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Dispute ID:4563859. DND: 2022-06-28. CH is disputing 3 UT POS from multiple merchants amounting to $82.46. no claim cancellation. No merchant credit. As per VCF card is stolen and the PIN is save on phone. Investigation foundcard absent & Card present EMV txn. DD was observed on 2022-06-23 02:52:57 amounting to $680.93 prior the disputed txn with balance exhausted prior indication that with our the funds from DD the txns wont go through. another funding event was observed on 2022-06-23 13:19:22 amounting to $60.00 just right before the disputed merchant indication that the transactions was anticipate since the funding amount is close to the disputed amount. Disputed merchant is within the vicinity of the mm and has valid undisputed txn from BURGER KING #1501, RUMFORD, RIUS which is approximately 13 mins drive away from the disputed merchant. mm has previous history with the same merchant. Deny code 57 is observed with in UT timeline. No fruad alert captured within UT timeline. No PII changes captured within UT timeline. No error found. ROL Case Number 2240186863, ROL Case Number 2240186878.

Dispute ID: 4564029. DND: 2022-06-28. CH is disputing 3 UT POS from Mysefn Com amounting to $60.06. No claim cancellation. No merchant credit. As per VCF card is in possession and the PIN is memorized. Investigation foundCard absent txn. entry mode 10 credentials on file. Funding event was observed on 2022-06-26 17:25:02 amounting to $95.00 prior the disputed txn indication that it was anticipated. low ending balance. Deny code 51, 05 is observed within UT timeline. No fraud alert captured within UT timeline. No PII changes captured within UT timeline. No error found. ROL Case Number 2240799528, Related case 2240799529, Related case 2240799530 .

Dispute ID: 4577526. DND: 2022-06-30. CH is disputing 1 UT POS from 7ELEVEN-FCTI 6411 LAKE ANDREW D, TAMPA, FLUS amounting to $100.00. No claim cancellation. No merchant credit. As per VCF card is not in possession and the PIN is memorized.Investigation foundcard present EMV txn. PIN based txn no PIN failed attempts or deny code 55 and the pin is memorized indication that the mm is with in the vicinity upon withdrawal. Disputed txn is outside the vicinity of the mm however, mm has valid undisputed txn from 7-ELEVEN, MELBOURNE, FLUS which is approximately 20 mins drive away from the disputed merchant indication that the mm is with in the location upon withdrawal. No deny code captured within UT timeline. mm has previous history with the same merchant. No fraud alert captured within UT timeline. No PII changes captured within UT timeline. No error found. case closed.

Dispute ID: 4577720. DND: 2022-06-30. CH is disputing 1 UT POS ELEVEN-FCTI 4701 MASCHER AVE, PHILADELPHIA, PAUS amounting to $300.00. No claim cancellation. No merchant credit. Card is stolen and the PIN is written down.Investigation foundCard present EMV txn. Funding event after the disputed txn is observed even though the card was mention to be stolen. DD was observed on 2022-06-28 10:07:09 amounting to $949.00 from $949.00 prior the disputed txn which has direct impact to the txn since the balance was exhausted prior and deny code 51 is observed indication that mm knows the balance and waited for the funds to push through the txn. Dispute txn is within the state of the mm and has valid undisputed txn from 2415 EASTON AVE, BETHLEHEM, PAUS which approximately 1hr and 20 mins drive away from the disputed merchant and upon checking the timeframe disputed txn was possible to make indication that the mm is with in the location upon purchased. No fraud alert captured within UT timeline. No PII changes captured within UT timeline. No error found. case closed.