4911154-1 CB Won

Dispute ID: 4911154-1. DND 2022-08-18. CH disputed 3 Unauthorized transactions. No claim cancellation received. No merchant credit found as of this date. Reg E. Card is closed. Investigation: Disputed transactions was processed through online. Freezing/unfreezing of card was observed within the disputed timeline, an indication that the card holder is in control of the card's activity. No suspicious declined codes related to the disputed transactions within the disputed timeline. No indication of fraud alert in the system during the disputed timeframe. There are no PII changes within the disputed timeframe. There are no ATO hallmarks within the disputed timeline. No funding event observed within 24 hrs prior the authorization of the disputed transactions. No previous history from the same disputed merchant. No spending pattern observed. With high ending balance after the disputed transaction. Contacted Instacart and spoke with Carla and rep is unable to locate the transaction on 2022-08-12. Contacted Flixbus but unable to reached. Disputed merchant in Publix Super Market is on DNC list. CB won. CB acquirer accepted liability. Therefore, error found. Sent ZD #54119360. Filed ROL Case #2255902197. Case closed.