10759351 / 10762330

Dispute ID: 10759351 / 10762330 DND: 2023-06-29 Reg E - ATM Cash Not Received

Decision Outcome: APPROVED Decision Outcome Reasoning: • Chargeback Won - Response Timeframe Expired - 100% Acq Liability

Erratum:

Dispute ID: 10690529 DND: 2023-07-12 Reg E - ATM Cash Not Received

Decision Outcome: APPROVED Decision Outcome Reasoning: • Chargeback Won - Response Timeframe Expired - 100% Acquirer Liability

+-------------------

Dispute ID: 11149153 DND: 2023-08-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

21682 HWY 310 E, COMO, MSUS 9171231

ain Street, Como, MSUS 9171229

509 E. MAIN ST., SENATOBIA, MSUS 9115772

Agent: MANHUYOD, JUVIE Dispute ID: 11143903 ATM IDs: 9171231 , 9171229, 9115772 //PHONE // racquel.diaz@chime-mail.ubiquitygs.com

Dispute ID: 11149153 DND: 2023-08-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

21682 HWY 310 E, COMO, MSUS 9171231

ain Street, Como, MSUS 9171229

509 E. MAIN ST., SENATOBIA, MSUS 9115772

Agent: MANHUYOD, JUVIE Dispute ID: 11143903 ATM IDs: 9171231 , 9171229, 9115772 //PHONE // racquel.diaz@chime-mail.ubiquitygs.com

Dispute ID: 11143903 / 11150706 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Member goes on to have normal spending activity and does not exhibit money laundering signals.
• A payroll deposit was present during the timeframe of transactions.

128// 2355843668 971// 2355843685 936// 2355843705

Dispute ID: 11146204 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Denied Decision Outcome Reasoning:

• No ATM fee associated
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.
• Cardholder's account balance depleted
• The ATM withdrawals are commonly performed at the same ATM or series of ATMs, indicating success at withdrawing cash from the machine(s).
• ATM withdrawals are commonly funded by Visa Money transfer, direct deposits occurring within one to two days of the withdrawal date.
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• Frequent Dispute Filing (The member has more than one authorized ATM dispute claim in the last 12 months; and has history of dispute claims with many past claims denied.)

Dispute ID: 11145379 DND: 2023-08-16 Reg E - ATM Partial Non-Dispense

Decision Outcome: Denied Decision Outcome Reasoning:

• No ATM fee associated
• Money laundering is observed ( Provisional credits issued were swiftly exfiltrated from the account)
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• ATM withdrawals are commonly funded by cash deposits, direct deposits or Pay Anyone transfers occurring within one to two days of the withdrawal date.

Dispute ID: 11145616 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Member goes on to have normal spending activity and does not exhibit money laundering signals
• A payroll direct deposit was present during the timeframe of transactions
• The member’s ATM dispute is limited to a single withdrawal.

Agent: MANHUYOD, JUVIE Dispute ID: 11145541 atm id: 11478620 // phone // bituin.barte@taskus.com

Dispute ID: 11145541 Assistance to remove txn_511422453 , not an associated atm fee for the txn (supposedly 11478620)

Dispute ID: 11145541 / 11153173 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• A payroll direct deposit was present during the timeframe of transactions
• Member goes on to have normal spending activity

vrol#: 2355908149

Agent: MANHUYOD, JUVIE Dispute ID: 11140595 atm id: 96645687 // phone // monaliza.custodio@genpact.com

Dispute ID: 11140595 / 11154199 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• ATM withdrawals are commonly funded by cash deposits and Pay Anyone transfers occurring within one to two days of the withdrawal date
• No direct payroll deposit was present during the timeframe of the disputed transaction
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.

Dispute ID: 11140619 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Denied Decision Outcome Reasoning:

• No ATM fee associated
• Low ending balance
• Money laundering is observed (Provisional credits issued were swiftly exfiltrated from the account)
• The account does not have a history of payroll or direct deposit activity
• ATM withdrawal were funded by PVC and visa money transfers occurring within one to two days of the withdrawal date.

c30554765

4601 West 7th St, Texarkana, TXUS 24633461

Agent: MANHUYOD, JUVIE Dispute ID: 11145357 ATM IDs: 30554765 , 24633461 //livechat//

Dispute ID: 11145357 ATM fee txn is not associated for this txns (Supposedly the correct fees are 30554765 , 24633461 )

Dispute ID: 11145357 / xxxx DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• Low ending balance
• The account does not have a history of payroll or direct deposit activity.
• ATM withdrawals are funded by Visa Money transfers occurring within one to two days of the withdrawal date.
• ATM withdrawals are performed at series of ATM's indicating success at withdrawing cash for the machines
• Frequent Dispute Filing (The member has more than one authorized ATM dispute claim in the last 12 months)
• Enough funds are deposited to cover and complete the disputed transactions.

• The ATM withdrawal amount matches the deposit amount preceding it (commonly around one hour between cash load and offload). Deposit types can include cash deposits and P2P transfers, such as transfers from Pay Anyone, Visa Money Transfer, or Cash App. • Weak/lack of direct deposits or payroll present on the account. • Over 5 months difference between first and last disputed transaction.

Dispute ID: 10756844 DND: 2023-07-12 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer

Dispute ID: 10531114 DND: 2023-06-21 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arbitration Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

Dispute ID: 10498108 DND: 2023-06-18 Non Reg E - Goods/Services Not As Described

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arbitration Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

Dispute ID: 10812267 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

Dispute ID: 10960472 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer

• Received compelling evidence that matches CH's last four of CN and disputed amount and date of transaction on file. As per review, merchant shows receipt of transaction that was processed through the store and was completely successful via POS with chip card reader terminal and EMV PIN verified. No indication that the transaction was declined or voided.

The merchant failed to provide the tracking number which can be taken as reference to clearly prove that the order was delivered successfully to exact CH's desired location. The evidence is uncompelling making it insufficient to deny the claim. Therefore, Pre-Arb initiated. Case ongoing.

Dispute ID: 10700900 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

pending close

Dispute ID: 10926107 DND: 2023-07-28 Reg E - Duplicate Charge

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer

• Received compelling evidence that matches CH's last four of CN and disputed amount and date of transaction on file. as per review, Services were provided. PIN verified Valid transaction

11066759

atm_11119755

Dispute ID: 11098340 DND: 2023-08-12 Reg E - ATM Partial Non-Dispense

Decision Outcome: Approved Decision Outcome Reasoning:

• PTF Claims No CB Rights
• Normal spending activity was observed during the timeframe of the disputed trxn.
• Direct deposits were established during the timeframe of the disputed trxn.
• High ending balance after the disputed trxn.

Dispute ID: 11143903 / 11150706 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Member goes on to have normal spending activity and does not exhibit money laundering signals.
• A payroll deposit was present during the timeframe of transactions.

128// 2355843668 971// 2355843685 936// 2355843705

Dispute ID: 11146204 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Denied Decision Outcome Reasoning:

• No ATM fee associated
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.
• Cardholder's account balance depleted
• The ATM withdrawals are commonly performed at the same ATM or series of ATMs, indicating success at withdrawing cash from the machine(s).
• ATM withdrawals are commonly funded by Visa Money transfer, direct deposits occurring within one to two days of the withdrawal date.
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• Frequent Dispute Filing (The member has more than one authorized ATM dispute claim in the last 12 months; and has history of dispute claims with many past claims denied.)

Dispute ID: 11145379 DND: 2023-08-16 Reg E - ATM Partial Non-Dispense

Decision Outcome: Denied Decision Outcome Reasoning:

• No ATM fee associated
• Money laundering is observed ( Provisional credits issued were swiftly exfiltrated from the account)
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• ATM withdrawals are commonly funded by cash deposits, direct deposits or Pay Anyone transfers occurring within one to two days of the withdrawal date.

Dispute ID: 11145616 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Member goes on to have normal spending activity and does not exhibit money laundering signals
• A payroll direct deposit was present during the timeframe of transactions
• The member’s ATM dispute is limited to a single withdrawal.

Agent: MANHUYOD, JUVIE Dispute ID: 11145541 atm id: 11478620 // phone // bituin.barte@taskus.com

Dispute ID: 11145541 Assistance to remove txn_511422453 , not an associated atm fee for the txn (supposedly 11478620)

Dispute ID: 11145541 / xxxx DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• A payroll direct deposit was present during the timeframe of transactions
• Member goes on to have normal spending activity

vrol#: 2355908149

Agent: MANHUYOD, JUVIE Dispute ID: 11140595 atm id: 96645687 // phone // monaliza.custodio@genpact.com

Dispute ID: 11140595 / 11154199 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• ATM withdrawals are commonly funded by cash deposits and Pay Anyone transfers occurring within one to two days of the withdrawal date
• No direct payroll deposit was present during the timeframe of the disputed transaction
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.

Dispute ID: 11140619 DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Denied Decision Outcome Reasoning:

• No ATM fee associated
• Low ending balance
• Money laundering is observed (Provisional credits issued were swiftly exfiltrated from the account)
• The account does not have a history of payroll or direct deposit activity
• ATM withdrawal were funded by PVC and visa money transfers occurring within one to two days of the withdrawal date.

c30554765

4601 West 7th St, Texarkana, TXUS 24633461

Agent: MANHUYOD, JUVIE Dispute ID: 11145357 ATM IDs: 30554765 , 24633461 //livechat//

Dispute ID: 11145357 ATM fee txn is not associated for this txns (Supposedly the correct fees are 30554765 , 24633461 )

Dispute ID: 11145357 / xxxx DND: 2023-08-16 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• Low ending balance
• The account does not have a history of payroll or direct deposit activity.
• ATM withdrawals are funded by Visa Money transfers occurring within one to two days of the withdrawal date.
• ATM withdrawals are performed at series of ATM's indicating success at withdrawing cash for the machines
• Frequent Dispute Filing (The member has more than one authorized ATM dispute claim in the last 12 months)
• Enough funds are deposited to cover and complete the disputed transactions.

• The ATM withdrawal amount matches the deposit amount preceding it (commonly around one hour between cash load and offload). Deposit types can include cash deposits and P2P transfers, such as transfers from Pay Anyone, Visa Money Transfer, or Cash App. • Weak/lack of direct deposits or payroll present on the account. • Over 5 months difference between first and last disputed transaction.

Dispute ID: 10897994 DND: 2023-07-25 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and disputed amount on file. Terms and conditions applied.

Based on uncompelling evidence, Re-presentment received on 2023-08-12. Shipping address do not match in our records. Unable to validate if the Cardholder received the merchandise and benefited from the transaction. Therefore, merchant need to submit additional documents for us to further validate the claim.

Dispute ID: 10878062 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

Dispute ID: 11062787 DND: 2023-08-09 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

+--------------------

Dispute ID: 10890585 DND: 2023-07-25 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

-+---------------

Dispute ID: 10770120 DND: 2023-07-13 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's email address on file. Transaction involves P2P payment using Cash App. CH Fully authorized payment at time of transfer, therefore service was rendered. CH needs to settle this first directly with the merchant.

Based on uncompelling evidence, Re-presentment received on 2023-08-13. Shipping address do not match in our records. Unable to validate if the Cardholder acquired the services and benefited from the transaction. Therefore, merchant need to submit additional documents for us to further validate the claim.

Dispute ID: 10925514 DND: 2023-07-28 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

Dispute ID: 11057862 DND: 2023-08-08 Reg E - ATM Cash Not Received

Decision Outcome: DENIED Decision Outcome Reasoning: (CHARGEBACK LOST Declined by Acquirer : Valid Re-presentment received) • Last 4 digit of the card matched • Date and time matched • Dispute amount matched • Successful/Normal transaction outcome. • Seq #:3820

"Uncompelling evidence, Merchant failed to provide terms of use. Initiated pre-arb to gather more information. " Initiated pre-arbitration due to uncompelling evidence received on 2023-08-08. As per review, Merchant failed to provide terms of services, refund and cancellation policy. Case ongoing.

Uncompelling evidence, Merchant failed to provide terms of services, refund and cancellation policy. Initiated pre-arb to gather more information.

Dispute ID: 10540830 DND: 2023-06-22 Reg E - Credit Not Posted

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

Dispute ID: 11066006 / 11118598 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No direct deposit during the timeframe of the disputed transaction
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.
• Accounts appear to have one or more PII changes.
• ATM withdrawals are commonly funded by Pay Anyone transfers occurring within one to two days of the withdrawal date.

AGENT: JUVIE MANHUYOD DISPUTE: 11066006 ATM ID: 96437694

nicole.grefalda@taskus.com COMPANY : taskus

Decision Outcome: Denied Decision Outcome Reasoning: ✔ Enough funds are deposited to cover and complete the disputed transactions. (commonly around one hour between cash load and offload). ✔ Frequent Dispute Filing ◼The member has more than one authorized ATM dispute claim in the last 12 months. ◼Chargebacks from previous claim(s) were lost. ✔ Unusual account activity ◼History of dispute claims with many past claims denied. ● ATM withdrawal velocity is high, occurring at or near daily before the dispute original notice date. ●ATM withdrawals are performed at the same ATM or series of ATM's indicating success at withdrawing cash for the machines

Decision Outcome Reasoning:

ATM withdrawal velocity is high, occurring at or near daily before the dispute original notice date.

The ATM withdrawals frequently reach the daily withdrawal limit of $515.

The ATM withdrawals are commonly performed at the same ATM or series of ATMs, indicating success at withdrawing cash from the machine(s).

The ATM withdrawals has prior transactions with the same ATM location.

Has a prior dispute claim under ATM Cash not Dispensed

The account is relatively new, having been created in the past 3-6 months.

denied cnd claims

11309864

Dispute ID: 11099126 / 11118713 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• ATM withdrawal velocity is high, occurring at or near daily before the dispute original notice date.
• Member has prior history of filing ATM CND claims; History of dispute claims with many past claims denied.
• The account is relatively new, having been created in the past 3-6 months.
• The ATM withdrawals are commonly performed at the same ATM or series of ATMs, indicating success at withdrawing cash from the machine(s)
• ATM withdrawals are commonly funded by Transfer to Card and Pay Anyone transfers occurring within one to two days of the withdrawal date.

AGENT: JUVIE MANHUYOD DISPUTE: 11099126 ATM ID: 11309864

juvy.delarosa@taskus.com taskus

Dispute ID: Assistance to remove txn_0658282744, not included in ZD#72781532 (mm comms)

Dispute ID: 11103545 Assistance to remove txn_592378746, no atm associated for this claim due to galileo had settlement of Visa and mcc is 6010 . Claim s not CND withdrawals. (Last action: this was recat to non receipt)

Dispute ID: 11098340 Assistance to remove txn_063048751, not included in ZD#72948959 (mm comms)

Dispute ID: 10951701 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks+
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10951965 DND: 2023-07-30 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks+
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 11079465 DND: 2023-08-14 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims
• Established payroll direct deposit.

Dispute ID: 11067248 DND: 2023-08-14 Reg E - ATM Cash Not Received

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• Insufficient information to proceed with case.

Claim Denied

The member has more than one authorized ATM dispute claim in the last 12 months. Total of 4 CND claims were filed between July 28 to August 13. Weak/lack of direct deposits or payroll. Funding events captured via Visa Money Transfer and Card to Card prior to the ATM withdrawals. History of dispute claims with many past claims denied. The ATM withdrawals are commonly performed at the same series of ATMs, indicating success at withdrawing cash from the machines. Found enough evidence to deny the claim. No error found. Case closed.

Dispute ID: 11120929 DND: 2023-08-14 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATM fee associated
• The member has more than one authorized ATM dispute claim in the last 12 months
• No established payroll deposit during the timeframe of transaction
• ATM withdrawals are commonly funded by Visa Money transfers occurring within one to two days of the withdrawal date.
• Low ending balance
• Cash in/ cash out acitvity was observed
• The ATM withdrawals are commonly performed at the same series of ATMs, indicating success at withdrawing cash from the machines.

Dispute ID: 11113203 DND: 2023-08-14 Reg E - ATM Partial Non-Dispense

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATM fee associated
• Insufficient information to proceed with case.

• What amount did you request from the ATM? • What amount did you receive from the ATM? • Location of the ATM (can be found on the statement or receipt) • Do you have the receipt? If yes, please provide a copy.

Dispute ID: 11119002 Assistance to remove txn_596524740, not an atm fee associated for this txn

Dispute ID: 11119002 ATM ID : 96524737 agent : manhuyod, juvie

Dispute ID: 11119002 / 11131089 DND: 2023-08-14 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No established payroll deposit during the timeframe of transaction
• ATM withdrawals are commonly funded by PVC and Incomm API Load occurring within one to two days of the withdrawal date.
• Low ending balance
• Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal)
• ATM withdrawal velocity is high, occurring at or near daily before the dispute original notice date.
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.

Agent: Manhuyod, Juvie

Dispute ID: 11084761 ATM IDS: 96217746 95722865

phone: // charles.jumalon@taskus.com

Dispute ID: 11084761 Assistance to remove txn_596217742 & txn_595722864, not an atm fees associated for this cash withdrawals.. for request missing atm fee.

Dispute ID: 11084761 / 11131575 DND: 2023-08-11 Reg E - ATM Cash Not Received

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• Insufficient information to proceed with case.

Dispute ID: 11089903 Assistance to remove txn_530244513 , not an atm fees associated for this cash withdrawals

Dispute ID: 11089903 DND: 2023-08-11 Reg E - ATM Cash Not Received

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATM fee associated
• Insufficient information to proceed with case.

Dispute ID: 11119755 / 11012152 DND: 2023-08-12 Reg E - ATM Cash Not Received

96271612

Dispute ID: 11100421 Assistance to remove txn_510546971 , not an atm fees associated for this cash withdrawals.

TXN966268482 request missing atm fee for 10546977

Dispute ID: 11100421 ATM ID : 10546977 phone: // rowena.gutierrez@taskus.com

agent: manhuyod, juvie

correct 10546973 10602954 10546975

Dispute ID: 11100421 / 11131153 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• Insufficient information to proceed with case.

Dispute ID: 11120537 DND: 2023-08-14 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATM fee associated
• No direct deposit established during the timeframe of transaction
• Funded by Incomm API Load occurring within one to two days of the withdrawal date.
• Low ending balance
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.

Dispute ID: 11103545 DND: 2023-08-12 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks+
• CH responded to Zendesk
• Not enough evidence to Deny the claim.

Pre arb initiated as the shipping information of the cardholder is in low quality (UNREADABLE). There is not enough proof that the Cardholder participated in the Transaction, received goods or services, or otherwise benefited from the Transaction. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

Dispute ID: 10977380 DND: 2023-08-01 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

f11119002 atm fee error/ unidentified mother ticket _ 11012152 / 11119730

Dispute ID: 11066759 Dispute ID: 11098340

Dispute ID: 11103545 Recategorize claim to Reg E - Non-Receipt of Goods or Services. As per Penny, "Umm no that’s pretty much it . It’s not really an ATM I use I haven’t used it since that incident but I didn’t know they took the funds and I didn’t get anything but a receipt." Escalated

Dispute ID: 11012152 / 11119730 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning: The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.

• Initial cash loads fund the account, after which the member goes on to have normal spending activity,
• Established payroll direct deposit

ROLCASE : 2354017428

AGENT: JUVIE MANHUYOD DISPUTE: 11012152 ATM ID: 96271612 harold.jaingue@genpact.com

**error in ATM fee Dispute ID: 11066759 / DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning: The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.

• Initial cash loads fund the account, after which the member goes on to have normal spending activity,
• Established payroll direct deposit

ROLCASE : 2354017438

96422190 AGENT: JUVIE MANHUYOD DISPUTE: 11066759 ATM ID: 96422190 jeramay.urbudavillanueva@genpact.com incorrect dispute for atm fee: 11119730 (atm fee_ 596271612)

should be: 96422190

AGENT: JUVIE MANHUYOD DISPUTE: 11098557 ATM ID: 31139010 ATM ID: 31185533 christopher.tolentino@taskus.com

Dispute ID: 11098557 / xxxx DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• The account does not have a history of payroll or direct deposit activity.
• ATM withdrawals are commonly funded by Incomm API Load occurring within one to two days of the withdrawal date.
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• Low ending balance
• Cash on cash off was observed.

Dispute ID: 11098723 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Member goes on to have normal spending activity.

ROLCASE : 2354036493 okeys na

AGENT: JUVIE MANHUYOD DISPUTE: 11084469 ATM ID: 11700469 aissagail.caringal@genpact.com

Dispute ID: 11084469 / xxxxx DND: 2023-08-12 Reg E - ATM Partial Non-Dispense

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Member goes on to have normal spending activity
• Established payroll direct deposit

283.00 ROLCASE : 2354060624

Dispute ID: 11099736 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Established payroll direct deposit

ROLCASE : 2354060771 okseys na

Dispute ID: 11098340 DND: 2023-08-12 Reg E - ATM Partial Non-Dispense

Decision Outcome: Approved Decision Outcome Reasoning:

• PTF Claims No CB Rights
• Normal spending activity was observed during the timeframe of the disputed trxn.
• Direct deposits were established during the timeframe of the disputed trxn.
• The disputed trxn was funded by Direct deposit.
• High ending balance after the disputed trxn.
• No money laundering was observed on CH's account during the timeframe of the disputed trxn

juvie.manhuyod@chime-mail.ubiquitygs.com
@@Password700123

https://chime.shelf.io/read/85ec3bfa-c67a-4171-986c-605fc696925a?parentId=abed487a-4716-4d2a-ab4f-b319d4740d25&trigger=quick-action-bar&view=snippet-view&source=shelf

Dispute ID: 10549133 DND: 2023-06-29 Reg E - ATM Cash Not Received

Decision Outcome: APPROVED Decision Outcome Reasoning: • Chargeback Won - Consumer Dispute - Response Timeframe Expired

Dispute ID: 10978292 DND: 2023-08-01 Reg E - ATM Cash Not Received

Decision Outcome: DENIED Decision Outcome Reasoning: (CHARGEBACK LOST Declined by Acquirer : Valid Re-presentment received) • Last 4 digit of the card matched • Date and time matched • Dispute amount matched • Successful/Normal transaction outcome. • Seq #:9059

10848888
10848864
10848874 10848877
10848903 10848908 10848920 10849617 10849623

10878592 10878596 10878601

10879600 10879606 10879607

10879861 credit 10879952 credit

10880499 10880502 10880505 10880518

9921410 10523787 10523095 10523674 10358478 10386842

10890618 -credit

10977106 cb 10977281 cb 10977380 cb 10977851 cb 10977930 cb

10977502 add 10977739 add 10977596 add_starcase 10848864 pvc

10977484 **credit 10977485 **credit 10977579 **credit 10977590 **credit **Dispute ID: 10913295 Issued PVC.

11039011 cb 10983600 cb 11050851 cb
11047169 cb 11037566 xb 11038509 cb 11040210 cb 11047000 cb

Dispute ID: 11039011 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• PVC issued
• The member's ATM dispute do not have a prior history of filing ATM CND claims.
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 11037790 / 11050729 DND: 2023-08-07 Reg E - ATM Partial Non-Dispense

Decision Outcome: Deny Decision Outcome Reasoning: • Low ending balance • Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal) • There is an initial funding event, typically via a form of Visa Money Transfers • Has Fraud Trend Hallmarks ( 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 phone).

10731590 rtf -1 10795361 **declined reg e

Dispute ID: 10567109 DND: 2023-06-23 Reg E - Credit Not Posted

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: -Chargeback won - Response Accepted by Acquirer

Dispute ID: 10826589 DND: 2023-07-19 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome: -Chargeback won - Response Accepted by Acquirer

Dispute ID: 10924151 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and phone number on file. Apple cash is a Peer to Peer electronic funds transfer service ONLY. The money/ P2P express transaction requested was transferred and completed successfully.

Dispute ID: 10871511 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10901102 DND: 2023-07-26 Non Reg E - Merchandise Was Returned

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10907847 Recategorize dispute to Non-Receipt of Goods or Services .As per Penny, member mentioned "It was a scam website and did not go through on the merchants end. I just want my money back." Escalated.

2352075421

Non Reg E - Non-Receipt of Goods or Services Dispute ID: 10907847 DND: 2023-07-26

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

11072245 *credit

11071979 11071993 11071997 11072248 11073389

Dispute ID: 11071979 DND: 2023-08-10 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 11071993 DND: 2023-08-10 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 11071997 DND: 2023-08-10 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 11072248 DND: 2023-08-10 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Ineligible
• Not enough evidence to Deny the claim.

Dispute ID: 10853346 DND: 2023-07-21 Reg E - Transaction Was Cancelled

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer

• Received Compelling evidence that matches CH information on file. Terms and conditions applied. As per merchant, member has no records of cancel on their membership or did contact about a cancellation prior to this charge.

11068002 11063972 11062980 11000413 11067107

Dispute ID: 11063972 DND: 2023-08-09 Reg E - ATM Partial Non-Dispense

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATM fee associated
• Low ending balance
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.
• The account is relatively new, having been created in the past 3-6 months.
• There is an initial funding event, typically via card to card and Incomm API Load
• The account does not have a history of payroll or direct deposit activity

Dispute ID: 11062980 DND: 2023-08-09 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning: -The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.

• Initial cash loads fund the account, after which the member goes on to have normal spending activity and does not exhibit money laundering signals.

Dispute ID: 11000413 DND: 2023-08-09 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Member goes on to have normal spending activity

Dispute ID: 11068002 DND: 2023-08-09 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATM fee associated
• Low ending balance
• Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal) • -
• The account is relatively new, having been created in the past 3-6 months.
• There is an initial funding event, typically via Visa Money transfers, card to card and Incomm API Load
• The account does not have a history of payroll or direct deposit activity
• ATM withdrawals are commonly funded by Visa Money Transfer transfers occurring within one to two days of the withdrawal date.

Dispute ID: 11073389 DND: 2023-08-10 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

24793383210003748442077

Dispute ID: 11067107 DND: 2023-08-09 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated -The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.

Dispute ID: 10731590 DND: 2023-07-10 Reg E - ATM Cash Not Received

Decision Outcome: APPROVED Decision Outcome Reasoning: • Chargeback Won - Consumer Dispute - Response Timeframe Expired

Decision Outcome: DENIED Decision Outcome Reasoning: (CHARGEBACK LOST Declined by Acquirer : Valid Re-presentment received) • Last 4 digit of the card matched • Date and time matched • Dispute amount matched • Successful/Normal transaction outcome • Seq #:0871.

684621192166

9261290287983664194749

Dispute ID: 10816131 DND: 2023-07-18 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's disputed amount, phone number number information on file. Merchandises were delivered via USPS/FedEX with tracking numbers: 684621192166 and 9261290287983664194749.

Dispute ID: 10659370 DND: 2023-07-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arbitration Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

+----------------------- Dispute ID: 10879377 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's disputed amount, last four of CN and date of transaction on file. As per review, CH is violating PayPal User Agreement governing use of Venmo account and the Venmo services by buying goods or services through 'Friends and Family Flow'. It can only be used for personal money transfers between two individuals and not business entities. The sections mentioned in the PayPal User Agreement states "You may not use the 'send money to a friend or family member' feature in the PayPal account when paying for goods and services.

Dispute ID: 10878596 DND: 2023-07-24 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer

• Received compelling evidence that matches CH's last four of CN and disputed amount and date of transaction on file. As per review, merchant shows receipt of transaction that was processed through the store and was completely successful via POS with chip card reader terminal and EMV PIN verified. No indication that the transaction was declined or voided.

Internal Note: Initiated pre-arbitration due to uncompelling evidence received on 2023-08-08. As per review, Merchant failed to provide terms of services, refund and cancellation policy. Case ongoing.

E: 09/09/2023 StarROL#23080200003207

Dispute ID: 10710937 DND: 2023-07-16 Reg E - Credit Not Posted

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Received uncompelling evidence -Pre-Arbitration Initiated.

Dispute ID: 10881500 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10926105 DND: 2023-07-28 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10983600 / 11050851 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• PVC issued
• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 11042637 /11050877 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• Low ending balance
• Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims.
• The account is relatively new, having been created in the past 3-6 months.
• There is an initial funding event, typically via card to card and Incomm API Load
• The account does not have a history of payroll or direct deposit activity
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.

Dispute ID: 11045671 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• Low ending balance
• The account is relatively new, having been created in the past 3-6 months.
• There is an initial funding event, typically via a form of Visa Money Transfers.
• The account does not have a history of payroll or direct deposit activity
• The member’s ATM dispute have prior history of filing ATM CND claims.
• Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal).

Dispute ID: 11047169 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal
• Initial cash loads fund the account, after which the member goes on to have normal spending activity and does not exhibit money laundering signals.

Dispute ID: 11037566 / 11052033 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal
• Initial cash loads fund the account, after which the member goes on to have normal spending activity and does not exhibit money laundering signals.

minimal spender weak dd funded by vsa money transfer

Dispute ID: 11038509 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal
• Initial cash loads fund the account, after which the member goes on to have normal spending activity.
• establishes payroll direct deposit.

Dispute ID: 11040210 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, and does not exhibit money laundering signals.

Dispute ID: 11047000 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 10540863 DND: 2023-06-22 Non Reg E - Goods/Services Not As Described

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

**Internal Note: Previous analyst had incorrectly transistioned chargeback date in inspector.

Dispute ID: 10546577 DND: 2023-06-22 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved/Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -TXN94427249660 is Under Threshold No Chargeback Rights -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

Dispute ID: 10463645 DND: 2023-06-14 Non Reg E - Merchandise Was Returned

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

Dispute ID: 10751273 DND: 2023-07-12 Reg E - Duplicate Charge

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

Erratum:

Dispute ID: 10546577 DND: 2023-06-22 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved/Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -TXN94427249660 is Under Threshold No Chargeback Rights -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

Dispute ID: 10860521 DND: 2023-08-02 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Uncompelling evidence, Merchant failed to provide terms of services, refund and cancellation policy. Initiated pre-arb to gather more information.

Dispute ID: 10812680 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Received uncompelling evidence -Pre-Arbitration Initiated.

Dispute ID: 10848874 DND: 2023-07-21 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10848920. Recategorized dispute to Goods/Services Not As Described. As per Penny" purchase_description: It was food that was horribly made and given to me so I refused the food and wanted a refund but then ended up being a whole problem. Escalated.

Dispute ID: 10848920 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10977502 DND: 2023-08-01 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk with all the info needed for chargeback
• Not enough evidence to Deny the claim.

Dispute ID: 10756844 DND: 2023-07-12 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10878592 DND: 2023-07-24 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10878601 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk with all the info needed for chargeback
• Not enough evidence to Deny the claim.

Dispute ID: 11041137 / 11055548 DND: 2023-08-07 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• PVC issued
• The member’s ATM dispute is limited to a single withdrawal
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, and does not exhibit money laundering signals.

**Dispute ID: 10848864 Issued PVC.

Dispute ID: 10977106 DND: 2023-08-01 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10977281 DND: 2023-08-01 Reg E - Incorrect Amount Charged

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• Not enough evidence to Deny the claim.

Dispute ID: 10977380 DND: 2023-08-01 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10977502 DND: 2023-08-01 Non Reg E - Goods/Services Not As Described

11005420 **CND 11005092 **credit reg z

Dispute ID: 10991801 DND: 2023-08-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

-+-------------------

Dispute ID: 10965178 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

Dispute ID: 10800518 DND: 2023-07-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence. As per review, merchant showed receipt for the disputed charge matched the total amount and the last 4 digits number of CH card on file. Transaction was processed through the store and it was card present. No indication that the transaction was declined or voided.

Dispute ID: 10648739 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired

Dispute ID: 10838596 DND: 2023-07-20 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Ineligible
• PTF Claims - No Chargeback Rights (Beyond 120 allowable days)
• No recovery options available

atm fe id: 11700469

Dispute ID: 11084469 / 11122051 DND: 2023-08-12 Reg E - ATM Partial Non-Dispense

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.
• Member goes on to have normal spending activity
• Established payroll direct deposit

31139010 31185533

Dispute ID: 11098557 / 11122014 DND: 2023-08-12 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• The account does not have a history of payroll or direct deposit activity.
• ATM withdrawals are commonly funded by Incomm API Load occurring within one to two days of the withdrawal date.
• There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period.
• Low ending balance
• Cash on cash off was observed.

Dispute ID: 10890427 Recategorize dispute to Non-Receipt of Goods or Services .As per ZD#71784981, member mentioned "MOVIE TICKETS WERE NOT USED AND WERE BOUGHT ACCIDENTALLY." Escalated.

Dispute ID: 10964709 DND: 2023-07-31 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: Assistance to remove txn_0658282744, non included in ZD#72781532 (mm comms)

Dispute ID: 11103545 Assistance to remove txn_592378746, no atm associated for this claim due to galileo the settlement is Visa mcc6010 and not CND withdrawals. (Last action: this was recat to non receipt)

Dispute ID: Assistance to remove txn_

Dispute ID: 10890427 DND: 2023-07-25 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10913295 DND: 2023-07-27 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10913297 DND: 2023-07-27 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10913298 DND: 2023-07-27 Non Reg E - Goods/Services Not As Described

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Received full merchant credit

Dispute ID: 10933012 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10951497 DND: 2023-07-30 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• PTF Claims
• No Chargeback Rights (Beyond 120 allowable days)

Dispute ID: 10951575 DND: 2023-07-30 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

10834042 - carlos

Dispute ID: 10837753 Recategorized claim to Non-Receipt of Goods or Services. As per penny "purchase_description: Didn't receive the shoes". Escalated.

Dispute ID: 10837753 DND: 2023-07-20 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 11004512 DND: 2023-07-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Did you authorized all the transactions?

Provide detailed description of what was purchased? What were the expected receipt date of each transaction? Was all the merchandise delivered to the wrong location? Did you attempt to resolve all the disputes with the merchants? Did the cardholder cancel prior to the expected date (please specify all cancellation dates and reasons for cancellations) ? Was a cancellation policy provided?

Dispute ID: 10834042 DND: 2023-07-19 Reg E - Duplicate Charge

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Received partial merchant credits
• Remaining claim is under threshold

**Internal Note: Previous analyst incorrectly issued tempotary credit.

Dispute ID: 10838592 DND: 2023-07-20 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Received partial merchant credit
• Remaining claim is under threshold No CB Rights

Dispute ID: 10838592 Recategorized claim to Non-Receipt of Goods or Services. As per penny "additional_info: I purchased a month ago never received it and fed ex returned it and I canceled tablet order". Escalated.

11008452 **credit reg z 11008842 **credit reg z 11009052 **credit reg z

11008427 resolved 11008449 cb 10807396 cb 11008414 cb 11008852 add info 11009064 cb 11009069 add 11009072 cb

Dispute ID: 10807396 DND: 2023-08-04 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10807396 DND: 2023-08-04 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

-+-----------------

Dispute ID: 11008427 DND: 2023-08-04 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Remaining claim is Under Threshold No Chargeback Rights
• No recovery options available

Dispute ID: 11008449 DND: 2023-08-04 Reg E - Incorrect Amount Charged

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• Not enough evidence to Deny the claim.

Dispute ID: 11009064 DND: 2023-08-04 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 11009069 DND: 2023-08-04 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 11009072 DND: 2023-08-04 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10614915 DND: 2023-06-29 Reg E - Credit Not Posted

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received compelling evidence that matches CH's name, address and last four CN on file. Merchant provided documentation on proof of usage.

24492153172717394633658

♦Submitted with the copy of the folio showing the difference between the original transaction and the disputed amount indicating

Couldn't validate a unique transaction identifier such as the order number and order date.

Dispute ID: 10849623 DND: 2023-07-21 Reg E - Incorrect Amount Charged

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10064496 DND: 2023-05-08 Reg E - Duplicate Charge

Decision Outcome: Approved (Post monitoring) Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Initiated

Chargeback Decision Outcome: Denied

• Received uncompelling evidence
• Pre-Arb initiated last 08-02-2023 (Waiting for possible recovery option)
• Final Determination. Resolution time 90 days resolution expired
• Write-off

Provide details of what was ordered and not as described: Were there any attempts of resolving with the merchant? Expected shipment date: Did you receive the item? Reason of return: When did you return? Date you return the item? Date merchant received the item? Return method: Tracking number (if applicable): Did you cancel? When did you cancel? Was a cancellation policy provided?

**close to others Dispute ID: 10977596 DND: 2023-08-01 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10977739 DND: 2023-08-01 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10977851 DND: 2023-08-01 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10977930 DND: 2023-08-01 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

==============ABOVE IS PLAYNEXT===================

10990014 add 10860521 vcr 10990255 cb 10967106 cb 10991801 cb 10992422 cb 10992447 cb 10961317 **ATM / 10991792 *credit

INTERNAL NOTATION : CB Tab Error. Already did manual adjustment for CB Won.

Provide details of what was ordered and not as described: Were there any attempts of resolving with the merchant? Expected services to be rendered (sepcific date, mm/dd/yyyy): Did you cancel? When did you cancel? Was a cancellation policy provided? Was a refund policy provided? Was a terms of services or aggreement were disclosed?

Dispute ID: 10990014 DND: 2023-08-02 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10860521 DND: 2023-08-02 Reg E - Transaction Was Cancelled

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• Visa Core Rules
• Not enough evidence to Deny the claim.

Dispute ID: 10990255 DND: 2023-08-02 Non Reg E - Non-Receipt of Goods or Services.

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10936972 DND: 2023-08-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Received full merchant credit

Dispute ID: 10967106 DND: 2023-08-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10991801 DND: 2023-08-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10965343 DND: 2023-08-01 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: DENY Decision Outcome Reasoning:

• ATO Hallmarks Present
• Multiple claims with same dispute type filed on the same day
• The CH disputed transaction had a pattern of which abuses our Policy for REG E
• Member did not provide any evidence of cancellation. No receipt, email or cancellation number.
• 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 phone.
• Prior funding is enough to cover the transaction.
• Accounts appear to have one or more PII changes.
• Account balanced drained / depleted.

Dispute ID: 10992422 DND: 2023-08-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

24492153202740024102617

24492153202854030352676

Dispute ID: 10992447 DND: 2023-08-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

busckcettdtdsssssssssssssssssssssssssssssssssssssssss

Dispute ID: 10497649 DND: 2023-06-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

Dispute ID: 10800721 DND: 2023-07-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

9261292700465671464836

Dispute ID: 10221395 DND: 2023-05-22 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Deny Claim Denied following Pre-Arbitration Outcome: -Pre-Arbitration lost - Declined by Acquirer Received Compelling evidence that matches CH's billing information on file. As per review in the representment, items are likely as described by the member. Merchandise was delivered via USPS with tracking number: 9261292700465671464836.

**Internal Notes: Previous analyst failed to transistion Correct Chargeback Outcome with compelling evidence following Chargeback Outcome explanation result. No transistion of filing Pre-Arbitration.

**Internal Notes: Unable to transistion correct Pre-Arbitration response in inspector.

Dispute ID: 10803262 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's email address, phone number and disputed amount on file..

Dispute ID: 10665132 DND: 2023-07-03 Non Reg E - Goods/Services Not As Described

Decision Outcome: Pre-Arbitration Filed Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.
• Pre-Arb Initiated

Based on uncompelling evidence, Re-presentment received on 2023-08-02. Shipping address do not match in our records. Unable to validate if the Cardholder received the merchandise and benefited from the transaction. Therefore, merchant need to submit additional documents for us to further validate the claim..

Dispute ID: 10879600 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received compelling evidence that matches CH's last four CN, transaction date and disputed amount on file. Transaction involves P2P payment using Metapay. CH Fully authorized payment at time of transfer, therefore service was rendered. CH needs to settle this first directly with the merchant.

Dispute ID: 10848966 DND: 2023-07-21 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10812680 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10732331 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10811866 DND: 2023-07-17 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10812980 DND: 2023-07-17 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10826018 DND: 2023-07-19 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10811976 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10826480 DND: 2023-07-19 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

10826480 10811976 10826018 10812980 10732331 10811866 10812680 10848966

========================

Please send me your insights how did you able to get that scores and action plan to either maintain or improve your scores for the month of august. Direct message me ha i'll do one on one try ko later bisan pila lang kag bwas para ma talk ta kmu tanan

**fraud Dispute ID: 10828636 DND: 2023-07-19 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning: • PTF claim • Ato Hallmarks present :

• 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. -Disputed transactions are spread out over an extended period of time, demonstrating knowledge of txns, balance and hallmarks of potential dispute abuse.
• 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 phone.

10648965 10627732 10637469 10460281

//TRACKED Dispute ID: 10648965 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

//TRACKED Dispute ID: 10627732 DND: 2023-06-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

//TRACKED Dispute ID: 10637469 DND: 2023-07-01 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired

//TRACKED Dispute ID: 10460281 DND: 2023-06-14 Non Reg E - Goods/Services Not As Described

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired

10952842 ADD 10952866 ADD 10952919 ADD 10938229 ADD 10938381 ADD 10938438 ADD 10938500 ADD

10952886 _UNTOUCH //resolved 10952895 _UNTOUCH //resolved 10952907 _UNTOUCH //resolved

Decision Outcome: DENY Decision Outcome Reasoning:

• Account being escalated for dispute abuse/closure review | Account has been sent to be reviewed due to investigation for a possible part of the ATO fraud trend. Due to the following evidence gathered:
• 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 phone
• Disputes filed within the same time altogether suggesting that the person doing these transactions had full control of the account and balance is known.
• Accounts appear to have one or more recent PII changes.
• Multiple dispute with the same dispute type.
• Account balance drained or close to zero. -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.

//tracked Dispute ID: 10926107 DND: 2023-07-28 Reg E - Duplicate Charge

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10924151 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10951864 DND: 2023-07-30 Reg E - Transaction Was Cancelled

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• Visa Core Rules
• Not enough evidence to Deny the claim.

Erratum:

Dispute ID: 10960472 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

4232230245106013

///////////////////////

Dispute ID: 10900941 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer -Received Compelling evidence that matches CH's last four of CN and disputed amount and date of transaction on file. As per review, merchant shows receipt of transaction that was processed through the store. No indication that the transaction was declined or voided. In addition, merchant mentioned in the re-presentment that member had requested the kind of service and initially like it.

10890420 10890427 10890575 10890578 10890581 10890585 10890592 10890608 10890614 10891178

10900941 10881500 10871511 10901102 10901105 10901332 10901341 10878062 10689829 10900943

10925505 cb 10925514 cb 10925665 cb

10926096 add in 10926102 add in 10926105 vcr 10926107 star 10926115 resolved (fraud) 10926122 resolved (fraud) 10926129 add in

10925546 10903037 10889838 10872484 10873656 10836813

10924151 add 10951497 add 10951575 add 10951701 add 10951864 add 10951965 add 10952187 add 10933012 add 10952652 add 10951373 resolv

10952173 _credit

11056596 resolv 11054089 cb 11052486 star* 11052443 cb 11057862 cb

Decision Outcome: Denied Decision Outcome Reasoning: ✔ Frequent Dispute Filing ◼ The member has more than one authorized ATM dispute claim in the last 12 months. ◼If the chargeback(s) were won the member might exit the PVCs through ATM withdrawal. They then make a claim on the new withdrawal to recycle the PVCs. ✔ Unusual account activity ◼History of dispute claims with many past claims denied.

• There is an initial funding event, typically via PVC. • Low Ending Balance • ATM withdrawal velocity is high. • There is a minimal (or nonexistent) volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc.) during the dispute period. • ATM withdrawals are commonly funded by Visa Money Transfer transfers occurring within one to two days of the withdrawal date.

• Provisional credits issued were swiftly exfiltrated from the account. • Ch have a prior dispute from cash not dispense. • Cash on/cash off load pattern

*Direct deposit not established during the timeframe of the disputed trxn. *The disputed trxns were funded by Visa Money Transfer *Acc. has low ending balance after the disputed trxn.

*Cash on/off on ch's acc. was observed during the timeframe of the disputed trxn. *There is a high velocity of ATM Withdrawal claims.

*The disputed trxns were funded by Visa Money Transfer *Account has low ending balance after the disputed trxn.

Dispute ID: 11056596 / 11061125 DND: 2023-08-08 Reg E - ATM Partial Non-Dispense

Decision Outcome: Deny Decision Outcome Reasoning: • Frequent Dispute Filing: The member has more than one authorized ATM dispute claim in the last 12 months. Provisional credits issued were swiftly exfiltrated from the account • Unusual account activity: History of dispute claims with many past claims denied • The disputed trxns were funded by Visa Money Transfer • Account has low ending balance after the disputed trxn.

Dispute ID: 11054089 DND: 2023-08-08 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.

**pending

Dispute ID: 11052486 DND: 2023-08-08 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fee associated
• The member’s ATM dispute is limited to a single withdrawal
• Member goes on to have normal spending activity and does not exhibit money laundering signals.

23080900004044

Bancorp (031101279) 4232230277477852 2023-07-24

$300.00

Dispute ID: 11052443 DND: 2023-08-08 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal.
• Member has established payroll direct deposit
• Account does not exhibit money laundering signals.

Dispute ID: 11057862 DND: 2023-08-08 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.

Dispute ID: 10977596 DND: 2023-08-01 Non Reg E - Goods/Services Not As Described ------request

• Not enough evidence to Deny the claim.

4232232026294844

2023-07-27

92612909857286571007113421

Merchant submitted evidence showing that they delivered the order to the cardholder however, upon checking the address on our end it is different from the re-presentment thus, making it uncompelling. There is not enough proof to prove that the Cardholder received goods or services, or otherwise benefited from the Transaction.

Dispute ID: 11009064 DND: 2023-08-04 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence
• Pre-Arbitration Initiated.

-*--------------

Dispute ID: 10908237 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, phone number and shipping address on file. Merchandise was delivered via FedEx with tracking number: 780547055965.

Dispute ID: 10977281 DND: 2023-08-01 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed
• Pre-Arbitration Filed
• PVC reversal

Pre-Arbitration Decision Outcome: Deny Claim Denied following Pre-Arbitration Outcome:

• Pre Arbitration lost - Pre-Arb Response Declined by Acquirer
• Received compelling evidence that matches CH's last four of CN and disputed amount and date of transaction on file. As per review, merchant shows receipt of transaction that was processed through the store and was completely successful via POS with chip card reader terminal and EMV PIN verified. No indication that the transaction was declined or voided.

11062774 11062762 11062777 11062787

Dispute ID: 11062762 DND: 2023-08-09 Non Reg E - Merchandise Was Returned

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Provide details of what was ordered and not as described: Were there any attempts of resolving with the merchant? Expected shipment date: Did you receive the item? Reason of return: When did you return? Date you return the item? Date merchant received the item? Return method: Tracking number (if applicable): Did you cancel? When did you cancel? Was a cancellation policy provided?

Dispute ID: 11062777 DND: 2023-08-09 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 11062787 DND: 2023-08-09 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

2023-07-14 $32.21 4232232038393568

Dispute ID: 10795516. Claim recategorized from Transaction Was Cancelled to Non Receipt of Goods/Services. As per penny."merchant canceled the txn on their end." Escalated.

Dispute ID: 10795516 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Insufficient information to proceed with Chargeback

Dispute ID: 10890592 DND: 2023-07-25 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10926129 DND: 2023-07-28 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted add info request
• Not enough evidence to Deny the claim.

Dispute ID: 10754859 DND: 2023-07-12 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and shipping address on file. Merchandise was delivered via FedEx with tracking number: 61290988093325073213.

10964866 add 10964904 add 10964946 add 10965091 add 10965270 add 10965413 cb 10964812 cb 10965178 cb 10964709 vcr 10965015 resolved as fraud

Dispute ID: 10964709 DND: 2023-07-31 Reg E - Transaction Was Cancelled

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Visa Core Rules
• PVC Issued
• Not enough evidence to Deny the claim.

Dispute ID: 10964812 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10964866 DND: 2023-07-31 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Provide details of what was ordered and not as described: Were there any attempts of resolving with the merchant? Expected shipment date: Did you receive the item? Reason of return: When did you return? Date you return the item? Date merchant received the item? Return method: Tracking number (if applicable): Did you cancel? When did you cancel? Was a cancellation policy provided?

Dispute ID: 10964904 DND: 2023-07-31 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10964946 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

FRAUD Dispute ID: 10965015 DND: 2023-07-31 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: DENY Decision Outcome Reasoning:

• Account being escalated for dispute abuse/closure review | Account has been sent to be reviewed due to investigation for a possible part of the ATO fraud trend. Due to the following evidence gathered:
• 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 phone
• Disputes filed within the same time altogether suggesting that the person doing these transactions had full control of the account and balance is known.
• Accounts appear to have one or more recent PII changes.
• Multiple dispute with the same dispute type.
• Account balance drained or close to zero. -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 ID: 10965091 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10965178 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10965270 DND: 2023-07-31 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Date the refund/credit was supposed to arrive (please specify mm/dd/yyyy). Proof of promised refund such as credit voucher or refund acknowledgement.

Dispute ID: 10965413 DND: 2023-07-31 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

ALLL PLAYNEXT UPP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

10965068 ADD INFO 10965116 ADD INFO 10965123 ADD INFO 10899962 ADD INFO

10965170 UNTOUCH 10965224 UNTOUCH 10952733 UNTOUCH 10966126 ADD INFO

Based on uncompelling evidence, Re-presentment received on 2023-08-01. CH information didn't match at all. Therefore, merchant need to submit additional documents for us to further validate the claim.

//tracked Dispute ID: 10874766 DND: 2023-07-23 Reg E - Transaction Was Cancelled

Decision Outcome: Pre-Arbitration Initiated Decision Outcome Reasoning:

• No Ato Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost- Declined by Acquirer
• Received uncompelling evidence
• Pre-Arbitration Filed

//tracked Dispute ID: 10497710 DND: 2023-06-18 Non Reg E - Goods/Services Not As Described

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

//tracked Dispute ID: 10968711 DND: 2023-07-01 Reg E - Duplicate Charge

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• Insufficient information to proceed with case.

**Internal Note: Late Filing of case as per ZD#70299033.

10536029 - balda in notation

//tracked Dispute ID: 10648965 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Pre-Arbitration Initiated Decision Outcome Reasoning:

• No Ato Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost- Declined by Acquirer
• Received uncompelling evidence
• Pre-Arbitration Filed

Based on uncompelling evidence, Re-presentment received on 2023-07-30. Merchant have not yet fulfilled the order. No tracking number was provided. Therefore, merchant need to submit additional documents for us to further validate the claim.

//tracked Dispute ID: 10598779 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer Received Compelling evidence that matches CH's name, last four of CN, and billing address. Merchant mentioned in the representment that merchandise was delivered.

//tracked Dispute ID: 10837763 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome: -Chargeback lost - Declined by Acquirer Received Compelling evidence that matches CH information on file. Transaction involves P2P payment using Cash App. CH Fully authorized payment at time of transfer, therefore service was rendered. CH needs to settle this first directly with the merchant.

//tracked Dispute ID: 10913265 DND: 2023-07-27 Reg E - Credit Not Posted

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10848903 DND: 2023-07-21 Reg E - Duplicate Charge

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• As per review, original transaction has not settled
• Visa Expired Auth
• PVC reversal

Dispute ID: 10848908 DND: 2023-07-21 Reg E - Duplicate Charge

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• As per review, original transaction has not settled
• Visa Expired Auth
• PVC reversal

Dispute ID: 10926096 DND: 2023-07-28 Non Reg E - Goods/Services Not As Described

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk
• Not enough evidence to Deny the claim.

*** Internal Notes ***

Late assigned to representative. PC due already (07/17/2023).

Dispute ID: 10764786 DND: 2023-07-13 Reg E - Credit Not Posted

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

Dispute ID 10807575 claim re-categorized from Non-Receipt of Goods or Services to Goods/Services Not As Described. As per CH via VCF; "My purchase was two anime figures that were very expensive. i opened the boxes and they were stuffed with hard pieces of plastic and paper.." Escalated.

Dispute ID: 10807575 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

*** Internal Notes: Previous analyst had failed to issue PC on time.

10965170 10952733 10965170 UNTOUCH 10952733 UNTOUCH

FRAUD Dispute ID: 10965015 DND: 2023-07-31 Reg E - Paid for Goods/Services By Other Means

Dispute ID: 10965170 DND: 2023-07-31 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: DENY Decision Outcome Reasoning:

• Account being escalated for dispute abuse/closure review | Account has been sent to be reviewed due to investigation for a possible part of the ATO fraud trend. Due to the following evidence gathered:
• 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 phone
• Disputes filed within the same time altogether suggesting that the person doing these transactions had full control of the account and balance is known.
• Accounts appear to have one or more recent PII changes.
• Multiple dispute with the same dispute type.
• Account balance drained or close to zero. -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 ID: 10952733 DND: 2023-07-30 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: DENY Decision Outcome Reasoning:

• Account being escalated for dispute abuse/closure review | Account has been sent to be reviewed due to investigation for a possible part of the ATO fraud trend. Due to the following evidence gathered:
• 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 phone
• Disputes filed within the same time altogether suggesting that the person doing these transactions had full control of the account and balance is known.
• Accounts appear to have one or more recent PII changes.
• Multiple dispute with the same dispute type.
• Account balance drained or close to zero. -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.

//tracked Dispute ID: 10924151 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10951373 DND: 2023-07-30 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Remaining claim amount is below threshold no chargeback rights
• No recovery options available

//tracked Dispute ID: 10951497 DND: 2023-07-30 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10951575 DND: 2023-07-30 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10951701 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Erratum:

//tracked

Dispute ID: 10951864 DND: 2023-07-30 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10951965 DND: 2023-07-30 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Provide details of what was ordered and not as described: Were there any attempts of resolving with the merchant? Expected shipment date: Did you receive the item? Reason of return: When did you return? Date you return the item? Date merchant received the item? Return method: Tracking number (if applicable): Did you cancel? When did you cancel? Was a cancellation policy provided?

//tracked Dispute ID: 10952187 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10933012 DND: 2023-07-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10952652 DND: 2023-07-30 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

BUCKETTSTS******

//tracked Dispute ID: 10497556 DND: 2023-06-17 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

//tracked Dispute ID: 10666136 DND: 2023-07-03 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

//tracked Dispute ID: 10603190 DND: 2023-06-28 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10079934 DND: 2023-06-21 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arbitration Outcome:

• Pre-Arbitration won - Response Accepted Full by Acquirer

10900110_a 10899962_a 10899969_a

10900026 _untouch 10900037 _untouch

10875721

**Internal Note: Previous analyst failed to identify ATO evidence and fraud signals upon initial investigation of this claim. //tracked

Dispute ID: 10900026 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Accounts appear to have one or more PII changes. -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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 balance drained or close to zero.

//tracked Dispute ID: 10900037 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Accounts appear to have one or more PII changes. -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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 balance drained or close to zero.

//tracked Dispute ID: 10648871 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH information on file. Merchandise was delivered via FedEx with tracking number: 780415010550.

//tracked Dispute ID: 10836614 DND: 2023-07-20 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH information on file.

//tracked Dispute ID: 10880505 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH information on file. Merchandise was delivered via FedEx with tracking number: 1620639156.

**Internal Note: Previous analyst failed to identify ATO evidence and fraud signals upon initial investigation of this claim.

Erratum: //tracked

Dispute ID: 10836813 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning: -Chargeback Filed -PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH information on file.

10826832 10881500 10561363 **Internal note: Unable to transistion correct VROL#2346288835 due to error in inspector tab.

Dispute ID: 10826832 DND: 2023-07-19 Non Reg E - Merchandise Was Returned

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10881500 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Visa Core Rules
• Not enough evidence to Deny the claim.

--

Dispute ID: 10561363 DND: 2023-06-24 Reg E - Transaction Was Cancelled.

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10837756 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH information on file.

//tracked Dispute ID: 10925505 DND: 2023-07-28 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10925514 DND: 2023-07-28 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10925665 DND: 2023-07-28 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 11013274 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fees associated
• PVC issued
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

**pending

Dispute ID: 10986847 / 11040154 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member's ATM dispute is limited to a single withdrawal and they do not have a prior history of filing ATM CND claims.
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 11034620 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 11035224 DND: 2023-08-06 Reg E - ATM Partial Non-Dispense

Decision Outcome: Deny Decision Outcome Reasoning: • ATM withdrawal velocity is high, occurring at or near daily before the dispute original notice date. • Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal. They then make a claim on the new withdrawal to recycle the PVCs) • Frequent Dispute Filing (The member has more than one authorized ATM dispute claim in the last 12 months.) • Unusual account activity (Weak/lack of direct deposits or payroll present on the account) • History of dispute claims with many past claims denied

Dispute ID: 11034704 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• The member's ATM dispute is limited to a single withdrawal and they do not have a prior history of filing ATM CND claims.

Dispute ID: 11018707 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning: • No ATM fee associated • Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal) • Low ending balance • Cash in cash out pattern • The ATM withdrawals are commonly performed at the same ATM or series of ATMs, indicating success at withdrawing cash from the machine(s). • ATM withdrawals are commonly funded by Pay Anyone transfers occurring within one to two days of the withdrawal date. • There is an initial funding event, typically via Pay Anyone transfer

Dispute ID: 11034745 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 11029256 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• Member has normal spending activity
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Dispute ID: 11034348 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No amount dispensed indicated
• Insufficient information to proceed with case.

Dispute ID: 11004995 / 11040662 DND: 2023-08-06 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning: • Low ending balance • There is a minimal volume of ‘normal’ purchase behavior (groceries, restaurants, transportation, etc) during the dispute period. • Cash on/cash off activity present to fund these disputed txns, appears to be kiting funds between accounts and other services to make these deposits and dispute claims. • ATM withdrawals are commonly funded by Visa Money Transfer occurring within one to two days of the withdrawal date. • Unusual account activity (Weak/lack of direct deposits or payroll present on the account) • Money laundering is observed (PVCs were granted, the member might exit the PVCs through ATM withdrawal)

bucketdtds

Dispute ID: 10847768 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches Ch's name, last four of CN, and phone number on file. Transaction involves P2P payment using Cash App. CH Fully authorized payment at time of transfer, therefore service was rendered. CH needs to settle this first directly with the merchant.

Dispute ID: 10901332 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's information on file. Merchandise was delivered via USPS with tracking number: 1Z45085V0306879386.

Dispute ID: 10901341 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN, date of transaction and disputed amount on file. Merchant shown a order confirmation including disclosure of Terms, conditions and cancellation policy.

Dispute ID: 10689829 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches Ch's disputed amount and phone number on file. Transaction involves P2P payment using Cash App. CH Fully authorized payment at time of transfer, therefore service was rendered. CH needs to settle this first directly with the merchant.

Dispute ID: 10913278 DND: 2023-07-27 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches Ch's name, last four of CN disputed amount on file. Apple cash is a Peer to Peer electronic funds transfer service ONLY. The money/ P2P express transaction requested was transferred and completed successfully.

Dispute ID: 10514218 DND: 2023-06-19 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN, disputed amount, and date of transaction on file. Merchant mentioned in the re-presentment that the charges were processed correctly, no proof of correct txn amount.

=====================

Based on uncompelling evidence, Re-presentment received on 2023-08-03. Merchant failed to provide certification or Receipt of the correct transaction amount. Attached documents are unidentified and irrelevant to deny the claims. Therefore, merchant need to submit additional documents for us to further validate the claim.

Dispute ID: 10977281 DND: 2023-08-01 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence
• Pre-Arbitration Initiated.

Dispute ID: 10552724 DND: 2023-06-23 Reg E - Duplicate Charge

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence
• Pre-Arbitration Initiated.

Uncompelling evidence merchant fail to provide re-presentment that show separate signed or imprinted transaction receipts of CH or other records proving that separate transactions were processed, or Documentation proving that the merchant did not receive payment by other means for the same merchandise or service. Initiated pre-arb to gather more information.

Erratum:

Dispute ID: 10961317 DND: 2023-08-03 Reg E - ATM Partial Non-Dispense

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATM fees associated
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.
• The member's ATM dispute is limited to a single withdrawal and they do not have a prior history of filing ATM CND claims.

Dispute ID: 11005420 / xxxxx DND: 2023-08-04 Reg E - ATM Cash Not Received

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• PVC Ineligible
• Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals.

Decision Outcome: Deny Decision Outcome Reasoning: -No ATO Hallmarks Present -Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN, disputed amount, and date of transaction on file. Afterpay is a buy now payment later service which allows customers to buy goods today and pay for them later. The order was placed with Afterpay and member will be responsible for contacting their merchant directly to resolve the issue. Afterpay fulfilled their part as txn was successfuly processed. Terms and conditions applied.

bucketts

//tracked Dispute ID: 10614795 DND: 2023-06-29 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed.

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence
• Pre-Arbitration Initiated

Based on uncompelling evidence, Re-presentment received on 2023-07-28. Shipping address do not match in our records. Unable to validate if the Cardholder received the merchandise and benefited from the transaction. Therefore, merchant need to submit additional documents for us to further validate the claim.

//tracked Dispute ID: 10890575 DND: 2023-07-25 Reg E - Transaction Was Cancelled

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Chargeback Lost - Received Compelling evidence that matches CH information on file.
• Terms and conditions applied. As per merchant, member has no records of cancel on their membership or did contact about a cancellation prior to this charge.

RESODUE* Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Chargeback Lost - Received Compelling evidence that matches CH information on file.
• Terms and conditions applied. As per legal terms and services of the merchant - All tickets are final sale and cannot be exchanged or refunded. In the case of an event cancellation without a rescheduled date, a full refund will be automatically issued to each patron on the credit card used to purchase.

Dispute ID: 10828807 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence
• Pre-Arbitration Initiated.

Based on uncompelling evidence, Re-presentment received on 2023-07-28. Merchant submitted evidence showing that they delivered the order to the cardholder however, upon checking the address on our end it is different from the re-presentment thus, making it uncompelling. There is not enough proof to prove that the Cardholder received goods or services, or otherwise benefited from the Transaction.

//tracked Dispute ID: 10698650 DND: 2023-07-07 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and disputed amount on file. Terms and conditions applied. Services has been rendered.

Playnext!!!

//tracked Dispute ID: 10926096 DND: 2023-07-28 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Provide details of what was ordered and not as described: Were there any attempts of resolving with the merchant? Expected shipment date: Did you receive the item? Reason of return: When did you return? Date you return the item? Date merchant received the item? Return method: Tracking number (if applicable): Did you cancel? When did you cancel? Was a cancellation policy provided?

//tracked Dispute ID: 10926102 DND: 2023-07-28 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10926105 DND: 2023-07-28 Reg E - Transaction Was Cancelled

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10926107 DND: 2023-07-28 Reg E - Duplicate Charge

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC Issued
• No Star Access
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10926115 DND: 2023-07-28 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -Under Threshold No Chargeback Rights -Multiple claims with the same dispute type filed on the same day. -Multiple Disputes within short Span of time. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Disputed spend does not deplete balance or overdraft the account, suggesting actor has knowledge of balance and spend is known/anticipated -Accounts appear to have one or more PII changes.

Overall investigation: CH is claiming for Credit Not Posted from Apple Cash for $607.12. Reg E. Investigation. No merchant credit applied. No claim cancellation. Upon reviewing on CH account, There's a fraud trend happened like Dispute creation is after of 2022-05-23. Chime account is already aged dated 2020-03-05. FIRST FUNDING EVENT dated 2021-05-25. 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 Phone. Members did not provide any refund acknowledgement from merchant. In line with that Merchant observed with fraud trend and dispute abuse, additionally, Apple Cash is payment are instant or they cannot cancelled once the transactions is confirm, therefore Apple Cash isn't liable for disputed transactions. Account has new device logins that took place well after the timeframe of dispute transactions. No Error found. Sent Final letter ZD# 59491778. Case closed.

//tracked Dispute ID: 10926122 DND: 2023-07-28 Reg E - Credit Not Posted

Decision Outcome: Deny Decision Outcome Reasoning: -Has Evidence of ATO, PII changes - Accounts appear to have one or more PII changes. -Disputed spend does not deplete balance or overdraft the account, suggesting actor has knowledge of balance and spend is known/anticipated -Member has hallmarks of dispute abuse. Cash in / cash out activity consistent with observed fraud trend exiting funds immediately -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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.

//tracked Dispute ID: 10926129 DND: 2023-07-28 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10926061 DND: 2023-07-28 Reg E - Credit Not Posted

Decision Outcome: Deny Decision Outcome Reasoning: -Has Evidence of ATO, PII changes - Accounts appear to have one or more PII changes. -Disputed spend does not deplete balance or overdraft the account, suggesting actor has knowledge of balance and spend is known/anticipated -Member has hallmarks of dispute abuse. Cash in / cash out activity consistent with observed fraud trend exiting funds immediately -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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.

10925546 x 10889838_ 10872484_ 10873656 10836813

**Internal Note: Previous analyst failed to identify ATO evidence and fraud signals upon initial investigation of this claim.

Dispute ID: 10926115 DND: 2023-07-28 Reg E - Paid for Goods/Services By Other Means

//tracked Dispute ID: 10925546 DND: 2023-07-28 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -Multiple claims with the same dispute type filed on the same day. -Multiple Disputes within short Span of time. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Disputed spend does not deplete balance or overdraft the account, suggesting actor has knowledge of balance and spend is known/anticipated -Accounts appear to have one or more PII changes.

//tracked Dispute ID: 10803299 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Approved Decision Outcome Reasoning:

• Received full merchant credit

//tracked Dispute ID: 10812680 Issued PVC DND: 2023-07-17 Reg E - Credit Not Posted

//tracked Dispute ID: 10913277 DND: 2023-07-27 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk
• Not enough evidence to Deny the claim.

10899891 x 10899899 x 10899916 x

10900110_a 10899962_a 10899969_a

10900026_untouch 10900037_untouch

**Internal Note: Previous analyst failed to identify ATO evidence and fraud signals upon initial investigation of this claim.

Dispute ID: 10899891 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Accounts appear to have one or more PII changes. -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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 balance drained or close to zero.

Dispute ID: 10899899 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Accounts appear to have one or more PII changes. -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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 balance drained or close to zero.

//tracked Dispute ID: 10899916 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Accounts appear to have one or more PII changes. -The CH disputed transaction had a pattern of which abuses our Policy for REG E. PVC funds (if issued) may be used again at the same or similar merchants, repeating the cycle. -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 balance drained or close to zero.

Dispute ID: 10890427 DND: 2023-07-25 Reg E - Credit Not Posted

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk
• PVC Issued
• Not enough evidence to Deny the claim.

10913275 vcr 10913276 cb 10913283 cb 10913290 cb 10913295 add info 10913297 add info 10913298 add info 10913265 add info 10913277 add info 10913278 add info

-------------------------------- + //tracked Dispute ID: 10603056 DND: 2023-06-28 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Cancelled Decision Outcome Reasoning:

• Received Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches all information on file. Merchant provided all the evidence that shows merchandise was delivered.

Transaction 97312353468 canceled as requested by member

**Internal Note: Previous analyst failed to identify cancellation request by the member prior filing chargeback.

//tracked Dispute ID: 10664897 DND: 2023-07-03 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN and disputed amount and date of transaction on file. As per review, merchant shows receipt of transaction that was processed through the store and was completely successful via POS with chip card reader terminal and EMV PIN verified. No indication that the transaction was declined or voided.

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

playnexttt!!*************

//tracked

Dispute ID: 10913275 DND: 2023-07-27 Reg E - Transaction Was Cancelled

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

24269793183300669267493 org

24269793183300669267568 disputed

//tracked Dispute ID: 10913276 DND: 2023-07-27 Reg E - Duplicate Charge

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10913277 DND: 2023-07-27 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10913283 DND: 2023-07-27 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//trackled Dispute ID: 10913290 DND: 2023-07-27 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10913295 DND: 2023-07-27 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10913297 DND: 2023-07-27 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10913298 DND: 2023-07-27 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10913278 DND: 2023-07-27 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk
• Not enough evidence to Deny the claim.

Erratum: //tracked Dispute ID: 10913265 DND: 2023-07-27 Reg E - Credit Not Posted

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10900941 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to Zendesk
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10909106 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

//tracked Dispute ID: 10281144 DND: 2023-05-28 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired

//tracked Dispute ID: 10898280 DND: 2023-07-25 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

10899954 10899956 10899991 10900003

**Internal Note: Previous analyst failed to identify fraud signs upon initial investigation of this claim.

Dispute ID: 10899954 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Account balance drained or close to zero. -Accounts appear to have one or more PII changes.

**Internal Note: Previous analyst failed to identify fraud signals upon initial investigation of this claim.

Dispute ID: 10899956 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Account balance drained or close to zero. -Accounts appear to have one or more PII changes.

**Internal Note: Previous analyst failed to identify fraud signals upon initial investigation of this claim.

Dispute ID: 10899991 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Account balance drained or close to zero. -Accounts appear to have one or more PII changes.

Dispute ID: 10900003 DND: 2023-07-26 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claim No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Account balance drained or close to zero. -Accounts appear to have one or more PII changes.

10210414 10101014 pending close 10267170

//tracked

Dispute ID: 10267170 DND: 2023-05-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN and disputed amount and shipping address on file. As per review, merchant shall be responsible for any reimbursement costs related to Customer refunds for Substandard Items or other related issues within Merchant’s control (including any costs associated with retrieving any such Substandard Items or otherwise unsatisfactory Item(s), if applicable)), including by way of example, missing or incomplete Items, Items not cooked thoroughly, and Items not prepared in accordance with Merchant’s internal standards. Portier may, in its sole discretion, deduct reimbursement costs from the payment Portier remits to Merchant in accordance with this Section 4. The current policy for refunds and Substandard Items is located here: Merchant agrees that neither Portier nor the Delivery Person takes title to any Item at any time.

10159778 resolved

//tracked Dispute ID: 10159778 DND: 2023-05-17 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning: -No ATO Hallmarks -Chargeback Filed -Pre-arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

**Internal Note: Previous analyst had incorrectly transitioned correct chargeback amount in inspector tab.

//tracked Dispute ID: 10900941 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10900943 DND: 2023-07-26 Reg E - Duplicate Charge

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Received full merchant credit

//tracked Dispute ID: 10881500 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10871511 DND: 2023-07-26 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10901102 DND: 2023-07-26 Non Reg E - Merchandise Was Returned

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10901105 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10901332 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10901341 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10878062 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10689829 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

bucketttt#$#$$%%&&******************

.//tracked Dispute ID: 10811439 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• Chargeback Filed.

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's phone number. Transaction involves P2P payment using Cash App. CH Fully authorized payment at time of transfer, therefore service was rendered. CH needs to settle this first directly with the merchant.

10342893

**Internal Note: Previous analyst failed to recategorize the claim prior filing chargeback.

//tracked Dispute ID: 10826244 DND: 2023-07-19 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• Chargeback Filed.

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN and disputed amount on file. Merchant showed receipt for the disputed charge matched the total amount and the last 4 digits number of CH card on file. As per review, transaction was processed through the store and transaction were completed and successful via POS with chip card reader terminal and EMV PIN verified. No indication that the transaction was declined or voided.

//tracked Dispute ID: 10650843 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches all information on file. Merchandise was delivered via FedEx with tracking number: 780590683078.

**Internal Note: Previous analyst failed to initial investigate the claim.

//tracked Dispute ID: 10891042 DND: 2023-07-25 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning: -ATO Hallmarks Present -PTF Claims No Chargeback Rights -PVC Ineligible -Multiple claims with the same dispute type filed on the same day. -Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. -Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds. -Account balance drained or close to zero. -Accounts appear to have one or more PII changes.

Erratum:

//tracked Dispute ID: 10890420 DND: 2023-07-25 Reg E - Incorrect Amount Charged

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10890427 DND: 2023-07-25 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10890575 DND: 2023-07-25 Reg E - Transaction Was Cancelled

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10890578 DND: 2023-07-25 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10890581. Recategorized claim from Incorrect Amount Charged to Duplicate Charged. As per penny member mentioned, "I ordered this product on july 3rd 2023. I ordered a 90 day supply and yet i was charged adain on july 23rd. And it was more than double" Escalated.

//tracked Dispute ID: 10890581 DND: 2023-07-25 Reg E - Duplicate Charge

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

24492163204000016011715 disputed

24492163184000043530814 org

//tracked Dispute ID: 10890585 DND: 2023-07-25 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10890592 DND: 2023-07-25 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10890608 DND: 2023-07-25 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10890608 DND: 2023-07-25 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10890614 DND: 2023-07-25 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10891178 DND: 2023-07-25 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning:

• ATO Hallmarks Present
• PTF Claims No Chargeback Rights
• PVC Ineligible
• Multiple claims with the same dispute type filed on the same day.
• Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles.
• Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds.
• Account balance drained or close to zero.
• Accounts appear to have one or more PII changes.

BUCKETTTTSSSSS**.

//tracked Dispute ID: 10540951 DND: 2023-06-22 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10849617 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

//tracked Dispute ID: 10665378 DND: 2023-07-03 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's matched Ch's name, disputed amount and last four of CN on file. The terms and condition applied before final sale.

//tracked Dispute ID: 10811732 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches matched CH's name and disputed amount on file. No show policy and Cancellation policy are applied.

** Internal Note: Previous analyst failed to close the claim as full merhant credit.

10471401 - internal Note: closed by jayvy 10826924 - pre-arb/ fullmc closed by teody

//tracked Dispute ID: 10826992 DND: 2023-07-19 Reg E - Duplicate Charge

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches all informations on file.

//tracked Dispute ID: 10603200 DND: 2023-06-28 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• Received partial merchant credit
• No ATO Hallmarks
• Chargeback Filed
• Remaining claim amount is below threshold no chargeback rights

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches all information on file. Merchandise was delivered via FedEx with tracking number: 655426761656. Merchant mentioned in the re-presentment that a partial refund was processed due to there were items not included in the shipment.

Dispute ID: 10812457. Recategorized claim from Credit Not Posted to Non-Receipt of Goods or Services. As per penny member mentioned, "My car loan America's Carmart is saying this transaction was declined. I didn't receive any notice from Chime saying it was declined. I need" Escalated.

//tracked Dispute ID: 10812457 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Chargeback Filed Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

**Internal Note: Unable to transition correct VROL#5287291640 due to inspector tab error.

Dispute ID: 10879606. Recategorized claim from Credit Not Posted to Goods/Services Not As Described. As per penny member mentioned, "Reason for the refund -wrong size and wrong color school uniform pants" Escalated.

//tracked

Dispute ID: 10879606 DND: 2023-07-24 Non Reg E - Goods/Services Not As Described

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 9921410 DND: 2023-04-25 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks

Chargeback Decision Outcome: Awaiting merchant chargeback response Claim Approved Following Chargeback Outcome:

• Resolution time 90 days resolution expired
• Waiting for CB results for possible recovery option(s); under post monitoring
• Merchant has 6 days to respond.

//tracked Dispute ID: 10523787 DND: 2023-06-20 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10523095 DND: 2023-06-20 Reg E - Duplicate Charge

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10523674 DND: 2023-06-20 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10358478 DND: 2023-06-03 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10386842 DND: 2023-06-06 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny/Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• For TXNID9830961739, under threshold No Chargeback Rights; No recovery options

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

playnextttt!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

//tracked Dispute ID: 10878592 DND: 2023-07-24 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked

**starcase Dispute ID: 10878596 DND: 2023-07-24 Reg E - Incorrect Amount Charged

Decision Outcome: Pending for Chargeback (No Star Access) Decision Outcome Reasoning:

• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10878601 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10879600 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10879606 DND: 2023-07-24 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10879607 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked

Dispute ID: 10428141 DND: 2023-06-10 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed.
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

//tracked Closed cancelled Dispute ID: 10770280 DND: 2023-07-13 Reg E - ATM Cash Not Received

for tracking before out* 10531076 10704846 10744596 10753134 10775827 10428141

//tracked

Dispute ID: 10880499 DND: 2023-07-24 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10880502 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10880505 DND: 2023-07-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10880518 DND: 2023-07-24 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10566572 DND: 2023-06-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

10363151 RTF-2DAYS 10511182 RTF-2DAYS

10848877 ACCEPTED_BY_ACQ 10880499 UNDER THRESHOLD - REG E

matched Ch's name, disputed amount.A Cancellation policy was provided by the merchant. matched Ch's name, disputed amount and last four of CN. The terms and condition applied before final sale.

//tracked Erratum:

Dispute ID: 10848888 DND: 2023-07-21 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC Issued
• Not enough evidence to Deny the claim.

//tracked Erratum:

Dispute ID: 10848864 DND: 2023-07-21 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No Merchant credit
• No ATO Hallmarks
• No credit voucher/credit slip
• Insufficient information to proceed with case.

//tracked Erratum:

Dispute ID: 10848874 DND: 2023-07-21 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No Merchant credit
• No ATO Hallmarks
• No specific cancellation date mentioned
• Insufficient information to proceed with case.

//tracked Dispute ID: 10848877 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10848903 DND: 2023-07-21 Reg E - Duplicate Charge

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Awaiting original transaction to settle

//tracked Dispute ID: 10848908 DND: 2023-07-21 Reg E - Duplicate Charge

Decision Outcome: Pending for Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Awaiting original transaction to settle

//tracked Dispute ID: 10848920 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10849623 DND: 2023-07-21 Reg E - Incorrect Amount Charged

Decision Outcome: Pending for Chargeback (No Star Access) Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Tee, Request to validate po on this: 10849623 *Star case

//tracked Dispute ID: 10849617 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• Not enough evidence to Deny the claim.

buckettttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttt

//tracked Dispute ID: 10387531 DND: 2023-06-06 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 - Response Accepted Full by Acquirer

//tracked Dispute ID: 10838345 DND: 2023-07-20 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 - Response Accepted by Acquirer

10497986 **Internal Note: Previous analyst failed to recategorized the claim prior filing chargeback.

//tracked Dispute ID: 10115438 DND: 2023-05-17 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arbitration Outcome:

• Pre-Arbitration won - Response Accepted Full by Acquirer

Internal Note :

Unable to transition Pre-Arbitration Response/Outcome for VROL#5277865208 Due to Inspector Error stating, "Chargeback can't be initiated for this transaction."

9915778 vrol#: 5277308343 9 days left cb initiated : 2023-06-29 re-asssigned: 2023-06-23

9921410 vrol#: 5277308391 9 days left cb initiated : 2023-06-29 re-asssigned: 2023-06-23

Dispute ID: 10848877 DND: 2023-07-21 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No ATO Hallmarks
• CH responded to zendesk with all the information needed for chargeback
• Not enough evidence to Deny the claim.

Dispute ID: 10848877 Recategorized dispute from Non-Receipt of Goods or Services to Goods/Services Not As Described. As per penny, member mentioned, "They wanted me to email them what I actually received which was a ring for my finger and this was supposed to be a vacuum for my pool." Escalated.

10167285 5280117148 accepted reg e 10704499 5281363327 declined non reg e 10630634 5277957452 declined non reg e 10536458 5273031449 declined non reg e 10493917 5279466366 declined reg e 10366777 5272130229 declined reg e 10772386 5284803877 declined reg e-cnd 10366777 5272130229 declined reg e 10695298 5280723313 declined reg e 10286408 5274386820 declined reg e 10482477 5283078481 declined reg e-cnd

10562785 transistion CB on inspector (no VROL) 10509038 transistion CB on inspector (no VROL) 10580450 5278993514 transistion correct VROL# CB on inspector 10580450 5278993514 re-CB (na days to act)

//tracked Dispute ID: 10547228 DND: 2023-06-22 Reg E - Incorrect Amount Charged

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence. Merchant provided the payment details showing no Incorrect Amount was being charged.

//tracked Dispute ID: 10522706 DND: 2023-06-20 Reg E - Credit Not Posted

Decision Outcome: Deny Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that mathes CH's name, last four of CN, and disputed amount on file. Terms and conditions applied. Merchant mentioned in the representment no record of cancellation received.

Joenary Villanueva

10366261 10264891 10223349

//tracked Dispute ID: 10566958 DND: 2023-06-24 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted by Acquirer

Dispute ID: 10342079 DND: 2023-06-02 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Accepted Full by Acquirer

//tracked Dispute ID: 10264849 DND: 2023-05-26 Reg E - Incorrect Amount Charged

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arbitration Outcome:

• Pre-Arbitration won - Response Accepted Full by Acquirer

//tracked Dispute ID: 10670857 DND: 2023-07-04 Reg E - Transaction Was Cancelled

Decision Outcome: Approved Decision Outcome Reasoning:

• All transaction are below threshold
• No Chargeback Rights

//tracked Dispute ID: 10147714 DND: 2023-05-23 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Approved Decision Outcome Reasoning:

• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

Internal Note :

Unable to transition Chargeback Response/Outcome for VROL#5271033655 Due to Inspector Error stating, "Chargeback can't be initiated for this transaction."

//tracked Dispute ID: 10836614 DND: 2023-07-20 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10541207 DND: 2023-06-22 Reg E - Duplicate Charge

Decision Outcome: Deny Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC reversal
• No duplicated charge identified

//tracked Dispute ID: 10079934 DND: 2023-06-21 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.

No cancellation policy was properly disclosed at the time of sale and the signature of the cardholder is near the cancellation policy or terms & agreement. The merchant had not mentioned in the representment that the CH did not cancel the merchandise or was able to receive the merchandise. Therefore, merchant need to submit additional documents for us to further validate the claim.

//tracked Dispute ID: 10614514 DND: 2023-06-29 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received compelling evidence that matches CH information on file. The merchandise was rendered. Terms and conditions applied including refund and cancellation policy.

//tracked Dispute ID: 10800782 DND: 2023-07-16 Reg E - Transaction Was Cancelled

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received compelling evidence that matches CH information on file. Terms and conditions applied (which includes return and refund policies) when they created their account . Merchant mentioned that the member did not cancel their membership or contact about a cancellation prior to this charge.

//tracked Dispute ID: 10627545 DND: 2023-06-30 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
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

//tracked Dispute ID: 10393753 DND: 2023-06-17 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 - Response Timeframe Expired - 100% Acquirer Liability

10837730 -x 10837753 -x 10837756 -x 10837763 -x 10837768 -x 10838345 -x

RESOLVED ADD INFO CB INITIATED CB INITIATED CB INITIATED CB INITIATED

//tracked Dispute ID: 10837730 DND: 2023-07-20 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant credit
• No Claim Cancellation
• No ATO Hallmarks Present
• PTF Claim
• No Chargeback Rights

//tracked Dispute ID: 10837753 DND: 2023-07-20 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• Received Partial Merchant credit
• No ATO Hallmarks
• No expected receipt date
• Insufficient information to proceed with case.

//tracked Dispute ID: 10837756 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10837763 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10837768 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10838345 DND: 2023-07-20 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10838545 DND: 2023-07-20 Reg E - Incorrect Amount Charged

Decision Outcome: Pending for Chargeback (No Star Access) Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10838592 DND: 2023-07-20 Non Reg E - Merchandise Was Returned

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No Merchant credit
• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10838596 DND: 2023-07-20 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No Merchant credit
• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10838596 DND: 2023-07-20 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No Merchant credit
• No ATO Hallmarks
• Insufficient information to proceed with case.

24204293003000624017077 1/3 recurring

24204293041001148055076 2/11 recurring

//tracked Dispute ID: 10826244 DND: 2023-07-19 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10826832 DND: 2023-07-19 Non Reg E - Merchandise Was Returned

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• CH responded to Zendesk with all the information needed for chargeback
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10493362 DND: 2023-06-17 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 - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10700900 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• CH responded to Zendesk with all the information needed for chargeback
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10799943 Issued PVC on 2023-07-17 with ZD#71312133.

.//tracked Dispute ID: 10826018 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Insufficient information to proceed with case.

======================== //tracked Dispute ID: 10826244 DND: 2023-07-19 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• No Indicated Receipt Date
• Insufficient information to proceed with case.

========================== //tracked Dispute ID: 10826355 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

=========================

//tracked Dispute ID: 10826450 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10826480 DND: 2023-07-19 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• No Indicated Receipt Date
• Insufficient information to proceed with case.

-+---------------------- //tracked Dispute ID: 10826589 DND: 2023-07-19 Reg E - Incorrect Amount Charged

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10826832 DND: 2023-07-19 Non Reg E - Merchandise Was Returned

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10700900 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• No expected receipt date
• Insufficient information to proceed with case.

//tracked Dispute ID: 10826924 DND: 2023-07-19 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//traccked Dispute ID: 10826992 DND: 2023-07-19 Reg E - Duplicate Charge

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

24906413182177329308593 -orig

24906413195178343939947 -dispute

BAKKKKETE******************

//tracked Dispute ID: 10497755 DND: 2023-06-18 Reg E - Duplicate Charge

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 - Response Accepted by Acquirer

//tracked Dispute ID: 10499810 DND: 2023-06-18 Reg E - Incorrect Amount Charged

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 - Response Accepted by Acquirer

Erratum: //tracked Dispute ID: 10492668 DND: 2023-06-17 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
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Response Accepted Full by Acquirer

//tracked

Dispute ID: 10462036 DND: 2023-06-14 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 Filed

Chargeback Decision Outcome: Approved Claim Approved following Chargeback Outcome:

• Chargeback won - Response Timeframe Expired - 100% Acquirer Liability

//tracked Dispute ID: 10531076 DND: 2023-06-21 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN and disputed amount on file. The transaction is authorized at the time of sale.

============================

//tracked Dispute ID: 10498108 DND: 2023-06-18 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.

Merchant failed to provide a documentation for an agreement that covers the terms for specified services, evidence to prove that the terms of service in the contract were as described or honored by the merchant. Therefore, merchant need to submit additional documents for us to further validate the claim.

//tracked Dispute ID: 10627545 DND: 2023-06-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Received uncompelling evidence.

Merchant failed to provide a documentation for an agreement that covers the terms for specified services, evidence to prove that the terms of service in the contract were as described or honored by the merchant. Therefore, merchant need to submit additional documents for us to further validate the claim.

//tracked Erratum:

Dispute ID: 10704846 / 10753134 DND: 2023-07-11 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No merchant credit
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence.

//tracked Dispute ID: 10744596 / 10775827 DND: 2023-07-13 Reg E - ATM Cash Not Received

Decision Outcome: Deny Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No merchant credit
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence.

========================

**Internal Note: Unable to transition correct VROL#5286457656 due to tab error upon re-initiating.

//tracked Dispute ID: 10540830 DND: 2023-06-22 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10812457 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: (VCR) Pending for Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC issued
• Not enough evidence to Deny the claim.

//tracked

Dispute ID: 10540830 DND: 2023-06-22 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

-*------------------------

//tracked Dispute ID: 10552724 DND: 2023-06-23 Reg E - Duplicate Charge

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

24492153172717394633658 disputed

24492153171745309307424 org

//tracked Dispute ID: 10648809 DND: 2023-07-02 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

===================

//tracked Dispute ID: 10648528 DND: 2023-07-02 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add Info
• Not enough evidence to Deny the claim.

//tracked

Dispute ID: 10546577 DND: 2023-06-22 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

Dispute ID: 10799943 DND: 2023-07-16 Reg E - Duplicate Charge

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

24435653196206396800797 -org

24435653197206396905793 -dispute

//tracked Dispute ID: 10811439 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10732331 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10811732 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10811866 DND: 2023-07-17 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.

//tracked Dispute ID: 10811976 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812086 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812267 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10812457 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812680 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• No credit voucher/credit slip
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812813 DND: 2023-07-17 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10115438 DND: 2023-05-17 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Declined by Acquirer
• Received uncompelling evidence.

Unable to transition Visa Chargeback Response and Pre-Arbitration for VROL#5277865208 Due to Inspector Error stating, "Chargeback can't be initiated for this transaction."

Initiated CB using condition code 13.7. Based on uncompelling evidence, Re-presentment received on 2023-07-06 the Terms and conditions and all agreements including cancellation policy was not present. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

//tracked Dispute ID: 10531114 DND: 2023-06-21 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Declined by Acquirer
• Received uncompelling evidence.

Initiated CB using condition code 13.7. Based on uncompelling evidence received on 2023-07-06, the Terms and conditions and all agreements including cancellation policy is not present on the re-presentment. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

//tracked Dispute ID: 10471401 DND: 2023-06-15 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10530423 DND: 2023-06-22 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• CH responded to ZD#69860803 with all the information needed for chargeback
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10536029 DND: 2023-06-21 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No Merchant Credit for TXRN9497280576
• Received Full Merchant Credit for TXRN9570924928
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10257077 DND: 2023-05-26 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed for TXN ID: 9297360138
• TRXN ID: (#9228032581, 9205834068 & 9165056706) are already a PTF claim. Not eligible for chargeback.

//tracked Dispute ID: 10482688 DND: 2023-06-16 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10481910 DND: 2023-06-17 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• Recieved partial Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10481910 Recategorized dispute from to Credit Not Posted to Goods/Services Not As Described. As per penny, member mentioned, "The quality was very poor I have never been in that kind of environment before it was very unexceptable." Escalated.

Erratum:

Dispute ID: 10450952 DND: 2023-06-13 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed.
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and disputed amount on file. Terms and conditions are applied upon checking out process.

//tracked Dispute ID: 10434930 DND: 2023-06-11 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Deny Claim Denied following Pre-Arb Outcome:

• Pre Arbitration lost - Pre arb Declined by Acquirer
• Received uncompelling evidence

//tracked Dispute ID: 10811439 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10732331 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10811732 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10811866 DND: 2023-07-17 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.

//tracked Dispute ID: 10811976 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812086 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812267 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10812457 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812680 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• No credit voucher/credit slip
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812813 DND: 2023-07-17 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10115438 DND: 2023-05-17 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Declined by Acquirer
• Received uncompelling evidence.

Unable to transition Visa Chargeback Response and Pre-Arbitration for VROL#5277865208 Due to Inspector Error stating, "Chargeback can't be initiated for this transaction."

Initiated CB using condition code 13.7. Based on uncompelling evidence, Re-presentment received on 2023-07-06 the Terms and conditions and all agreements including cancellation policy was not present. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

//tracked Dispute ID: 10531114 DND: 2023-06-21 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Declined by Acquirer
• Received uncompelling evidence.

Initiated CB using condition code 13.7. Based on uncompelling evidence received on 2023-07-06, the Terms and conditions and all agreements including cancellation policy is not present on the re-presentment. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

//tracked Dispute ID: 10471401 DND: 2023-06-15 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10530423 DND: 2023-06-22 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• CH responded to ZD#69860803 with all the information needed for chargeback
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10536029 DND: 2023-06-21 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No Merchant Credit for TXRN9497280576
• Received Full Merchant Credit for TXRN9570924928
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10257077 DND: 2023-05-26 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed for TXN ID: 9297360138
• TRXN ID: (#9228032581, 9205834068 & 9165056706) are already a PTF claim. Not eligible for chargeback.

//tracked Dispute ID: 10482688 DND: 2023-06-16 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10481910 DND: 2023-06-17 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• Recieved partial Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10481910 Recategorized dispute from to Credit Not Posted to Goods/Services Not As Described. As per penny, member mentioned, "The quality was very poor I have never been in that kind of environment before it was very unexceptable." Escalated.

Erratum:

Dispute ID: 10450952 DND: 2023-06-13 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed.
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and disputed amount on file. Terms and conditions are applied upon checking out process.

//tracked Dispute ID: 10434930 DND: 2023-06-11 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Deny Claim Denied following Pre-Arb Outcome:

• Pre Arbitration lost - Pre arb Declined by Acquirer

• Received uncompelling evidence

  /tracked Dispute ID: 10811439 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10732331 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10811732 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10811866 DND: 2023-07-17 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.

//tracked Dispute ID: 10811976 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812086 DND: 2023-07-17 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
• No Indicated Receipt date.
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812267 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10812457 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812680 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• No credit voucher/credit slip
• Insufficient information to proceed with case.

//tracked Dispute ID: 10812813 DND: 2023-07-17 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10115438 DND: 2023-05-17 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Declined by Acquirer
• Received uncompelling evidence.

Unable to transition Visa Chargeback Response and Pre-Arbitration for VROL#5277865208 Due to Inspector Error stating, "Chargeback can't be initiated for this transaction."

Initiated CB using condition code 13.7. Based on uncompelling evidence, Re-presentment received on 2023-07-06 the Terms and conditions and all agreements including cancellation policy was not present. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

//tracked Dispute ID: 10531114 DND: 2023-06-21 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Declined by Acquirer
• Received uncompelling evidence.

Initiated CB using condition code 13.7. Based on uncompelling evidence received on 2023-07-06, the Terms and conditions and all agreements including cancellation policy is not present on the re-presentment. Therefore, merchant need to submit additional documents for us to further validate the claim. Case ongoing.

//tracked Dispute ID: 10471401 DND: 2023-06-15 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10530423 DND: 2023-06-22 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• CH responded to ZD#69860803 with all the information needed for chargeback
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10536029 DND: 2023-06-21 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No Merchant Credit for TXRN9497280576
• Received Full Merchant Credit for TXRN9570924928
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10257077 DND: 2023-05-26 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed for TXN ID: 9297360138
• TRXN ID: (#9228032581, 9205834068 & 9165056706) are already a PTF claim. Not eligible for chargeback.

//tracked Dispute ID: 10482688 DND: 2023-06-16 Reg E - Credit Not Posted

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Exhausted Add info request
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10481910 DND: 2023-06-17 Non Reg E - Goods/Services Not As Described

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• Recieved partial Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• Insufficient information to proceed with case.

Dispute ID: 10481910 Recategorized dispute from to Credit Not Posted to Goods/Services Not As Described. As per penny, member mentioned, "The quality was very poor I have never been in that kind of environment before it was very unexceptable." Escalated.

Erratum:

Dispute ID: 10450952 DND: 2023-06-13 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed.
• PVC reversal

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's name, last four of CN and disputed amount on file. Terms and conditions are applied upon checking out process.

//tracked Dispute ID: 10434930 DND: 2023-06-11 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed
• Pre-Arbitration Filed

Pre-Arbitration Decision Outcome: Deny Claim Denied following Pre-Arb Outcome:

• Pre Arbitration lost - Pre arb Declined by Acquirer
• Received uncompelling evidence

//tracked Dispute ID: 10800518 DND: 2023-07-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10800629 DND: 2023-07-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10800721 DND: 2023-07-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10800782 DND: 2023-07-16 Reg E - Transaction Was Cancelled

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC Issued
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10799549 DND: 2023-07-16 Reg E - Paid for Goods/Services By Other Means

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• PVC Issued
• Not enough evidence to Deny the claim.

//tracked

Dispute ID: 10756844 DND: 2023-07-12 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.

//tracked Erratum:

Dispute ID: 10605601 DND: 2023-06-28 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

.//tracked Erratum:

Dispute ID: 10429428 DND: 2023-06-11 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
• Pre-Arbitration Filed.

Pre-Arbitration Decision Outcome: Approved Claim Approved following Pre-Arb Outcome:

• Pre Arbitration won - Pre-Arb Response Accepted Full by Acquirer

//tracked Erratum:

Dispute ID: 10649240 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN, billing address and the disputed amount. Terms and conditions applied. Furthermore, merchant successfully delivered the merchandise in its tracking number: 9400109205568004748424.

//tracked

Dispute ID: 10649122 DND: 2023-07-02 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN and the disputed amount. As per merchant, "CH agreed to BUYER AGREEMENT online. CH gave consent to bill and AUTHORIZED pmt by entering CC and billing information on secure website. No credit due as M has always been willing to provide goods/svs, and may have been stopped/slowed by circumstances that are uncontrollable by M. CH is not entitled to credit as they agreed to all of Ms sales policies for this payment. Description of goods/svcs provided by M: "Service was rended for the person." Therfore we will take this representment valid.

=============================

//tracked Dispute ID: 10627732 DND: 2023-06-30 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received uncompelling evidence.

//tracked

Dispute ID: 10271030 DND: 2023-06-11 Non Reg E - Goods/Services Not As Described

Decision Outcome: Filed Pre-Arbitration Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received uncompelling evidence.

==========================

//tracked Dispute ID: 10531183 DND: 2023-06-21 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 - Response Accepted by Acquirer

//tracked

Dispute ID: 10188690 DND: 2023-05-19 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed.

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence. CH's last four of CN, billing address and disputed amount matches in our records. Terms and condition applied.

//tracked Dispute ID: 10803262 DND: 2023-07-17 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Filed Chargeback Decision Outcome Reasoning:

• No claim cancellation
• No merchant credit
• No ATO Hallmarks
• Not enough evidence to Deny the claim.

//tracked Dispute ID: 10803299 DND: 2023-07-17 Reg E - Credit Not Posted

Decision Outcome: Requested Additional Information Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks
• No credit voucher/credit slip
• Insufficient information to proceed with case.

Dispute ID: 10481287 DND: 2023-06-16 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed.

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN, disputed amount, email address, and information on file.

Erratum:

Dispute ID: 10479981 DND: 2023-06-16 Non Reg E - Goods/Services Not As Described

Decision Outcome: Deny Decision Outcome Reasoning:

• No Merchant Credit
• No Claim Cancellation
• No ATO Hallmarks Present
• Chargeback Filed

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome:

• Chargeback lost - Declined by Acquirer
• Received Compelling evidence that matches CH's last four of CN, disputed amount, and email address on file. The merchant mentioned in the re-presentment that the CH did not cancel the merchandise and the CH was able to receive the merchandise. Terms and conditions applied including return and cancellation policy at the time being the sale was finalized.