1. 4706425765	2023-07-13	$3.99	
Cleo Ai Cash Advance…
Visa	5903	-
2. 94520032961	2023-05-30	$11.00	Empower Advance	Visa	0219	-
3. 94330278197	2023-04-18	$3.99	
Cleo Ai Cash Advance…
Visa	0219	-
4. 94247501701	2023-03-30	$9.21	Cleo Ai	Visa	0219	-
5. 94246484532	2023-03-30	$20.00	Cleo Salary Advance	Visa	0219	-
6. 94246484471	2023-03-30	$3.99	
Cleo Ai Cash Advance…
Visa	0219	-
7. 94242175826	2023-03-29	$5.99	Cleo Subscriptions	Visa	0219	-
8. 94243303719	2023-03-29	$8.00	Empower	Visa	0219	-
9. 94109098369	2023-02-28	$20.00	Cleo Salary Advance	Visa	0219	-
10. 94109098298	2023-02-28	$3.99	
Cleo Ai Cash Advance…
Visa	0219	-
11. 94110760018	2023-02-28	$11.00	Empower Advance	Visa	0219	-
12. 94097025299	2023-02-26	$5.99	Cleo Ai	Visa	0219	-

13. 93713937477	2022-11-30	$42.46	Order Wish Com	Visa	9422


2022-11-30 16:29:30 auth  9422
2022-12-02 17:41:35	- settle 

2023-02-26 07:27:23 auth
2023-05-31 13:32:02 setttle 0219

2023-07-13 05:13:56	- auth  5903
2023-07-14 14:59:18	- settle 


Denial:

* Captured funding event prior
* Disputed transaction is credential on file with no prior Resp Code 85.
* Balance exhausted
* Captured continuous funding activity
* Captured Undisputed Contactless PIN based transaction
* Captured Undisputed Card present EMV transaction
* With cash in/ cash out
* Yes recurring flag
* With freezing/unfreezing
* No signs of ATO/PII changes

Ticket #71511225





* No previous transaction
* NO spending pattern
* Spending velocity is abnormal
* dollar amount is abnormal
* No PI 
* 



Dispute ID: 10836653
DND: 2023-07-20
Reg E - Unauthorized Transaction
Case Decision- Deny
ROL Case Number 5287666832 , 5287666894, 5287666913 , 5287666990 , 5287680619 , 5287680645 , 5287680692 ,5287680723 , 5287680749 ,5287680843 , 5287680870 , 5287692627,