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Dispute ID: DND: Reg E - Unauthorized Transaction Intake Type: Case Decision: xxx VROL CASE #:

No claim cancellation. No merchant credit. As per penny card was xxxxx at the time of purchase. PIN status xxxxxx. CH was disputing xxxxx UT with xxxxx amounting to xxxx. Transaction type: Card absent/present transaction MOTO/ECI xxx ; Entry mode xxx

OVERALL INVESTIGATION:

…FUNDING EVENT...

•With manual funding activity observed on XXXXXX via XXXXX prior to the authorization of the disputed transaction from XXXXX on XXXXX and Upon checking the available balance prior to the funding was XXXX considering that the disputed transaction will not go through without the funding.

•No manual funding event was observed with in UT timeline.

•With manual funding activity observed on XXXXXX via XXXXX prior to the authorization of the disputed transaction however, it was not impacted to the disputed transactions.

… BALANCE...

•Low Ending balance was observed after the last disputed transaction

•Exhausted balance was observed after the last disputed transaction

•High Ending balance was observed after the last disputed transaction … CASH IN/OUT...

•NO Cash in / Cash out was observed within UT timeline

•With Cash in / Cash out was observed within UT timeline …DENY CODE...

•Deny code XXXXX was observed within UT timeline with the same card

•No suspicious deny codes was observed with the same card within UT timeline. … CONTINUOUS FUNDING EVENT…

•Continuous funding event was observed on XXXX via XXXXX, indicating that CH is still in the possession of the card.

•Continuous funding event was observed on XXXX via XXXX, while the card said to be LOST/STOLEN, indicating that CH is still in the possession of the card.

•No Continuous funding event was observed …VALID UNDISPUTED TRANSACTIONS…

•With valid undisputed EMV initiated transaction from XXXXXX on XXXXXX within the vicinity with the Disputed transaction.

•No valid undisputed EMV initiated transaction

•No fast Travel Indication. …VICINITY…

•The disputed card present transaction from XXXXX is within the vicinity with the member's address on the account …NO CARD SEPERATION… …CARD PRESENT EMV TRANSACTION- IN POSSESSION…

•The disputed transaction from XXXXX is EMV initiated. The EMV initiated transaction is within the vicinity with the member's address on the account. No evidence of card separation. …PIN BASED…

•Disputed transaction is PIN based, PIN is memorized/not compromised and no PIN failed attempts captured (Deny code 55) and no PIN change recorded within UT timeframe. …PREVIOUS TRANSACTIONS…

FOR ENTRY MODE 10 •With previous history from XXXXX, which indicates that CH is not abnormal to the merchant and the disputed transaction has entry mode 10 credential on file without response code 85 captured related to the disputed merchant prior to the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised, suggesting that same credentials were used during the disputed transaction.

•With previous history from XXXXX, which indicates that CH is not abnormal to the merchant

•No previous transactions indicating that CH is abnormal to this merchant

•MOTO/ECI 2,. The disputed transaction has recurring flag Yes which suggests that the CH has subscription from the merchant and it is CH’s liability to cancel it. SPENDING PATTERN

•With Spending Pattern

•No Spending Pattern •Dollar amount is normal •Spending velocity is normal

•Dollar amount is abnormal •Spending velocity is Abnormal

•No High Risk was observed within UT timeline.

•NO fraud alert/indication was observed within UT timeline. •NO PII changes captured within UT timeline.

•With fraud alert/indication was observed within UT timeline. •With PII changes captured within UT timeline.

•With unfreezing/ freezing of the card observed within UT timeline, indicating that the member is still in control of the card's activity.

•NO unfreezing/ freezing of the card observed within UT timeline

False-True •With freezing of the card observed within UT timeline, indicating that the member is still in control of the card's activity.

True-False •With unfreezing of the card observed within UT timeline, indicating that the member is still in control of the card's activity."

•As per RTA, Resp Code XXXXXX was observed within UT timeline with the same card. As per recurring flag-XXXX,and in International-XXXX

•Enough evidence to deny the claim. Therefore, finalizing the claim as NO Error found. Filed FR. Sent ZD#-XXXX. CASE CLOSED.

NO ERROR FOUND.

•Not Enough evidence to deny the claim. Therefore. Proceed to CB. Filed FR. Issued PC- Sent ZD#:XXXX. Case Ongoing.

•Not Enough evidence to deny the claim. No Recovery Options. Therefore, finalizing the claim as Error found. Filed FR. Sent ZD#-XXXX. CASE APPROVED.