit nor claim cancellation received. Reg-Z. Not eligible for PVC. Amount supposed to be charge is $73.47. Remaining disputed amount is $96.91. Process chargeback. Case ongoing. (Decline by Acquirer-Chargeback Lost) New Update: Case Decision: Deny. Dispute ID: 9768656 Dispute Type: Debit (Reg E) Incorrect Amount Charged Dispute Notification Date: 2023-04-10 Case Decision: CB Initiated VROL Case #:2326361334 Overall Investigation: CH disputes (1) Incorrect Amount Charged with Food Lion for $100.00. No Claim Cancellation. No Merchant Credit applied. As per receipt, Merchant already provided a cash refund for this transaction. PVC reversal on 2023-05-08. No error found. Case Closed. Dispute ID:9957845 Dispute Type: Debit Reg E DND: 2023-04-28 Case Decision: Deny VROL#: 5260482193 Overall Investigation: CH is claiming for 1 Incorrect Amount Charged against Google amounting to $63.03. No claim cancellation. No merchant credit. CB Initiated with VROL#5260482193. Declined by Acquirer. As per RE-presentment, CH authorized to pay for the amount of $68.03. Therefore, No error Found. PVC reversal on 2023-05-09. Case Closed. Dispute ID: 9992282 DND: 2023-05-01 Non Reg E - Merchandise Was Returned Case Decision: Pending for Chargeback VROL Case#: N/A Overall Investigation: Overall Investigation: CH disputes (1) for Merchandise Was Returned with PlayStation amounting to $53.16. No Claim Cancellation. No Merchant Credit applied. Pending for CB. Visa Required 15 calendar days. Case Ongoing. (Inspector Chargeback Error) Unable to transition chargeback in Inspector due to Inspector Error "Chargeback can't be initiated for this transaction - [INSPECTOR-4185] Null Network Card Transactions". (Below Threshold) Dispute ID: 10033821 DND: 2023-05-05 Non Reg E - Non-Receipt of Goods or Services Case Decision:Chargeback Initiated VROL Case#: N/A Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Amazon amounting to $18.44. No Claim Cancellation. No Merchant Credit applied. Disputed transaction has no CB rights as below CB threshold. No recovery option available. No error found. Final letter sent with ZD#67128429. Case Closed. (Issued Provisional Credit) Dispute ID: 9866513 DND: 2023-04-23 Reg E - Transaction Was Cancelled Case Decision: Provisional Credit Issued Overall Investigation: No Claim Cancellation. No Merchant Credit applied. Provisional Credit issued. Letter sent with ZD #67133049. Case ongoing. (Consumer Dispute - Accepted by Acq ) Dispute ID: 9837814 DND: 2023-04-17 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case #:5254402284 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Shein.com amounting to $154.11. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5254402284 - Consumer Dispute - Accepted by Acq on 05/05/23. Error found. Chargeback Won. Case Close. Upon checking VROL , Response Timeframe Expired on, 100% Acquirer's Liability, CB won. Therefore, error found. Final letter sent with Zendesk. Case closed. (Consumer Dispute - Declined by Acq/ Has Full Merchant Credit ) Dispute ID: 9967027 DND: 2023-05-01 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5261199297 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Cafe De Bankok amounting to $237.32. No Claim Cancellation. No Claim Cancellation. Received Full Merchant Credit amounting to $237.32 Settled on 2023-05-02 with Admin Transaction ID #:94391983532. As per merchant, Consumer Dispute - Declined by Acq Representment has a compelling evidence. Therefore, Error found. Final Letter Sent. Case Closed. Decline by Acquirer-Chargeback Lost) Dispute ID: 9842595 DND: 2023-04-17 Reg E - Transaction Was Cancelled Case Decision: Deny VROL Case#: 5255061733 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Bespoke Post amounting to $56.02. No Claim Cancellation. No Merchant Credit applied. As per Merchant, CH order has been delivered to the delivery address that match our record and they have no record of any requests for a return to be set up and no return was set up by the customer on their website. PVC reversal on 2023-05-12. No error found. Final letter sent with ZD #67174424. Case Closed. (Below CB Threshold REG E) Dispute ID: 9727254 DND: 2023-04-06 Reg E - Transaction Was Cancelled Case Decision: Approve Overall Investigation: 3 Transaction Was Cancelled from Amazon for $37.77. Reg E. No merchant credit nor claim cancellation received. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent. Case Close. (Duplicate Charge - Deny / Provided the Adjustment's TXN ID for Original TXN) Dispute ID: 9701989 DND: 2023-04-08 Dispute Type: Debit- Reg E Duplicate Charge Case Decision: Denied VROL#: N/A **Overall Investigation: 1 Duplicate Charge from PROGRESSIVE INSU CE for $467.98. Reg E. No merchant credit nor claim cancellation received. Sent Add Info Letter with ZD#65812122‬. CH did not respond. Unable to initiate CB. Upon checking the Galileo Tool under account details, the provided Original Duplicate Charged type is Adjustment. Therefore, No Error Found. PVC reversal on 2023-05-12. Case closed. (Consumer Dispute - Accepted by Acq ) Dispute ID: 9788832 DND: 2023-04-23 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case #: 5260743073 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Chili's amounting to $59.43. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5260743073 - Consumer Dispute - Accepted by Acq on 05/05/23. Error found. Chargeback Won. Final letter sent with ZD #67176341. Case Close. (Consumer Dispute - Declined by Acq) Dispute ID: 9883805 DND: 2023-04-21 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5263909593/ 5263909596 Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Aprilmiracle Com and Careaboutmiracles Com amounting to $88.98 in total. No Claim Cancellation. No Merchant Credit applied. As per Merchant, The customer was shown the refund and cancellation policies during check out under Terms and Conditions for Refund Policy disclosure. Name, email and phone number provided matched on our records. Tracking number LR036438306CN shows Parcel has been successfully delivered on 31/03/2023 as compelling evidence. No error found. Final letter sent with ZD #67543171. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9868452 DND: 2023-04-20 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5263719546 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with E Bay O amounting to $847.50. No Claim Cancellation. No Merchant Credit applied. As per Merchant, this transaction was delivered to the cardholder at the address provided during the transaction. as a result, the cardholder has received the merchandise. Tracking number 381730658 was Delivered On: 04/17/2023as a compelling evidence. No error found. Final letter sent with ZD #67543911. Case Closed. (Processing Error Dispute - Declined by Acq ) Dispute ID: 10025373 DND: 2023-05-05 Reg E - Incorrect Amount Charged Case Decision: Deny VROL Case#:5263890767 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Bath And Body Works amounting to $63.85. Amount supposed to be charge is $20.00 Remaining disputed amount is $43.85. No Claim Cancellation. No Merchant Credit applied. Merchant provided compelling evidence as Transaction receipt shows with specific breakdown of charges. No error found. Final letter sent with ZD #67544373. PVC Reversal on 2023-05-19. Case Closed. Case Decision: Deny No error found. Final letter sent with ZD #67544373. PVC Reversal on 2023-05-19. Case Closed. (Consumer Dispute - Declined by Acq / Pre Arb- Uncompelling evidence) Dispute ID: 9808200 DND: 2023-04-14 Non Reg E - Non-Receipt of Goods or Services Case Decision: Pre-Arb Initiated VROL Case#: 5253488613 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Akebicycle Com for $71.46. No Claim Cancellation. No Merchant Credit. As per checking VROL #5253488613, Declined by acquirer. Upon checking the representment provided, there is no valid tracking number as a proof that the item has been delivered or not. Uncompelling evidence. Pre-arb initiated. Case Ongoing. Important Notes: (Incorrect Amount charge Format) Overall Investigation: Ch filed 1 Incorrect Amount Charged. No merchant credit nor claim cancellation received. Reg-Z. Not eligible for PVC. Amount supposed to be charge is $73.47. Remaining disputed amount is $96.91. Process chargeback. Case ongoing. (MCC 5542) transaction has no CB rights, have an MCC of 5542 no recovery options available. Claim will be write off as error found in line with our policy for Reg E claims with no CB rights. Final letter sent with Zendesk . Case closed. (Deny) Dispute ID: 9812796 DND: 2023-04-15 Reg E - Incorrect Amount Charged Case Decision: Deny VROL Case#: N/A Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Kaykel Baseline amounting to $50.54. No Claim Cancellation. No Merchant credit applied. CH did not respond to ZD #66482968. Unable to proceed with chargeback, No amount suppoed to be charged to use for CB. No error found. Final letter sent with ZD #67549418. PVC reversal on 2023-05-19. Case closed. (Deny) Dispute ID: 9920995 DND: 2023-04-25 Reg E - Duplicate Charge Case Decision: Deny VROL Case #: N/A Overall Investigation: CH disputes (1) for Duplicate Charge with Liveme America Inc amounting to $99.98. Sent additional info with ZD #66590696 However, No response from cardholder. Unable to file chargeback since CH cannot identify original transaction. Therefore, No error found. No recovery option. Final letter sent. Case Closed. (Consumer Dispute - Accepted by Acq) Dispute ID: 9825979 DND: 2023-04-16 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: 5254220197/5254211386 Overall Investigation: CH disputes (2) for Transaction Was Cancelled with Hellofresh amounting to $101.92 in total. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5254220197/ 5254211386 - Consumer Dispute - Accepted by Acq on 05/15/23. Error found. Chargeback Won. Final letter sent with ZD #67632180. Case Closed. (Consumer Dispute - Pre-Arb Response Accepted Full by Acq) Dispute ID: 9946990 DND: 2023-04-27 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5259613248 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Fengbest, LLC amounting to $45.48. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5259613248 - Consumer Dispute - Pre-Arb Response Accepted Full by Acq on 05/14/23. Error found. Pre-Arb Won. Final letter sent with ZD #67632827. Case Closed. (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 9826088 DND: 2023-04-16 Reg E - Duplicate Charge Case Decision: Approve VROL Case#: 5254228553 Overall Investigation: CH disputes (1) for Duplicate Charge with Onemain Financial Grp amounting to $288.21. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5254228553 - Processing Error Dispute - Accepted by Acquirer on 05/15/23. Error found. Chargeback Won. Final letter sent with ZD #67633494. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9807988 DND: 2023-04-14 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5260669727 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Amazon amounting to $67.16. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5260669727 - Consumer Dispute - Declined by Acq on 05/15/2023. As per Merchant, The customer accepted the merchandise as is and no complaints of tampering or damage were recorded when the merchandise was delivered. The merchandise delivered matches the listing on Amazon and is as ordered by the customer. Billing address and last 4 digit of card used for payment matched on our records. Merchandise was shipped via Amazon under Tracking number TBA306153131679 and it was successfully delivered on 2023/04/08 as a compelling evidence. No error found. Final letter sent with ZD #67634338. Case Closed. (Consumer Dispute - Accepted by Acq ) Dispute ID: 10120853 DND: 2023-05-13 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5267433351 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Rh Canounlys Com amounting to $29.39. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5259613248 - Consumer Dispute - Accepted by Acquirer on 05/14/23. Error found. Chargeback Won. Final letter sent with ZD #67638542. Case Closed. (Consumer Dispute - Pre-Arb Response Accepted Full by Acq) Dispute ID: 9808200 DND: 2023-04-14 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5253488613 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Akebicycle Com for $71.46. No Claim Cancellation. No Merchant Credit. As per checking VROL # 5253488613 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/14/23. Error found. Chargeback Won. Final letter sent with ZD #67638690. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9842184 DND: 2023-04-17 Reg E - Transaction Was Cancelled Case Decision: Deny VROL Case#: 5263903890 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Wix*Wix.com amounting to $207.36. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5263903890 - Consumer Dispute - Declined by Acquirer on 05/13/2023. As per Merchant, the shopper authorized, requested and received the product(s) and service(s) purchased. At the time of purchase, the shopper agreed to the following agreement(s). This implies that CH had not reached out to merchant to cancel the service before receiving the service as a compelling evidence. No error found. Final letter sent with ZD #67639143. PVC reversal on 2023-05-22. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 10033973 DND: 2023-05-05 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5264127669 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Sprint *Wireless amounting to $44.21. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5264127669 - Consumer Dispute - Declined by Acquirer on 05/13/2023. As per Merchant, Sprint is a cellular phone service provider. The charges are either for monthly service charges, usage, the purchase of a cellular phone and/or cellular phone accessories, or other services as a compelling evidence. No error found. Final letter sent with ZD #67640601. Case Closed. (Consumer Dispute - Accepted by Acq) Dispute ID: 9916422 DND: 2023-04-24 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5258519455 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Zoomescooters Com amounting to $621.92. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5258519455 - Consumer Dispute - Accepted by Acquirer on 05/14/23. Error found. Chargeback Won. Final letter sent with ZD #67640732. Case Closed. (Consumer Dispute - Accepted by Acq) Dispute ID: 9818989 DND: 2023-04-21 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case#:5264662675 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Apple amounting to $59.99. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5264662675 - Consumer Dispute - Accepted by Acquirer on 05/14/23. Error found. Chargeback Won. Final letter sent with ZD #67640808. Case Closed. (Consumer Dispute - Accepted by Acq) Dispute ID: 10120758 DND: 2023-05-13 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5267433348 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Phnvmsi amounting to $49.98. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5267433348 - Consumer Dispute - Accepted by Acquirer on 05/14/23. Error found. Chargeback Won. Final letter sent with ZD #67640880. Case Closed. (Consumer Dispute - Accepted by Acq) Dispute ID: 9946803 DND: 2023-04-27 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5259608816 Overall Investigation: CH disputes (1) for (Non-Receipt of Goods or Services with Plentyof Fish Media LLC amounting to $39.99. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5259608816 - Consumer Dispute - Accepted by Acquirer on 05/16/23. Error found. Chargeback Won. Final letter sent with ZD #67818452. Case Close. (Consumer Dispute - Accepted by Acq) Dispute ID: 9969627 DND: 2023-04-29 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL#:5260476047 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Dehoop amounting to $39.90. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5260476047 - Consumer Dispute - Accepted by Acquirer on 05/16/23. Error found. Chargeback Won. Final letter sent with ZD #67818772. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9820651 DND: 2023-04-15 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5258493430 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Sunset Inn And Suites amounting to $110.52. No Claim Cancellation. No Merchant Credit applied. As per checking VROL Case #:Consumer Dispute - Declined by Acquirer on 05/17/23. As per Merchant, customer stayed with us on 04/11/2023 and had two rooms and later in the evening she came to Front Desk and stated her son was sick and had to leave. The room was used and un-rentable. Cardholder did stay with us and these charges are correct and must stay in effect. Name, Address, Last four digit of the card and phone number matched our record as compelling evidence. No error found. Final letter sent with ZD #67820146. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9965719 DND: 2023-04-29 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5261121685/ 5261109440 Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Uber * Eats Pending amounting to $54.96 in total. No Claim Cancellation. No Merchant Credit applied. As per checking VROL Case #:5261121685 and 5261109440, Consumer Dispute - Declined by Acquirer on 05/16/23. As per Merchant, this transaction was delivered to the cardholder at the address provided during the transaction. as a result, the cardholder has received the goods. Last four digits used in this transaction matched our records. Transaction receipt shows with specific breakdown of charges. No error found. Final letter sent with ZD #67820802. Case Closed. (Consumer Dispute - Response Timeframe Expired - 100% Acq Liability) Dispute ID: 9826379 DND: 2023-04-16 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5253785232 Overall Investigation: CH disputes (1) Non-Receipt of Goods or Services with Villain Arts for $56.00. No Claim Cancellation. No Merchant Credit applied. Upon checking VROL Case#:5253785232, Consumer Dispute - Response Timeframe Expired 100% Acquirer's Liability on 05/18/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #67821319. Case closed. (Consumer Dispute - Response Timeframe Expired - 100% Acq Liability) 04/23/23 Dispute ID: 9766414 DND: 2023-04-11 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case #: 5253779542 Overall Investigation: CH disputes (1) Non-Receipt of Goods or Services with 1 Stop Bedrooms for $297.93. No Claim Cancellation. No Merchant Credit applied. Upon checking VROL Case#:5253779542, Consumer Dispute - Response Timeframe Expired 100% Acquirer's Liability on 04/23/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #67821476. Case closed. (Consumer Dispute - Response Accepted Full by Acq) Dispute ID: 9863714 DND: 2023-04-19 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5255676888 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Princess Polly amounting to $51.00. No Claim Cancellation. No Merchant Credit applied. As per checking VROL #5255676888 - Consumer Dispute - Response Accepted Full by Acquirer on 05/16/23. Error found. Chargeback Won. Final letter sent with ZD #67823824. Case Closed. (Auth Expired) Dispute ID: 10047505 DND: 2023-05-06 Reg E - Duplicate Charge Case Decision: Deny VROL Case#: N/A Overall Investigation: CH disputes (1) for Duplicate Charge with Best Western Heritage amounting to $127.33. As per Galileo, The Original transaction Authorization was expired for claims amounting $227.33 ID:7196710079 and $241.48 ID:7187268065 Therefore, No duplicate transaction happened. No error found. Final letter sent with ZD #67825936. Case Closed. (Processing Error Dispute - Declined by Acq) 05/16/23 Dispute ID: 10047264 DND: 2023-05-06 Reg E - Incorrect Amount Charged Case Decision: Deny VROL Case#: 5263890892 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Cash App*Marc Jacob amounting to $135.00. No Claim Cancellation. No Merchant Credit applied. Amount supposed to be charge is $100.00 Remaining disputed amount is $35.00. As per VROL Case #5263890892, Processing Error Dispute - Declined by Acquirer on 05/16/23. As per Merchant, Transaction involves P2P payment using SQ cash. CH using a device phone number matched on our records. Authorized payment of $35.00 to recipient. CH fully authorized payment at time of transfer. CH fully authorized payment and received goods/services in full. Sender and recipient have had 12 previous transactions more than one month ago as compelling evidence. No error found. Final letter sent with ZD #67826255. PVC reversal on 2023-05-25. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9797879 DND: 2023-04-13 Reg E - Transaction Was Cancelled Case Decision: Deny VROL Case #: 5263936684 Overall Investigation: CH disputes (1) for ransaction Was Cancelled with Dd Doordash Tacobell amounting to $38.59. No Claim Cancellation. No Merchant Credit applied.As per VROL Case #5263936684. Consumer Dispute - Declined by Acquirer on 05/16/2023. As per merchant, CH did not communicate with the Merchant customer service team regarding their order. Customer accepted DoorDash Terms and Conditions (which includes our refund policy) when they created their account on DoorDash. Phone number CH use matched our records. The evidence provided that the Merchant processed and fulfilled this customer order correctly. Representment has a compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67827225. PVC reversal on 2023-05-26. Case Closed. (Processing Error Dispute - Declined by Acq) Dispute ID: 9841615 DND: 2023-04-17 Reg E - Paid for Goods/Services By Other Means Case Decision: Deny VROL Case#: 5263676136 Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Cash App*Carlee amounting to $500.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case #5263676136 - Processing Error Dispute - Declined by Acquirer on 05/15/2023. As per Merchant, Sender and recipient have had 62 previous transactions more than one month ago. CH fully authorized payment at a time of transfer. Ch fully authorized payment and received goods/services in full. Representment has a compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #. PVC reversal on 2023-05-26. Case Closed. (Processing Error Dispute - Declined by Acquirer) Dispute ID: 9798011 DND: 2023-04-13 Reg E - Incorrect Amount Charged Case Decision: Deny VROL Case#: 5263922985 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Hilton Greenville amounting to $300.38. Amount supposed to be charge is $200.38. Remaining disputed amount is $100.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case #5263922985, Processing Error Dispute - Declined by Acquirer on 05/15/23. As per Merchant, The guest was charged exactly what they were excpecting when they checked in, and, as such, the guest's claim that they were charged incorrectly and this chargeback are not legitimate. We do have surveillance at multiple locations through out the hotel and can provide footage of the guest checking on and leaving if required. Merchant provided a receipt showing breakdown of total charges as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67827842. PVC reversal on 2023-05-26. Case Closed. (Consumer Dispute - Declined by Acq) 05/15/23 Dispute ID: 9873684 DND: 2023-04-20 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5256262700 / 5256262793 Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Shein.com amounting to $314.28. No Claim Cancellation. No Merchant Credit applied. As per VROL Case #5256262700 and 5256262793 - Consumer Dispute - Declined by Acquirer on 05/15/23. As per Merchant, Package has been successfully delivered on the address provided for Tracking number: 1ZA15888YW93032282l and D10013752739797 as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67828213. Case Closed. (Response Timeframe Expired 100% Acquirer's Liability) Dispute ID: 9829265 DND: 2023-04-16 Reg E - Duplicate Charge Case Decision: Approve VROL#: 5254344295 Overall Investigation: CH disputes (1) for Duplicate Charge with Boost Mobile amounting to $85.00. No Claim Cancellation. No Merchant Credit applied. Filed Chargeback. Chargeback Won. Response Timeframe Expired 100% Acquirer's Liability. Error found. Final letter sent with Zendesk #67828375. Case closed. (Full Merchant credit) Dispute ID: 10177763 DND: 2023-05-18 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case #: N/A Overall Investigation: CH disputes (3) for Goods/Services Not As Described with New Tools Prosperity In, New Tools Forever Access, and New Tools New Tools amounting to $69.39 in total. No Claim Cancellation. Received full merchant credit amounting to $69.39 in total Settled on 2023-05-19 with Admin Transaction ID #92490215591 for $21.03, 92490215601 for $9.46, and 92490215587 for $38.90. Therefore, Error found. Final Letter Sent with ZD #:67879214. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9928088 DND: 2023-04-25 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5264734344 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Sports One Bar And Lounamounting to $43.02. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5264734344 - Consumer Dispute - Declined by Acquirer on 05/18/23. As per Merchant, This customer was here at our location and did receive what they ordered. They verified their amount and receiving all of their items when they signed the printed receipt. They did not disclose any issues to us. Merchant provided a receipt showing a breakdown of charges as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67879773. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9972541 DND: 2023-04-29 Reg E - Transaction Was Cancelled Case Decision: Deny VROL Case#: 5267672841 Overall Investigation: CH disputes (2) for Transaction Was Cancelled with Rocketlaw amounting to $40.99 in total. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267672841 - Consumer Dispute - Declined by Acquirer on 05/18/23. For TXN ID 9398974070, Close as No error found as representment shows CH did not reach out to cancel the transaction. As per Merchant, Customer did not contact customer serrvice to cancel their account or request a refund. They are able to call/chat/email merchant on the given working hours provided to cancel as well or to log into their account to cancel anytime. This customer never utilized any of these options. CH did not cancel and entered the membership on 04/23/2023. CH did not comply with our cancellation terms and policies as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67880487. PVC reversal on 2023-05-26. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9947168 DND: 2023-04-27 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5267465430 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Cube By Sue amounting to $124.83. No Claim Cancellation. No Merchant Credit applied. As per Merchant, Consumer Dispute - Declined by Acquirer on 05/19/23. Customer used debit card that requires pin number to finalize transaction of $124.83. Upon reviewing our records, it indicate that this person bought 1x earings, 2x cardigan with embriodery, 1x evening purse. CH mentioned as well the she bought "Jeans" which we don't sell at our store. Customer might be confused as to what she is really disputing her charges for. Overall, we do not accept this dispute and this charge should remain as legitimate purchase. Merchant provided a receipt showing a breakdown of charges as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67881226. Case Closed. (Consumer Dispute - Declined by Acquirer) 05/19/23 Dispute ID: 9907409 DND: 2023-04-24 Reg E - Credit Not Posted Case Decision: Deny VROL Case#: 5263722060 Overall Investigation: CH disputes (1) for Credit Not Posted with Uber Eats amounting to $76.34. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5263722060 - Consumer Dispute - Declined by Acquirer on 05/19/23. Merchant provided a receipt showing a total breakdown of charges as compelling evidence and Address matched on our records. Therefore, No Error found. Final Letter Sent with ZD #67881226. PVC reversal on 2023-05-26. Case Closed. (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 9885202 DND: 2023-04-21 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5256745258 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Tommys Tavern + Tap amounting to $120.00. Amount supposed to be charge is $48.00. Remaining disputed amount is $72.00.No Claim Cancellation. No Merchant Credit applied. As per VROL#: 5256745258 - Processing Error Dispute - Accepted by Acq on 05/19/23. Error found. Chargeback Won. Final Letter Sent with ZD #67882269. Case Closed. (Consumer Dispute - Accepted by Acquirer ) Dispute ID: 9798457 DND: 2023-04-13 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case#: 5257262010 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Whataburger amounting to $32.50. No Claim Cancellation. No Merchant Credit applied. As per VROL Case #: 5257262010 - Consumer Dispute - Accepted by Acquirer on 05/19/23. Error found. Chargeback Won. Final Letter Sent with ZD #67882953. Case Closed. (Consumer Dispute - Declined by Acquirer- Pre Arb) Dispute ID: 9890871 DND: 2023-04-22 Non Reg E - Non-Receipt of Goods or Services Case Decision:Pre-Arb Initiated VROL Case#: 5256969253 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Live Aquaponics amounting to $99.95. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256969253 - Consumer Dispute - Declined by Acquirer on 05/19/23. Upon checking the representment provided by the merchant, No valid tracking number provided on this certain transaction to verify if the goods/service was received. Uncompelling evidence. Pre-arb initiated. Case ongoing. (Full merchant credit) Dispute ID: 10181565 DND: 2023-05-19 Non Reg E - Merchandise Was Returned Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Merchandise Was Returned with Amazon amounting to $151.77. No Claim Cancellation. Received full merchant credit amounting to $151.77 Settled on 2023-05-19 with Admin Transaction ID #:94467675729. Therefore, Error found. Final Letter Sent with ZD #:67885292. Case Closed. (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 9899459 DND: 2023-04-23 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5257128523 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Intuit Turbotax amounting to $204.58. No Claim Cancellation. No Merchant Credit applied. As per VROL Case #5257128523 - Processing Error Dispute - Accepted by Acquirer on 05/19/23. Error found. Chargeback Won. Final Letter Sent with ZD #67886510. Case Closed. (Below CB Threshold) Dispute ID: 10190300 DND: 2023-05-19 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Logans Roadhouse amounting to $58.52. Amount supposed to be charge is $54.52. Remaining disputed amount is $4.00. No Claim Cancellation. No Merchant Credit applied. Disputed transaction doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent. Case Closed. (Consumer Dispute - Accepted by Acq) Dispute ID: 9884242 DND: 2023-04-22 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: 5260694077 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Flix amounting to $102.19 . No Claim Cancellation. No Merchant Credit applied. As per VROL Case #5260694077 - Consumer Dispute - Accepted by Acq on 05/19/23. Error found. Chargeback Won. Final Letter Sent with ZD #67922740. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9921062 DND: 2023-04-25 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5263945590 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Eb Rep Your Flag Tour amounting to $46.56. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5263945590 - Consumer Dispute - Declined by Acquirer on 05/20/23. As per Merchant, CH authorized purhase of event ticket(s). Paid by last 4 digits of card number matched on our records. Delivery of Electronic ticket(s) completes, in full, stated services per Eventbrite Terms of Service. Eventbrite is a self service tool, meaning the organizer sets up their entire event page and executes all of the communication before and after the event through our service. per our Terms of service, our event organizers manage their own refunds and set their own refund policies. As such, Eventbrite cannot process refunds on their behalf as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67923042. Case Closed. (Consumer Dispute - Declined by Acq ) Dispute ID: 9797310 DND: 2023-04-13 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5261134063 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Nike amounting to $82.39. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5261134063 - Consumer Dispute - Declined by Acquirer on 05/20/23. As per Merchant, order shipped and delivered to customer. We have a short period once an order is placed to cancel as we begin to process order immediately. this is provided in our terms and conditions on Nike.com. In addition, consumers must accept terms and conditions prior to submitting the order request. The only way an order is placed, is if they click the submit button after agreeing to the terms and conditions. Consumer can return the product within 30 days for any reason. Item(s) have not been received back at our warehouse; therefore, no refund is due. Tracking number 1ZV1151Y0336888400. Address provided matched our records as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #67923261. Case Closed. (Consumer Dispute - Accepted by Acq ) Dispute ID: 9816331 DND: 2023-04-17 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: 5263923596 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Lyft amounting to $36.81. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5263923596 - Consumer Dispute - Accepted by Acq on 05/21/23. Error found. Chargeback Won. Final Letter Sent with ZD #67927108. Unable to transition chargeback in Inspector due to Inspector Error "Chargeback can't be initiated for this transaction - [INSPECTOR-4185] Null Network Card Transactions".Case Closed. (Consumer Dispute - Pre-Arb Response Accepted Full by Acq ) Dispute ID: 9890871 DND: 2023-04-22 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5256969253 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Live Aquaponics amounting to $99.95. No Claim Cancellation. No Merchant Credit applied. As per checking VROL # 5256969253 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/20/23. Error found. Pre-Arb Won. Final letter sent with ZD #67927200. Case Closed. (Processing Error Dispute - Declined by Acq) Dispute ID: 9940152 DND: 2023-04-27 Reg E - Incorrect Amount Charged Case Decision: Deny VROL Case#: 5259179372 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Amer. Health Acad. Cpr amounting to $40.38. Amount supposed to be charge is $12.95. Remaining disputed amount is $27.43. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5259179372 - Processing Error Dispute - Declined by Acquirer on 05/21/23. As per Merchant, CH authorized the transaction by using the last 4 digit of the card, email address and full name matched our records provided a valid transaction receipt showing breakdown of charges as compelling evidence. No error found. Final letter sent with ZD #67955115. PVC reversal on 2023-05-26. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9969742 DND: 2023-04-29 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5267763183 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Six Flags New England amounting to $60.91. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267763183 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per Representment, The received dispute is invalid as all the services are available by Six Flags. CH purchased 1 Daily Ticket. We see that tickets are valid for 2023 season. Ticket holder can visit the park and avail the services for 2023 season & hence this charge stands valid. Season passes are non-refundable and cannot be canceled or refunded after the purchase. CH agreed with terms and conditions at the time of purchase by clicking on the check box as compelling evidence. No error found. Final letter sent with ZD #67955532. PVC reversal on 2023-05-26. Case Closed. (Consumer Dispute - Declined by Acquirer - Pre-Arb Initiated) Dispute ID: 9899517 DND: 2023-04-23 Non Reg E - Non-Receipt of Goods or Services Case Decision: Pre-Arb initiated VROL Case#: 5257119318 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Realgreatn* amounting to $70.97. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257119318 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per Representment, merchant only provided order details and customer details provided the CH full name, email address and shipping address matched our records. However, there is no further information provided that the merchandise has been delivered since there is no tracking number provided as Uncompelling evidence. Pre-arb initiated. Case ongoing. (Below Cb Threshold) Dispute ID: 10201559 DND: 2023-05-20 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: N/A Overall Investigation: CH disputes (3) for Non-Receipt of Goods or Services with Lyft *Ride Fri 7 Am and Lyft amounting to $67.72 in total. No Claim Cancellation. No Merchant Credit applied. Disputed transactions has no CB rights as below CB threshold. No recovery option available. No error found. Final letter sent with ZD#67960006. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9910378 DND: 2023-04-24 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5257680829 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Monamour amounting to $49.99. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257680829 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per representment, Tracking number 1ZWV2957YW56989864 shows item has been successfully delivered on 2023-04-23 as compelling evidence. No error found. Final letter sent with ZD #67960178. Case Closed. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9923642 DND: 2023-04-25 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: 5267465175 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Fastrak Csc amounting to $75.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267465175 - Consumer Dispute - Accepted by Acquirer on 05/21/23. Error found. Chargeback Won. Final Letter Sent with ZD #67960276. Case Closed. (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9682212 DND: 2023-04-08 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 2324981783 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Dd Doordash Sonicdriv amounting to $48.43. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 2324981783, Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/21/23. Error found. Pre-Arb Won. Final letter sent with ZD #67960367. Case Close. (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9759600 DND: 2023-04-10 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5256949913 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Noblemars amounting to $254.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256949913 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/21/23. Error found. Pre-Arb Won. Final letter sent with ZD #67960467. Case Closed. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9844437 DND: 2023-04-25 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case#: 5267480100 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Cash App*Bonnie Rus amounting to $60.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267480100 - Consumer Dispute - Accepted by Acquirer on 05/21/23. Error found. Pre-Arb Won. Final letter sent with ZD #67960904. Case Closed. (Full merchant Credit) Dispute ID: 10175790 DND: 2023-05-21 Reg E - Paid for Goods/Services By Other Means Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Doordash amounting to $96.00. No Claim Cancellation. Received Full Merchant Credit amounting to $96.00 Settled on 2023-05-20 with Admin Transaction ID #:92493787021. Therefore, Error found. Final Letter Sent with ZD #:67961328. Case Closed. (Processing Error Dispute - Declined by Acq) Dispute ID: 9940152 DND: 2023-04-27 Reg E - Incorrect Amount Charged Case Decision: Deny VROL Case#: 5259179372 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Amer. Health Acad. Cpr amounting to $40.38. Amount supposed to be charge is $12.95. Remaining disputed amount is $27.43. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5259179372 - Processing Error Dispute - Declined by Acquirer on 05/21/23. As per Merchant, CH authorized the transaction by using the last 4 digit of the card, email address and full name matched our records provided a valid transaction receipt showing breakdown of charges as compelling evidence. No error found. Final letter sent with ZD #67955115. PVC reversal on 2023-05-26. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9969742 DND: 2023-04-29 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5267763183 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Six Flags New England amounting to $60.91. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267763183 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per Representment, The received dispute is invalid as all the services are available by Six Flags. CH purchased 1 Daily Ticket. We see that tickets are valid for 2023 season. Ticket holder can visit the park and avail the services for 2023 season & hence this charge stands valid. Season passes are non-refundable and cannot be canceled or refunded after the purchase. CH agreed with terms and conditions at the time of purchase by clicking on the check box as compelling evidence. No error found. Final letter sent with ZD #67955532. PVC reversal on 2023-05-26. Case Closed. (Consumer Dispute - Declined by Acquirer - Pre-Arb Initiated) Dispute ID: 9899517 DND: 2023-04-23 Non Reg E - Non-Receipt of Goods or Services Case Decision: Pre-Arb initiated VROL Case#: 5257119318 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Realgreatn* amounting to $70.97. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257119318 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per Representment, merchant only provided order details and customer details provided the CH full name, email address and shipping address matched our records. However, there is no further information provided that the merchandise has been delivered since there is no tracking number provided as Uncompelling evidence. Pre-arb initiated. Case ongoing. (Below Cb Threshold) Dispute ID: 10201559 DND: 2023-05-20 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: N/A Overall Investigation: CH disputes (3) for Non-Receipt of Goods or Services with Lyft *Ride Fri 7 Am and Lyft amounting to $67.72 in total. No Claim Cancellation. No Merchant Credit applied. Disputed transactions has no CB rights as below CB threshold. No recovery option available. No error found. Final letter sent with ZD#67960006. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9910378 DND: 2023-04-24 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5257680829 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Monamour amounting to $49.99. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257680829 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per representment, Tracking number 1ZWV2957YW56989864 shows item has been successfully delivered on 2023-04-23 as compelling evidence. No error found. Final letter sent with ZD #67960178. Case Closed. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9923642 DND: 2023-04-25 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: 5267465175 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Fastrak Csc amounting to $75.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267465175 - Consumer Dispute - Accepted by Acquirer on 05/21/23. Error found. Chargeback Won. Final Letter Sent with ZD #67960276. Case Closed. (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9682212 DND: 2023-04-08 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 2324981783 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Dd Doordash Sonicdriv amounting to $48.43. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 2324981783, Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/21/23. Error found. Pre-Arb Won. Final letter sent with ZD #67960367. Case Close. (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9759600 DND: 2023-04-10 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5256949913 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Noblemars amounting to $254.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256949913 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/21/23. Error found. Pre-Arb Won. Final letter sent with ZD #67960467. Case Closed. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9844437 DND: 2023-04-25 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case#: 5267480100 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Cash App*Bonnie Rus amounting to $60.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5267480100 - Consumer Dispute - Accepted by Acquirer on 05/21/23. Error found. Pre-Arb Won. Final letter sent with ZD #67960904. Case Closed. (Full merchant Credit) Dispute ID: 10175790 DND: 2023-05-21 Reg E - Paid for Goods/Services By Other Means Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Doordash amounting to $96.00. No Claim Cancellation. Received Full Merchant Credit amounting to $96.00 Settled on 2023-05-20 with Admin Transaction ID #:92493787021. Therefore, Error found. Final Letter Sent with ZD #:67961328. Case Closed. ************************************************** (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9899517 DND: 2023-04-23 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5257119318 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Realgreatn* amounting to $70.97. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257119318 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/22/23. Error found. Pre-Arb Won. Final letter sent with ZD #68008028. Case Closed. (Full Merchant Credit) Dispute ID: 10187684 DND: 2023-05-21 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Wendy's amounting to $54.40. Amount supposed to be charge is $5.54. Remaining disputed amount is $48.86‬. No Claim Cancellation. Received Full Merchant Credit for $54.40 Settled on 2023-05-22 with Admin Transaction ID 9496032191. Therefore, Error found. Final Letter Sent with ZD #:68011018. Case Closed. (Full Merchant credit) Dispute ID: 10198579 DND: 2023-05-21 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Jeremy's Downtown A amounting to $144.00. Amount supposed to be charge is $12.00. Remaining disputed amount is $132.00. No Claim Cancellation. Received Full Merchant Credit for $144.00 Settled on 2023-05-21 with Admin Transaction ID 97281208617. Therefore, Error found. Final Letter Sent with ZD #:68011274. Case Closed. (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 9808244 DND: 2023-04-14 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5257823843 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Public Storage amounting to $220.20. Amount supposed to be charge is $40.20. Remaining disputed amount is $180.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257823843 - Processing Error Dispute - Accepted by Acquirer on 05/20/23. Error found. Chargeback Won. Final Letter Sent with ZD #68012414. Case Closed. (Processing Error Dispute - Accepted by Acq) Dispute ID: 9920789 DND: 2023-04-25 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5258335876 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Residence Inn Oklahoma amounting to $124.41. Amount supposed to be charge is $62.20. Remaining disputed amount is 62.21. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5258335876 - Processing Error Dispute - Accepted by Acquirer on 05/21/23. Error found. Chargeback Won. Final Letter Sent with ZD #68012664. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10019399 DND: 2023-05-04 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5266717545 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Cash App Vivian Esc amounting to $90.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5266717545 - Consumer Dispute - Declined by Acquirer on 05/21/23. As per Representment, Phone number and email address that CH used matched our records. CH fully authorized payment at a time of transfer. CH fully authorized payment and received goods/services in full as compelling evidence. No error found. Final letter sent with ZD #68013130. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9951714 DND: 2023-04-27 Reg E - Paid for Goods/Services By Other Means Case Decision: Deny VROL Case#: 5266759780 Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Cash App Slimee Add amounting to $396.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5266759780 - Consumer Dispute - Declined by Acquirer on 05/20/23. As per Representment, Phone number and email address that CH use during the transaction matched our records. CH fully authorized payment at time of transfer. All credit belongs to SQ as the CH fully authorized this transaction Ch has offered no evidence of claims. No credit due. Therefore, No error found. Final letter sent with ZD #68013355. PVC reversal on 2023-05-30. Case Closed. (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9858766 DND: 2023-04-19 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5256264885 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with E Bay O amounting to $63.59. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256264885 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 05/20/23. Error found. Pre-Arb Won. Final letter sent with ZD #68015588. Case Closed. (Processing Error Dispute - Declined by Acq) Dispute ID: 10053359 DND: 2023-05-10 Reg E - Duplicate Charge Case Decision: Deny VROL Case#: 5266042737 Overall Investigation: CH disputes (1) for Duplicate Charge with Cash App*Nycholas T amounting to $444.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5266042737 - Processing Error Dispute - Declined by Acquirer on 05/20/23. As per Representment, The disputed transaction is a "Cash in" payment. Customers can elect to use their linked bank account, credit card, or debit card to add funds to their Cash account balance. This transaction was successfully completed. This is not a duplicate transaction. This was a unique, authorized transaction. Any previous or subsequent transactions were also authorized by the cardholder as described. Compelling evidence. No error found. Final letter sent with ZD #68015909. PVC reversal on 2023-05-30. Case Closed. (Processing Error Dispute - Declined by Acq) Dispute ID: 9474345 DND: 2023-04-14 Non Reg E - Merchandise Was Returned Case Decision: Deny VROL Case#: 5253491140 Overall Investigation: CH disputes (1) for Merchandise Was Returned with Superslim Mb14 amounting to $198.78. No Claim Cancellation. No Merchant Credit applied. Chargeback Initiated with VROL Case#. Case ongoing. As per VROL Case#: 5253491140 - Processing Error Dispute - Declined by Acquirer on 05/15/23. As per Representment, Customer contacted us to return products. Our agent provided return instructions and advised customer that the refund will be processed after we receive products back to our warehouse and after we check that all products are sealed and in good condition. however, customer never returned products back to us, merchandise is still in their possession. Compelling evidence. No error found. Final letter sent with ZD #68016112. PVC reversal on 2023-05-30. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9800960 DND: 2023-04-13 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5260728496 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Wf Wayfair amounting to $306.14. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5260728496 - Consumer Dispute - Declined by Acquirer on 05/16/23. As per representment, This dispute is invalid because CH was already given a discount to keep the merchandise that had minor damage. Because the cardholder accepted the discount to keep the merchandise, no refund is due. Returns process was not initiated and no items on the order have been returned. Return and cancellation Policies are included in our terms of use and are agreed upon by placing an order on our site. Compelling evidence. No error found. Final letter sent with ZD #68016531. Case Closed. (Consumer Dispute - Declined by Acq ) Erratum: Dispute ID: 10034753 DND: 2023-05-05 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5266091665 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Target amounting to $520.61. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5266091665 - Consumer Dispute - Declined by Acquirer on 05/20/23. As per Representment, The merchandise was delivered by FedEx on 05/03/2023 with tracking number 640210102355. As of today, there is no record of the CH returning the merchandise back to Target. Therefore, no additional credit is due. If the merchandise is defective, CH has still 05/30/2023 to return the merchandise back in-store for a refund. Compelling evidence. No error found. Final letter sent with ZD #68016806. Case Closed. (Consumer Dispute - Response Timeframe Expired - 100% Acq Liability) Dispute ID: 9425019 DND: 2023-04-01 Reg E - Paid for Goods/Services By Other Means Case Decision: Approve VROL Case#: 5255518415 Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Country Fisherman amounting to $35.49. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5255518415 - Consumer Dispute - Response Timeframe Expired - 100% Acq Liability on 05/21/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68016996. Case closed. (Consumer Dispute - Response Timeframe Expired - 100% Acq Liability ) Dispute ID: 9841376 DND: 2023-04-21 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5256751722 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Spr Slim*Ab18 amounting to $198.78. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256751722 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 04/27/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68017984. Case closed. (Consumer Dispute - Accepted by Acq ) Dispute ID: 10191107 DND: 2023-05-19 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 2328881596 / 2328881654 Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Ab Playpro amounting to $86.94 in total. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 2328881596 and 2328881654 - Consumer Dispute - Accepted by Acquirer on 05/23/23. Error found. Chargeback Won. Final letter sent with ZD #68196058. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 10047419 DND: 2023-05-06 Non Reg E - Merchandise Was Returned Case Decision: Deny VROL Case#: 2328146683 Overall Investigation: Overall Investigation: CH disputes (1) for Merchandise Was Returned with Doordash*Meijer amounting to $41.35. No Claim Cancellation. No Merchant Credit applied. aS PER VROL Case#: 2328146683 - Consumer Dispute - Declined by Acquirer on 05/23/23. As per Representment, CH did not communicate with the DoorDash customer service team regarding their order. CH accepted the DoorDash Terms and Conditions (which includes our refund policy) when they created their account on DoorDash. CH order has been delivered to the delivery address that match our record. The evidence provided indicates that we have processed and fulfilled this customer order correctly, and that this dispute is invalid. Merchant provided compelling evidence as Transaction receipt shows with specific breakdown of charges. Therefore, No error found. Final letter sent with ZD #68196665. Case Closed. (Consumer Dispute - Accepted by Acq ) Dispute ID: 9869054 DND: 2023-04-20 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: 5260555016 Overall Investigation: CH disputes (4) for Transaction Was Cancelled with Apple amounting to $60.57 in total. No Claim Cancellation. No Merchant Credit applied. Chargeback initiated on TXN ID 94323725506. Remaining disputed transactions doesn't have Chargeback rights since below chargeback threshold. As per VROL Case#: 5260555016 - Consumer Dispute - Accepted by Acquirer on 05/25/23. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent with ZD #68197252. Case Closed. (Processing Error Dispute - Response Timeframe Expired - 100% Acq Liability) Dispute ID: 9864097 DND: 2023-04-21 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5256928935 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Bioscience Cbd Online amounting to $129.99. Amount supposed to be charge is $64.99. Remaining disputed amount is $65.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256928935 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/24/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68197736. Case closed. (Processing Error Dispute - Response Timeframe Expired - 100% Acq Liability) Dispute ID: 9881042 DND: 2023-04-21 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5256928945 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Tavern On The Tracks amounting to $149.79. Amount supposed to be charge is $49.00. Remaining disputed amount is $100.79.No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256928945 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/24/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68197949. Case closed. (Processing Error Dispute - Response Timeframe Expired - 100% Acq Liability) Dispute ID: 9863644 DND: 2023-04-21 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5256928921 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Credit Acceptance amounting to $584.71. Amount supposed to be charge is $100.00. Remaining disputed amount is $484.71. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5256928921 - Processing Error Dispute - Response Timeframe Expired - 100% Acq Liability on 05/24/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68198176. Case closed. (Consumer Dispute - Declined by Acq ) Dispute ID: 9810288 DND: 2023-04-14 Non Reg E - Non-Receipt of Goods or Services Case Decision: VROL Case#: 5263705360 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Rps Service Sta amounting to $113.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5263705360 - Consumer Dispute - Declined by Acquirer on 05/25/23. As per Representment, Merchant provided a compelling evidence by showing Transaction receipt with specific breakdown of charges. There was two applicants and the service was provided. the outcome was both applicants were not approved. This was a valid charge and service was provided as per application. Therefore, No error found. Final letter sent with ZD #68198671. Case Closed. (Consumer Dispute - Response Timeframe Expired - 100% Acq Liability ) Dispute ID: 9786932 DND: 2023-04-12 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case#: 5257257076 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Yps 125 Davenport L amounting to $500.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5257257076 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/25/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68199899. Case closed. (Consumer Dispute - Declined by Acq) Dispute ID: 9825905 DND: 2023-04-16 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 5263710206 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Blue Point Crab House amounting to $39.74. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5263710206 - Consumer Dispute - Declined by Acquirer on 05/25/23. As per representment, CH purchased crabs and shrimp after looking at them in showcase. CH can check out purchase when they received them. Merchant will refund or give replacement on the seafood if customer calls or returns with product. Merchant did not receive calls or complaints on this purchased as compelling evidence. Therefore, No error found. Final letter sent with ZD #68200539. Case Closed. (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/04/23) Dispute ID: 9969699 DND: 2023-04-29 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5260481122 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Kixstock amounting to $36.88. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5260481122 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/04/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68592969. Case closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10034284 DND: 2023-05-05 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case #: 5270164131 Overall Investigation: CH disputes (2) for Goods/Services Not As Described with Dd Doordash Wawa and Dd Doordash Dairyquee amounting to $31.78 in total. No Claim Cancellation. No Merchant Credit applied. Transaction 9435255151 canceled as requested by member. One transaction remains. As per VROL Case #: 5270164131 - Consumer Dispute - Declined by Acquirer on 05/30/23. As per Representment, CH accepted Terms and Conditions when they created their account on Doordash (which includes our Refund and Cancellation Policy. Email, Phone number and Address matched our records. CH did not communicate with the merchant customer service regarding their order issues. The evidence provided indicates that we have processed and fulfilled this customer order correctly, and that this dispute is invalid as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68594028. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10190255 DND: 2023-05-19 Non Reg E - Goods/Services Not As Described Case Decision: Deny VROL Case#: 2330867745 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with E Bay O* amounting to $91.51. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 2330867745 - Consumer Dispute - Declined by Acquirer on 05/30/23. As per Representment, Merchant is unable to proceed with refund since they dont have any records of return from CH although Merchant's return address was already provided as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68594594. Case Closed. (Consumer Dispute - Declined by Acquirer/ Has full Merchant Credit) Dispute ID: 10120974 DND: 2023-05-13 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 2332135289 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Zip.Co* Quadpay Anywhe amounting to $54.50. No Claim Cancellation. Received Full Merchant Credit amounting to $54.50 Settled on 2023-05-14 with Admin Transaction ID #:97242946235. As per VROL Case#: 2332135289 - Consumer Dispute - Declined by Acquirer on 05/30/23. Representment has a compelling evidence. Therefore, Error found. Final Letter Sent with ZD #68595157. Case Closed. (Below CB Threshold) Dispute ID: 10313743 DND: 2023-05-31 Reg E - Transaction Was Cancelled Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (4) for Transaction Was Cancelled with Apple amounting to $44.41 in total. No Claim Cancellation. No Merchant Credit applied. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent with ZD #68597521. Case Closed. (Below CB Threshold) Dispute ID: 10313817 DND: 2023-05-31 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Gencenneral Ge amounting to $58.97. Amount supposed to be charge is $47.18. Remaining disputed amount is $11.79‬. No Claim Cancellation. No Merchant Credit applied. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent with ZD#68597964. Case Closed. (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9920850 DND: 2023-04-25 Debit/ Non Reg E - Merchandise Was Returned Overall Investigation: CH disputes (1) for Merchandise Was Returned with Car Computer Exchange amounting to $278.95. No Claim Cancellation. Received Partial Merchant Credit amounting to $138.95 Settled on 2023-04-26 with Admin Transaction ID #:94364153771. As per ROL Case Number: 5260558143 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/31/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68601447. Case closed. Case Decision: Approve ROL Case Number: 5260558143 ZD Ticket Number: 68601447 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9868226 DND: 2023-04-20 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Alpha Medical amounting to $49.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5260661433 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/01/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68601874. Case closed. Case Decision: Approve ROL Case Number: 5260661433 ZD Ticket Number: 68601874 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9829053 DND: 2023-04-16 Debit/Non Reg E - Goods/Services Not As Described Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Applebees amounting to $66.56. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5260661356 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/01/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68602026. Case closed. Case Decision: Approve ROL Case Number: 5260661356 ZD Ticket Number:68602026 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9869198 DND: 2023-04-20 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Aldo amounting to $59.93. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5260661478 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/01/23. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68602234. Case closed. Case Decision: Approve ROL Case Number: 5260661478 ZD Ticket Number: 68602234 (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9820216 DND: 2023-04-15 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Aaa Membership amounting to $75.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5260661478 - Consumer Dispute - Accepted by Acquirer on 05/31/23. Error found. Chargeback Won. Final letter sent with ZD #68602414. Case Closed. Case Decision: Approve ROL Case Number: 5263705484 ZD Ticket Number: 68602414 (Consumer Dispute - Declined by Acquirer) Dispute ID: 9813235 DND: 2023-04-18 Debit/Non Reg E - Goods/Services Not As Described Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Priceln*Travelodge By amounting to $144.97. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263676083 - Consumer Dispute - Declined by Acquirer on 06/01/23. As per Representment, supporting documentation is broken out into easily referenced categories to prove that valid authorization and acceptance of the disclosed terms and conditions of the sale were provided and agreed to by the customer before confirming the purchase. Merchant provided a valid Transacation receipt showing the breakdown of charges as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68602821. Case Closed. Case Decision: Deny ROL Case Number: 5263676083 ZD Ticket Number: 68602821 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9988108 DND: 2023-05-01 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Georgia Dept Of Rev Web amounting to $37.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5261080441 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent with Zendesk #68602974. Case closed. Case Decision: Approve ROL Case Number: 5261080441 ZD Ticket Number:68602974 (No original Transactin provided) Dispute ID: 9483099 DND: 2023-05-18 Debit/Reg E - Duplicate Charge Overall Investigation: CH disputes (1) for Duplicate Charge with Amazon amounting to $31.09. No Claim Cancellation. No Merchant Credit applied. CH did not respond. Sent additional info with ZD #67884461 However, No response from cardholder. Unable to file chargeback since CH cannot identify original transaction. Therefore, No error found. No recovery option. Final letter sent with ZD #68603784. Case Closed. Case Decision: Deny ROL Case Number: N/A ZD Ticket Number: 68603784 (Received Full Merchant Credit) Dispute ID: 10269668 DND: 2023-05-26 Non Reg E - Merchandise Was Returned Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Merchandise Was Returned with Bkghotel At Booking.C amounting to $238.16. No Claim Cancellation. Received full merchant credit amounting to $238.16 Settled on 2023-05-28 with Admin Transaction ID #:9803140188. Therefore, Error found. Final Letter Sent with ZD #:68349154. Case Closed. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9909683 DND: 2023-04-24 Non Reg E - Goods/Services Not As Described Case Decision: Approve VROL Case#: 5264718686 Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Play Station amounting to $75.23. No Claim Cancellation. No Merchant Credit applied. As per checking VROL Case#: 5264718686 - Consumer Dispute - Accepted by Acquirer on 05/27/23. Error found. Chargeback Won. Final Letter Sent with ZD #68349378. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10192751 DND: 2023-05-19 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 2328081485 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Apple Cash amounting to $100.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 2328081485 - Consumer Dispute - Declined by Acquirer on 05/27/23. As per Representment, Apple Cash provides a secure way to receive and send money (or "P2P") from friends and family in Messages. Apple Cash is NOT the seller of any tangible goods or services. Apple Cash is a Peer to Peer electronic funds transfer service ONLY. The send money/P2P Express transaction requested was transferred and completed successfully. The intended recipient of the funds received the transfer. Please note that once the transaction is completed and funded to the intended Apple Cash account, it cannot be cancelled. Disclosures are provided at the time of account set up and the user must confirm the transaction before it is completed by use of biometric data or their already established passcode as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68349598. Case Closed. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9866513 DND: 2023-04-23 Reg E - Transaction Was Cancelled Case Decision: Deny VROL Case #: 5267433369 Overall Investigation: CH disputes (1) for Transaction Was Cancelled with www.Zenbusiness.com amounting to $229.00. No Claim Cancellation. No Merchant Credit applied.As per VROL Case #: 5267433369 - Consumer Dispute - Declined by Acquirer on 05/26/23. As per Representment, The CH did not cancel their subscription to our services. The CH could not complete without agreeing to our Terms. The Cardholder did not cancel the service. The CH was not eligible for a refund as per Terms-Refund Policy. The CH understood the purchase details. The CH was provided with a purchase confirmation screen and transaction receipt. The Merchant provided a valid transaction receipt showing a breakdown of charges as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68349834. Provisional Credit reversal on 2023-06-05. Case Closed. (Consumer Dispute - Declined by Acq /has Full Merchant Credit) Dispute ID: 10181924 DND: 2023-05-19 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5270780336 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Yangkestore amounting to $79.75. No Claim Cancellation. As per VROL Case#: 5270780336 - Consumer Dispute - Declined by Acquirer on 05/27/23. Received full merchant credit settled on 2023-05-23 with Admin Transaction ID #92504007119. Therefore, Error found. Final letter sent with ZD #68350084. Case Closed. (Consumer Dispute - Declined by Acq) Dispute ID: 10179938 DND: 2023-05-18 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5270780231 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Cash App*Aria amounting to $57.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5270780231 - Consumer Dispute - Declined by Acquirer on 05/28/23. As per Representment, CH fully authorized payment at time of transfer. CH fully authorized payment and received good/services in full as a compelling evidence. No error found. Final letter sent with ZD #68350238. Case Closed. (Consumer Dispute - Declined by Acq ) Dispute ID: 9853026 DND: 2023-04-18 Non Reg E - Non-Receipt of Goods or Services Case Decision: Deny VROL Case#: 5263686651 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sonesta Emeryville amounting to $206.44. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5263686651 - Consumer Dispute - Declined by Acquirer on 05/26/23. As per Representment, The disputed amount is for the stay in Deluxe - King room for April 14, 2023. Our record indicates that the guest has received the services as per the booking, therefore no refund is due. Proper signed authorization was obtained against this transaction. Guest booked reservation for Deluxe - King room for 1 night. guest checked-out as per the booking from room no.0511. Normal check-out with reservation. Merchant provided a valid Transaction receipt provided a breakdown of charges as compelling evidence. No error found. Final letter sent with ZD #68350430. Case Closed. (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability ) Dispute ID: 9920691 DND: 2023-04-25 Non Reg E - Non-Receipt of Goods or Services Case Decision: Approve VROL Case#: 5258330664 Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Hb Zohvo Shop amounting to $36.99. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5258330664 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 04/30/23. Chargeback won. Therefore, Error found. Final letter sent with Zendesk #68352549. Case closed. (Processing Error Dispute - Response Timeframe Expired - 100% Acq Liability ) Dispute ID: 9920893 DND: 2023-04-25 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5258348660 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Brooklyn Grocery And De amounting to $46.99. Amount supposed to be charge is $16.99. Remaining disputed amount is $30.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5258348660 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/27/23. Chargeback won. Therefore, Error found. Final letter sent with Zendesk #68352674. Case closed. (Processing Error Dispute - Response Timeframe Expired - 100% Acq Liability ) Dispute ID: 9920693 DND: 2023-04-25 Reg E - Incorrect Amount Charged Case Decision: Approve VROL Case#: 5258322867 Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Stor All Storage Brown amounting to $177.00. Amount supposed to be charge is $147.00. Remaining disputed amount is $30.00. No Claim Cancellation. No Merchant Credit applied. As per VROL Case#: 5258322867 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/27/23. Chargeback won. Therefore, Error found. Final letter sent with Zendesk #68352751. Case closed. (Full Merchant Credit) Dispute ID: 10272445 DND: 2023-05-27 Non Reg E - Merchandise Was Returned Case Decision: Approve VROL Case#: N/A Overall Investigation: CH disputes (1) for Merchandise Was Returned with Sp Olaplex amounting to $133.75. No Claim Cancellation. Received full merchant credit amounting to $133.75 Settled on 2023-05-27 with Admin Transaction ID #:9801496178. Therefore, Error found. Final Letter Sent with ZD #:68353334. Case Closed. Galileo Issue: Notation was successfully submitted but it's not reflecting in the user notes. (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9992282 DND: 2023-05-01 Debit/Non Reg E - Merchandise Was Returned Overall Investigation: CH disputes (1) for Merchandise Was Returned with PlayStation amounting to $53.16. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5267702235 - Consumer Dispute - Accepted by Acquirer on 06/02/23. Error found. Chargeback Won. Final letter sent with ZD #68662225. Case Closed. Case Decision: Approve ROL Case Number: 5267702235 ZD Ticket Number: 68662225 Consumer Dispute - Declined by Acquirer Dispute ID: 10064222 DND: 2023-05-08 Debit/Non Reg E - Goods/Services Not As Described Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Amazon amounting to $52.63. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328377883 - Consumer Dispute - Declined by Acquirer on 06/02/23. As per Representment, CH accepted the merchandise as is and no complaints of tampering or damage were recorded when the merchandise was delivered. The merchandise delivered matches the listing on Amazon and is as ordered by the customer. Unwanted merchandise can be returned back to fulfiller. The customer must provide a valid (signed and trackable) proof of return of merchandise in order to receive credit. Merchant provided a valid Transaction receipt showing breakdown of charges and shipment invoice as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68662736. Case Closed. Case Decision: Deny ROL Case Number: 2328377883 ZD Ticket Number: 68662736 (Consumer Dispute - Accepted by Acquirer/ has partial merchant Credit) Dispute ID: 9797677 DND: 2023-04-13 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Progressive amounting to $389.44. No Claim Cancellation. Received Partial Merchant Credit amounting to$228.40 settled on 2023-04-15 with Admin Transaction ID 94313947546. As per ROL Case Number: 5263936754 - Consumer Dispute - Accepted by Acquirer on 06/01/23. Error found. Chargeback Won. Final letter sent with ZD #68663031. Case Closed. Case Decision: Approve ROL Case Number: 5263936754 ZD Ticket Number: 68663031 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10023222 DND: 2023-05-06 Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Doordash amounting to $96.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2331365932 - Consumer Dispute - Declined by Acquirer on 05/29/23. As per Representment, CH accepted the DoorDash Terms and Conditions when they created their account on DoorDash. The customer did not communicate with the DoorDash customer service team regarding their order. We provide multiple opportunities for consumers to reach out to us directly, either through the app itself, or in response to delivery confirmation emails. The customer made no attempt to cancel their order prior to being charged. The evidence provided above indicates that we have processed and fulfilled this customer order correctly, and that this dispute is invalid as compelling evidence. Therefore, No Error found. Final Letter Sent with ZD #68663706. Provisional Credit reversal on 2023-06-09. Case Closed. Case Decision: Deny ROL Case Number: 2331365932 ZD Ticket Number: 68663706 (Pre-Arb Initiated) Dispute ID: 9998706 DND: 2023-05-02 DebitNon Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Wanelo Anita Angry amounting to $56.50. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5261824297 - Consumer Dispute - Declined by Acquirer. As per Representment, merchant only provided a description of the business. No valid tracking number or any information provided. Uncompelling evidence. Pre-Arb initiated. Case ongoing. Case Decision: Pre-Arb initiated ROL Case Number: 5261824297 ZD Ticket Number: N/A (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10039480 DND: 2023-05-05 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Anthrakerism Com amounting to $43.76. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2330930909 - Consumer Dispute - Accepted by Acquirer on 05/27/23. Error found. Chargeback Won. Final letter sent with ZD #68664602. Case Closed. Case Decision: Approve ROL Case Number: 2330930909 ZD Ticket Number: 68664602 (No amount provided for CB) Dispute ID: 10155152 DND: 2023-05-19 Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Just Beclaws Jersey amounting to $37.85. Amount supposed to be charge is $37.85. Invalid remaining disputed amount is $0.00. No Claim Cancellation. No Merchant Credit applied. CH did not respond to ZD #67925059. Unable to proceed with chargeback, No amount supposed to be charged to use for Chargeback. No error found. Final letter sent. Case closed. Case Decision: Deny ROL Case Number: N/A (Consumer Dispute - Declined by Acquirer) Dispute ID: 10037873 DND: 2023-05-05 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Spensiveco amounting to $59.98. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263713514 - Consumer Dispute - Declined by Acquirer on 06/01/23. As per Representment, Tracking number 1Z6R651X0337983599 shows 'A claim has been issued to the sender for your package on 2023-05-01'. Email, phone and address matched our records as compelling evidence. Therefore, No Error found. Final Letter Sent. Case Decision: Deny ROL Case Number: 5263713514 *********************************************************** Dispute ID: DND: Debit - Reg E | Non Reg E - (Dispute Reason) : Overall Investigation: CH disputes (1) for (Dispute type) with (Merchant) amounting to $XXX.XX. No Claim Cancellation. No Merchant Credit applied. Case Decision: ROL Case Number: (Full Merchant Credit) Dispute ID: 10351024 DND: 2023-06-02 Reg E - Duplicate Charge Overall Investigation: CH disputes (1) for Duplicate Charge with DSW amounting to $64.82. No Claim Cancellation. Received Full Merchant Credit amounting to $64.82 Settled on 2023-05-22 with Admin Transaction ID #:6498255881. Therefore, error found. Final Letter Sent. Case Decision: Approve (Consumer Dispute - Declined by Acquirer) Dispute ID: 10064348 DND: 2023-05-08 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp First Day Inc. amounting to $35.72. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5264702369 - Consumer Dispute - Declined by Acquirer on 06/04/23. As per Representment, CH ordered one (1) bottle of Kids Daily Enrichment, on subscription, on 11/05/2022. The subscription and delivery interval is set for every 30 days. CH most recent transaction was on 05/05/2023, and the payment processed on 04/05/2023, was for the refill in relation to the subscription availed as discussed above. Furthermore, CH is aware of our return policies for unacceptable products as this was included in our Terms of Service. The same terms are presented to the customer upon check out and each customer is presented with the option to agree to the terms and conditions when placing the order. If the terms are not agreed on, then it is impossible for the customer to proceed with the order. If only the customer contacted us about the products being unacceptable, then we could have processed them for replacement or refund. However, the customer did not do so. Address provided matched our records. Tracking number 9374810912401920902799 shows that the package was successfully delivered as compelling evidence. Therefore, No Error found. Final Letter Sent. Case Decision: Deny ROL Case Number: 5264702369 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9874929 DND: 2023-04-20 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Mobileunlocks amounting to $73.99 in total. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263712058/5263712059 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/11/23. Chargeback Won. Therefore, Error found. Final letter sent. Case Decision: Approve ROL Case Number: 5263712058/5263712059 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10270515 DND: 2023-05-26 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Amazon amounting to $115.95. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2331735577 - Consumer Dispute - Declined by Acquirer on 06/04/23. As per Representment, The merchandise was shipped to the address provided by the customer when placing the order. Tracking number: TBA306151768727 shows that the item was successfully delivered on 04/11/2023. Merchant provided a valid transaction receipt/invoice showing the breakdown of charges and shipment information as compelling evidence. Therefore, No Error found. Final Letter Sent. Case Decision: Deny ROL Case Number: 2331735577 (Processing Error Dispute - Declined by Acquirer) Dispute ID: 10034500 DND: 2023-05-05 Reg E - Duplicate Charge Overall Investigation: CH disputes (2) for Duplicate Charge with Zip Co Shein amounting to $355.92 in total. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5264143124/5264143309 - Processing Error Dispute - Declined by Acquirer on 06/04/23. As per Representment, No duplicate charge happen transaction was happened separately as both disputed transaction has different authorization code and reference number as compelling evidence. No error found. Final letter sent. Case Decision: Deny ROL Case Number: 5264143124/5264143309 (Received Full Merchant Credit) Dispute ID: 10361356 DND: 2023-06-04 Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Microsoft*Microsoft amounting to $77.29. No Claim Cancellation. No Merchant Credit applied. Received Full Merchant Credit amounting to $77.29 Settled on 2023-06-05 with Admin Transaction ID #:97354140363. Therefore, Error found. Final Letter Sent. Case Closed Case Decision: Approve (Received Full Merchant Credit) Dispute ID: 10361533 DND: 2023-06-04 Debit/Reg E - Duplicate Charge Overall Investigation: CH disputes (1) for Duplicate Charge with Local Cue amounting to $34.91. No Claim Cancellation. No Merchant Credit applied. Received Full Merchant Credit amounting to $34.91 Settled on 2023-06-04 with Admin Transaction ID #:92558201318. Therefore, Error found. Final Letter Sent. Case Closed Case Decision: Approve (Below CB Threshold) Dispute ID: 10277419 DND: 2023-05-27 Reg E - Duplicate Charge Overall Investigation: CH disputes (6) for Duplicate Charge with Fun Plaza Arcade amounting to $124.80 in total. No Claim Cancellation. No Merchant Credit applied. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent. Case Close. Case Decision: Approve (Consumer Dispute - Declined by Acquirer) Dispute ID: 10043971 DND: 2023-05-06 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Obvi amounting to $117.97. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263833364 - Consumer Dispute - Declined by Acquirer on 06/02/23. As per Representment, The order was Delivered by DHL- GLOBAL- MAIL using the tracking number 420630379361210912402070571105 on May 12, 2023, 17:16PM UTC. Address matched our records. The items in question were Successfully Delivered by the carrier DHL- GLOBAL- MAIL which makes the dispute invalid. Compelling evidence. No error found. Final letter sent. Case Closed. Case Decision: Deny ROL Case Number: 5263833364 (Processing Error Dispute - Declined by Acquirer) Dispute ID: 10266209 DND: 2023-05-26 Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Cash App*Glen Burns amounting to $700.00. Amount supposed to be charge is $70.00. Remaining disputed amount is $630.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2331639960 - Processing Error Dispute - Declined by Acquirer on 06/04/23. As per Representment, Transaction involves P2P payment using SQ cash. CH using a device phone number matched on our records. CH fully authorized payment at time of transfer. CH fully authorized payment and received goods/services in full as compelling evidence. No error found. Final letter sent. Provisional Credit Reversal on 2023-06-12. Case Closed. Case Decision: Deny ROL Case Number: 2331639960 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9996611 DND: 2023-05-02 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (2) for (Dispute type) with Superslim Mk 18 amounting to $258.77 in total. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5261453709/ 5261453724 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/07/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5261453709/ 5261453724 (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9899330 DND: 2023-04-23 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Marcellemariebout amounting to $116.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5264708861 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 06/05/23. Error found. Pre-Arb Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 5264708861 (Processing Error Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 9482287 DND: 2023-03-14 Reg E - Duplicate Charge Overall Investigation: CH disputes (1) for Duplicate Charge with Marshalls amounting to $170.86. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2324437140 - Processing Error Dispute - Pre-Arb Response Accepted Full by Acquirer on 06/05/23. Error found. Pre-Arb Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 2324437140 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10032813 DND: 2023-05-05 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Appletree Townhomes amounting to $50.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263540141 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263540141 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10029290 DND: 2023-05-05 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Take A Break Travel Inc amounting to $50.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263231940 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263231940 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9991441 DND: 2023-05-01 Debit/Non Reg E - Goods/Services Not As Described Overall Investigation: CH disputes (1) for Goods/Services Not As Described with Locos Tacos amounting to $61.78. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263712242 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263712242 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10034139 DND: 2023-05-05 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with V Homeaglow Fc Members amounting to $49.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263614953 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/11/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263614953 (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10087808 DND: 2023-05-10 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Apple.com/Bill amounting to $60.61. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5266133017 - Consumer Dispute - Accepted by Acquirer on 06/05/23. Error found. Chargeback Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 5266133017 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9989149 DND: 2023-05-01 Debit/Reg E - Credit Not Posted Overall Investigation: CH disputes (1) for Credit Not Posted with Zips Wash Club amounting to $35.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263660805 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263660805 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10032759 DND: 2023-05-05 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Lagoonfest Concierge amounting to $43.30. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263536079 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/06/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263536079 (PTF Claim) Dispute ID: 10177396 DND: 2023-05-18 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Kroger amounting to $683.50. No Claim Cancellation. No Merchant Credit applied. Disputed transaction is a past timeframe claim. Not eligible for chargeback. No Error found. final Letter sent. Case closed. Case Decision: Deny (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10032759 DND: 2023-05-05 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Lagoonfest Concierge amounting to $43.30. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263536079 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/06/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263536079 (PTF Claim) Dispute ID: 10177396 DND: 2023-05-18 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Kroger amounting to $683.50. No Claim Cancellation. No Merchant Credit applied. Disputed transaction is a past timeframe claim. Not eligible for chargeback. No Error found. final Letter sent. Case closed. Case Decision: Deny (Consumer Dispute - Declined by Acquirer ) Dispute ID: 9778949 DND: 2023-04-14 Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Dd Doordash Mcdonalds amounting to $35.63. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5260585086 - Consumer Dispute - Declined by Acquirer on 05/08/23. As per Representment, CH did not communicate with the DoorDash customer service team regarding their order. CH accepted the DoorDash Terms and Conditions. Merchant provided a valid order summary showing the breakdown of charges as compelling evidence. Therefore, No Error found. Final Letter Sent. Provisional Credit reversal on 2023-06-16. Case Closed. Case Decision: Deny ROL Case Number: 5260585086 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10182673 DND: 2023-05-19 Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Priceln*United Airline amounting to $284.40. No Claim Cancellation. Received Full Merchant Credit amounting to $284.40 Settled on 2023-06-04 with Admin Transaction ID #:97352016574. As per ROL Case Number: 2334609054 - Consumer Dispute - Declined by Acquirer on 06/06/23. Representment has a compelling evidence. Due to merchant credit already provided by the merchant. Therefore, Error found. Final Letter Sent. Case Closed. Case Decision: Approve ROL Case Number: 2334609054 (Consumer Dispute - Declined by Acquirer ) Dispute ID: 10056789 DND: 2023-05-07 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Nevaeh Mens amounting to $54.60. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5264094819 - Consumer Dispute - Declined by Acquirer on 06/03/23. As per Representment, Tracking number 7123312991 was successfully delivered on May, 11 2023. Shipping address matched or records as compelling evidence. No error found. Final letter sent. Case Closed. Case Decision: Deny ROL Case Number: 5264094819 (Processing Error Dispute - Declined by Acquirer) Dispute ID: 10147811 DND: 2023-05-16 Debit/Reg E - Paid for Goods/Services By Other Means Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Hungry Crab amounting to $227.90. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5268769945 - Processing Error Dispute - Declined by Acquirer on 06/03/23. As per Representment, The last 4 digit of the card showing on the receipt. That means, there is no other payment method use other than the said card as compelling evidence. No error found. Final letter sent. Provisional Credit reversal on 2023-06-16. Case Closed. Case Decision: Deny ROL Case Number: 5268769945 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9971866 DND: 2023-04-29 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Walmart amounting to $232.82. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263882200 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/07/2023. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263882200 (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10046894 DND: 2023-05-06 Reg E - Duplicate Charge Overall Investigation: CH disputes (1) for Duplicate Charge with Sams Club amounting to $110.91. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263890817 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/07/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263890817 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability / below Threshold) Dispute ID: 10013265 DND: 2023-05-06 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Hopper Travel amounting to $115.58 in total. No Claim Cancellation. No Merchant Credit applied. TXN ID 92428001926 has no CB rights as below CB threshold. No recovery option available. No error found. TXN ID 92428001923, As per ROL Case Number: 5263846587 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/11/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Deny/ Approve ROL Case Number: 5263846587 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9800336 DND: 2023-04-16 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Better Me Apps amounting to $30.99. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263936863 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/12/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263936863 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9825868 DND: 2023-04-16 Debit/Reg E - Paid for Goods/Services By Other Means Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Comporium Rhtc amounting to $167.66. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5263936836 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/07/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5263936836 (Full Merchant Credit) Dispute ID: 10224245 DND: 2023-05-23 Debit/Reg E - Credit Not Posted Overall Investigation: CH disputes (1) for Credit Not Posted with At T amounting to $100.00. No Claim Cancellation. Received Full Merchant Credit amounting to $100.00 Settled on 2023-06-07 with Admin Transaction ID #:94550317543. Therefore, Error found. Final Letter Sent. Case Closed Case Decision: Approve (Full Merchant Credit) Dispute ID: 10426820 DND: 2023-06-10 Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Doordash amounting to $36.13. No Claim Cancellation. Received Full Merchant Credit amounting to $36.13 Settled on 2023-06-11 with Admin Transaction ID #:9856007690. Therefore, Error found. Final Letter Sent. Case Closed Case Decision: Approve (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10201940 DND: 2023-05-20 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Apple.com/Bill amounting to $59.99. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328165177 - Consumer Dispute - Accepted by Acquirer on 06/05/23. Error found. Chargeback Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 2328165177 (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10322293 DND: 2023-05-31 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Cash App*James Brow amounting to $70.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2334514528 - Consumer Dispute - Accepted by Acquirer on 06/09/23. Error found. Chargeback Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 2334514528 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability ) Dispute ID: 9873519 DND: 2023-04-20 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Ppp Goddessloverd Com and Ppp Goddesssharei Com amounting to $142.92 in total. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5266202230/5266202272 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 05/16/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5266202230/5266202272 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9788332 DND: 2023-04-14 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Healthprgm amounting to $347.90. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5266090551 - Consumer Dispute -Response Timeframe Expired - 100% Acquirer Liability on 05/16/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5266090551 (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 6382543 DND: 2023-05-11 Debit/Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Proaudio amounting to $190.44. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5266658816 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5266658816 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10209167 DND: 2023-05-21 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Windsor Fashions amounting to $155.41. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328890958 - Consumer Dispute - Declined by Acquirer on 06/09/23. As per Representment, Merchant provided a valid Transaction Receipt showing the total breakdown of charges. Last 4 digit of the card matches our records as compelling evidence. Therefore, No Error found. Final Letter Sent. Case Closed. Case Decision: Deny ROL Case Number: 2328890958 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10055265 DND: 2023-05-07 Reg E - Paid for Goods/Services By Other Means Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Lyft amounting to $87.03. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2329546928 - Consumer Dispute - Declined by Acquirer on 06/07/23. As per Representment, Merchant provided payment details and email receipt showing the breakdown of charges. CH used last 4 digits of the card, full name, email address, and phone number that matched our records as compelling evidence. Therefore, No Error found. Final Letter Sent. Provisional Credit reversal on 2023-06-20. Case Closed. Case Decision: Deny ROL Case Number: 2329546928 (Consumer Dispute - Declined by Acquirer) Dispute ID: 9934073 DND: 2023-04-26 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Ericka J. amounting to $61.98. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5266634864 - Consumer Dispute - Declined by Acquirer on 06/07/23. As per Representment, Tracking number: 92055901755477300112536182 was successfully delivered on 2023-04-19 to CH shipping address provided. As per Merchant, CH has ordered from us 20 times before. The address is correct, billing and shipping information matches. The customer has not contacted us about any issues with her order as compelling evidence. Therefore, No Error found. Final Letter Sent. Case Closed. Case Decision: Deny ROL Case Number: 5266634864 (Below CB Threshold) Dispute ID: 10471920 DND: 2023-06-15 Reg E - Duplicate Charge Overall Investigation: CH disputes (6) for Duplicate Charge with PlayStation and Playstation Network amounting to $50.82 in total. No Claim Cancellation. No Merchant Credit applied. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent. Case Closed. Case Decision: Approve (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9946566 DND: 2023-04-27 Debit/Reg E - Credit Not Posted Overall Investigation: CH disputes (1) for Credit Not Posted with Royal Beach Palace Hote amounting to $161.12. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5267571046 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/15/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5267571046 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9969544 DND: 2023-04-29 Debit/Non Reg E - Merchandise Was Returned Overall Investigation: CH disputes (1) for Merchandise Was Returned with K&R Gourmet Deli amounting to $83.20. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5267702485 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/15/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5267702485 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability ) Dispute ID: 10131035 DND: 2023-05-14 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for (Non-Receipt of Goods or Services with The Original Cloud Sli amounting to $52.67. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5267585824 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/15/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5267585824 (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10122646 DND: 2023-05-13 Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Harvest Fare amounting to $67.83. Amount supposed to be charge is $17.00. Remaining disputed amount is $50.83. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5267585616 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/15/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5267585616 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10189015 DND: 2023-05-19 Debit/ Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Wix Com amounting to $40.28. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2334033702 - Consumer Dispute - Declined by Acquirer on 06/16/23. As per Representment, The information provided proves the shopper authorized, requested and received the product(s) and service(s) purchased. At the time of purchase, the shopper agreed to the following agreement(s) and Terms of Use. and Domain Registration Agreement which were presented to the shopper prior to payment being submitted as compelling evidence. No error found. Final letter sent. PVC reversal on 2023-06-26. Case Closed. Case Decision: Deny ROL Case Number: 2334033702 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10201176 DND: 2023-05-20 Reg E - Credit Not Posted Overall Investigation: CH disputes (1) for Credit Not Posted with Amazon amounting to $38.44. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2334586209 - Consumer Dispute - Declined by Acquirer on 06/15/23. As per Representment, A free replacement was sent to customer's registered shipping address on May 12, 2023 via USPS Tracking Number 9361289683020462126701 and it was delivered on May 15, 2023. CH was issued a refund in the form of Amazon E-Gift certificate balance added directly to their Amazon account as compelling evidence. No error found. Final letter sent. PVC reversal on 2023-06-26. Case Closed. Case Decision: Deny ROL Case Number: 2334586209 (Processing Error Dispute - Declined by Acquirer ) Dispute ID: 10426912 DND: 2023-06-11 Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Optix Medical Products amounting to $199.99. Amount supposed to be charge is $79.99. Remaining disputed amount is $120.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2339045162 - Processing Error Dispute - Declined by Acquirer on 06/15/23. As per Representment, Sales data shows IP address, physical address, point and time of sale. Data below shows customer’s purchase and delivery related to all information provided with correct credit card. Customer purchased and received product and must follow merchant agreement for full refund. Fraud is unable to be proven based off given transaction data. Tracking number 9405511206223455380108 shows that the item was successfully delivered to the preferred address on 2023-06-16. Merchant provided order summarry showing the breakdown of charges as compelling evidence. No error found. Final letter sent. PVC reversal on 2023-06-26. Case Closed. Case Decision: Deny ROL Case Number: 2339045162 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10161956 DND: 2023-05-17 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Expedia amounting to $453.22. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2329145419 - Consumer Dispute - Declined by Acquirer on 06/15/23. As per Representment, CH agreed to the specific product travel terms and conditions at time of booking. Ch was shown and agreed to the Cancellation policy prior to booking. Cancellations or changes made after 4:59 PM local time, Thursday May 04, 2023 are subject to a hotel fee equal to 1 night(s) plus taxes and fees. This reservation was available for the customer to use. It does not matter whether the reservation was used fully, partially, or not used at all. The insurance was not cancelled within 15 day period and therefore the premium is non-refundable as compelling evidence. No error found. Final letter sent. Case Closed. Case Decision: Deny ROL Case Number: 2329145419 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10242849 DND: 2023-05-24 Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Hellofresh amounting to $33.32. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2338112624 - Consumer Dispute - Declined by Acquirer on 06/15/23. As per Representment, Ch received services until the cancellation date. Cancellation was requested for a different date and services were provided until this date. Documentation to support that proper disclosure of the recurring, free trial and subscription terms were disclosed to the customer prior to completing the sale. merchant has proof that the cancelation and refund policies were properly disclosed, and the CH did not cancel according to the disclosed policies as compelling evidence. No error found. Final letter sent. PVC reversal on 2023-06-26. Case Closed. Case Decision: Deny ROL Case Number: 2338112624 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10100661 DND: 2023-05-17 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Cash App amounting to $76.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2331586601 - Consumer Dispute - Declined by Acquirer on 06/04/23. As per Representment, CH fully authorized payment at time of transfer. Ch fully authorized payment and received goods/ services in full as compelling evidence. No error found. Final letter sent. PVC reversal on 2023-06-26. Case Closed. Case Decision: Deny ROL Case Number: 2331586601 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10142068 DND: 2023-05-15 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with H EB Online amounting to $96.56. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5268307759 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/16/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5268307759 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 9888933 DND: 2023-04-22 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Best Western Plus Bend amounting to $145.10. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5267880935 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability on 06/16/23. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5267880935 (Full Merchant Credit) Dispute ID: 10216200 DND: 2023-05-30 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Dna Diagnostics Center amounting to $50.00. No Claim Cancellation. Received Full Merchant Credit amounting to $50.00 Settled on 2023-06-03 with Admin Transaction ID #94535489246. Therefore, Error found. Final Letter Sent. Case Closed. Case Decision: Approve (Full Merchant credit) Dispute ID: 10321903 DND: 2023-05-31 Debit/Non Reg E - Merchandise Was Returned Overall Investigation: CH disputes (1) for Merchandise Was Returned with Flamingo Hotel Rsvn amounting to $68.94. No Claim Cancellation. Received Full Merchant Credit amounting to $68.94 Settled on 2023-06-02 with Admin Transaction ID #97338163704. Therefore, Error found. Final Letter Sent. Case Closed. Case Decision: Approve (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10148538 DND: 2023-05-16 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Walmart amounting to $51.58. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5268914066 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5268914066 (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10100083 DND: 2023-05-11 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (2) for Non-Receipt of Goods or Services with Um Sataguomu amounting to $98.85 in total. No Claim Cancellation. No Merchant Credit applied. For TXN 92416052026 has no CB rights as below CB threshold. No recovery option available. No error found. Remaining disputed transactions initiated chargeback. As per ROL Case Number: 5269044013/5269044014 - Consumer Dispute - Accepted by Acquirer on 06/06/23. Error found. Chargeback Won. Final letter sent. Case Closed. Case Decision: Deny/ Approve ROL Case Number: 5269044013/5269044014 (Consumer Dispute - Declined by Acquirer) Dispute ID: 9931342 DND: 2023-05-12 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Walmart amounting to $58.83. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2331838700 - Consumer Dispute - Declined by Acquirer on 06/16/23. As per Representment, Last 4 digit of the card use, addresss, and phone number matched our records. At this time customer has not contacted the merchant. A portion of this order was paid for using an EBT Card. Merchant received an original authorization for the full amount of $74.20. The customer was then charged in separate amounts based on their selected delivery option. Merchandise was delivered on 4/26/2023 as compelling evidence. No error found. Final letter sent. Case Closed. Case Decision: Deny ROL Case Number: 2331838700 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10264051 DND: 2023-05-29 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Boost Mobil amounting to $55.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2332796791 - Consumer Dispute - Declined by Acquirer on 06/11/23. As per Representment, Last 4 digit of the card use, address, and phone number matched our records. Ch was aware of the service/purchase rendered. Ch input their personal information along with phone number and PIN number (which they only have access to). Also in order details, it is time stamped and their IP address which proves their location as compelling evidence. No error found. Final letter sent. Case Closed. Case Decision: Deny ROL Case Number: 2332796791 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10190640 DND: 2023-05-19 Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Pueralift Organic amounting to $162.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328081158 - Consumer Dispute - Declined by Acquirer on 06/16/23. As per Representment, The product was not received due to insufficient address that provided by the customer, however, we have communicated to the customer and resolved this matter by reshipping her package and she paid the reshipment fee. Tracking number 9261299999887387142555 shows that the item was successfully delivered on 2023-05-26 as compelling evidence. No error found. Final letter sent. Case Closed. Case Decision: Deny ROL Case Number: 2328081158 (Below CB Threshold) Dispute ID: 10492484 DND: 2023-06-17 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (4) for Transaction Was Cancelled with Roku amounting to $34.20 in total. No Claim Cancellation. No Merchant Credit applied. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent. Case Close. Case Decision: Approve (ATO Fraud) Dispute ID: 10501362 DND: 2023-06-18 Debit/Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Cash App amounting to $50.00. Amount supposed to be charge is $0.25. Remaining disputed amount is $49.75. No Claim Cancellation. No Merchant Credit applied. Closing this case as part of fraud trend due to following evidence identified: Charges are consistent with fraud trend observed claiming decimal point inaccuracy of transfer amount. Disputing incorrect amount on transfer payment services (Cash-App). Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds by opening or attempting to bulk open disputes. Account being escalated for dispute abuse/closure review. No error found. Final letter sent. Case Decision: Deny (Below CB Threshold) Dispute ID: 10507582 DND: 2023-06-19 Debit/Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Super Foods amounting to $104.72. Amount supposed to be charge is $80. Remaining disputed amount is $24.72. No Claim Cancellation. No Merchant Credit applied. Disputed transactions doesn't have Chargeback rights since below chargeback threshold. Approve as per REG-E policy. No recovery option. Error Found. Final Letter Sent. Case Closed. Case Decision: Approve (Processing Error Dispute - Accepted by Acquirer) Dispute ID: 10026753 DND: 2023-05-06 Debit/Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Probiller.com amounting to $108.24. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328293953 - Processing Error Dispute - Accepted by Acquirer on 06/19/23. Error found. Chargeback Won. Final Letter Sent. Case Closed. Case Decision: Approve ROL Case Number: 2328293953 (Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer) Dispute ID: 10080129 DND: 2023-05-10 Debit/Non Reg E - Non-Receipt of Goods or Services Overall Investigation: CH disputes (1) for Non-Receipt of Goods or Services with Sp Balyot Com amounting to $86.98. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328264570 - Consumer Dispute - Pre-Arb Response Accepted Full by Acquirer on 06/19/23. Error found. Pre-Arb Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 2328264570 (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10293941 DND: 2023-05-29 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Nnt*Dispatcher101. amounting to $55.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2333338832 - Consumer Dispute - Accepted by Acquirer on 06/19/23. Error found. Chargeback Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 2333338832 (Consumer Dispute - Response Accepted Full by Acquirer on 06/19/23) Dispute ID: 10193898 DND: 2023-05-20 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (1) for Transaction Was Cancelled with Www Forrmusa Com amounting to $43.45. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 2328386905 - Consumer Dispute - Response Accepted Full by Acquirer on 06/19/23. Error found. Chargeback Won. Final letter sent. Case Closed. Case Decision: Approve ROL Case Number: 2328386905 (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10035013 DND: 2023-05-05 Debit/Reg E - Paid for Goods/Services By Other Means Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Qt Express amounting to $30.84. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5270691141 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5270691141 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10034490 DND: 2023-05-05 Debit/Reg E - Paid for Goods/Services By Other Means Overall Investigation: CH disputes (1) for Paid for Goods/Services By Other Means with Bellacinos Pizza And G amounting to $70.34. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5270691296 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5270691296 (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10177680 DND: 2023-05-18 Debit/Reg E - Incorrect Amount Charged Overall Investigation: CH disputes (1) for Incorrect Amount Charged with Noor Jewelers amounting to $82.39. Amount supposed to be charge is $40.00. Remaining disputed amount is $42.39. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5270691707 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5270691707 (Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10158158 DND: 2023-05-17 Debit/Reg E - Transaction Was Cancelled Overall Investigation: CH disputes (2) for Transaction Was Cancelled with Bvc*Been Verified.com amounting to $57.22 in total. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5270721555 / 5270721569 - Consumer Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5270721555 / 5270721569 (Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability) Dispute ID: 10133503 DND: 2023-05-18 Debit/Reg E - Duplicate Charge Overall Investigation: CH disputes (1) for Duplicate Charge with Flexeco, Inc. amounting to $40.00. No Claim Cancellation. No Merchant Credit applied. As per ROL Case Number: 5270798565 - Processing Error Dispute - Response Timeframe Expired - 100% Acquirer Liability. Chargeback Won. Therefore, Error found. Final letter sent. Case closed. Case Decision: Approve ROL Case Number: 5270798565 (CHARGEBACK) Dispute ID: 10576441 DND: 2023-06-25 Non Reg E - Merchandise Was Returned Decision Outcome: Chargeback Filed Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. Dispute ID: 10561243 DND: 2023-06-25 Reg E - Incorrect Amount Charged Decision Outcome: Chargeback Filed Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit Dispute ID: 10567555 DND: 2023-06-24 Non Reg E - Goods/Services Not As Described Decision Outcome: Requested Additional Information Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - No Indicated Receipt date. - Insufficient information to proceed with case. Dispute ID: 10558126 DND: 2023-06-25 Reg E - Incorrect Amount Charged Decision Outcome: Chargeback Filed Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks - Not enough evidence to Deny the claim. - Issued Provisional Credit (PARTIAL MERCHANT CREDIT/BELOW CB THRESHOLD) Dispute ID: 10571823 DND: 2023-06-25 Reg E - Incorrect Amount Charged Decision Outcome: Approve Decision Outcome Reasoning: - Received Partial Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Remaining disputed amount is below chargeback threshold (Consumer Dispute - Accepted by Acquirer) Dispute ID: 9777673 DND: 2023-05-14 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10048045 DND: 2023-05-10 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Declined by Acquirer/ Below CB Threshold) Dispute ID: 10033421 DND: 2023-05-05 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that CH agreed to the specific product travel terms and conditions at time of booking. CH was shown and agreed to the cancellation policy prior to booking. -Remaining disputed transaction has no chargeback rights as below chargeback threshold. -Provisional Credit Reversal on 2023-07-03 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10074475 DND: 2023-05-09 Non Reg E - Goods/Services Not As Described Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that the order was received the customer was notified that it was delivered and the customer had multiple times to reach out to the merchant with a picture of the item that was received to verify that the product arrived damaged/defective but CH never did. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10235406 DND: 2023-05-24 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that matches CH information on file. (Consumer Dispute - Declined by Acquirer) Dispute ID: 10095134 DND: 2023-05-11 Reg E - Credit Not Posted Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that guest did not cancel their reservation and authorized the amount that has been charged. Merchant provided a transaction receipt showing breakdown of charges. -Provisional Credit Reversal on 2023-07-03 (Consumer Dispute - Declined by Acquirer) Dispute ID: 10390977 DND: 2023-06-07 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that CH accepted the Busbud Terms of Use when they made a purchase on Busbud including Refund, exchange, and cancellation policies. (Consumer Dispute - Response Accepted Full by Acquirer) Dispute ID: 10095270 DND: 2023-05-11 Non Reg E - Non-Receipt of Goods or Services Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: - Chargeback Won - Accepted Full by Acquirer (Consumer Dispute - Accepted by Acquirer) Dispute ID: 10088374 DND: 2023-05-13 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: - Chargeback Won - Accepted by Acquirer (Consumer Dispute - Response Accepted Full by Acquirer/ Below CB Threshold) Dispute ID: 10092775 DND: 2023-05-11 Reg E - Transaction Was Cancelled Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: - Chargeback Won - Accepted Full by Acquirer - Remaining Disputed transaction doesn't have Chargeback rights since below chargeback threshold. (Consumer Dispute - Declined by Acquirer) Dispute ID: 9871000 DND: 2023-05-22 Reg E - Transaction Was Cancelled Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that CH did not cancel per terms of contract, therefore, their membership is still active. - Provisional Credit Reversal on 2023-07-03 (Consumer Dispute - Declined by Acquirer/ Below CB Threshold) Dispute ID: 10246967 DND: 2023-05-25 Non Reg E - Goods/Services Not As Described Decision Outcome: Denied Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Denied Claim Denied following Chargeback Outcome: - Chargeback Lost - Received Compelling evidence that CH accepted the DoorDash Terms and Conditions (which includes our refund policy) and merchant processed and fulfilled this customer order correctly. -Remaining disputed transaction has no chargeback rights as below chargeback threshold. (Pending for Chargeback/ VCR) Dispute ID: 10562140 DND: 2023-06-24 Reg E - Credit Not Posted Decision Outcome: Pending for Chargeback Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Visa Required 15 calendar days - Issued Provisional Credit **************************************************************** 15 DAYS VCR "Decision Outcome: 15 days VCR Decision Outcome Reasoning: -No merchant credit. -No claim cancellation. -NO ATO Hallmarks present. -Visa requires 15 days to proceed with CB." Request Add info "Decision Outcome: Requested Additional Information Decision Outcome Reasoning: -No merchant credit. -No claim cancellation. -NO ATO Hallmarks present. -Insufficient information to proceed with the claim." CHARGEBACK "Decision Outcome: Chargeback filed Decision Outcome Reasoning: -No merchant credit. -No claim cancellation. -NO ATO Hallmarks present. -Not enough evidence to Deny the claim." CB WON "Decision Outcome: Approve Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Approved Approved Claim Chargeback Outcome: - Chargeback Won|Accepted Full by Acq " CB LOST "Decision Outcome: Deny Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Decision Chargeback Outcome: Deny Denied Claim Chargeback Outcome Reasoning: - Chargeback Lost| Declined by Acq - Merchant provided compelling evidence that matches our records." PRE ARB WON "Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Pre-Arb Filed Chargeback Outcome Reasoning: - Declined by Acquirer - Received Uncompelling evidence. Pre-Arb Decision Outcome: Approved Pre-Arb Outcome Reasoning: - Pre arb won| Accepted by Acq" INITIATE PRE ARB "Decision Outcome: Pre-Arbitration Initiated Decision Outcome Reasoning: - No claim cancellation. - No merchant credit - NO ATO Hallmarks present. -Chargeback Filed Chargeback Decision Outcome: Pre-Arbitration Initiated Chargeback Outcome Reasoning: -Chargeback Declined by Acquirer|Received uncompelling evidence" BELOW CB APPROVE "Decision Outcome: Approve Decision Outcome Reasoning: -No merchant credit. -No claim cancellation. -Remaining amount is below CB threshold./ Below CB threshold No CB rights. -No recovery options." BELOW CB DENY "Decision Outcome: Deny Decision Outcome Reasoning: -No merchant credit. -No claim cancellation. -Below CB threshold. No CB rights. -No recovery options." PRE ARB LOST/APPROVE "Decision Outcome: Approved Decision Outcome Reasoning: - No Merchant Credit - No Claim Cancellation - No ATO Hallmarks Present - Chargeback Filed. Chargeback Decision Outcome: Pre-Arb Filed Chargeback Outcome Reasoning: - Declined by Acquirer - Received Uncompelling evidence. Pre-Arb Decision Outcome: Approved Pre-Arb Outcome Reasoning: - Pre-Arb lost- Received Uncompelling evidence."