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VROL case number 2295761344, 2295761450, 2295761483 received a Re presentment on 12/22/2022. The Document shows compelling evidence (No imbalance happened on the ATM contrary to the statement of the Ch). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

Dispute ID: 8e52bc84-8f96-4d7e-8d4c-931be4d89cb6. Lean Case no.: 30132202. ICC is on: 12/03/22. Cardholder is disputing (3) Unauthorized Transaction against multiple merchants amounting to $1009.00. Reg E claim. Card status: lost. PIN status: memorized. Card not present transaction(s). Card status in MORTY: REORDERED. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Old Account. Investigation **

Cardholder Name: Jose Lopez CUID: rpOeGAKhxTQqjWNpDAMFiQNcEgRDxLXK Dispute ID: 85a9422c-bd66-408d-adf0-bb6eef4ca17a Dispute Type: UT Case ID (Adj Hub): 30146575 Disputed Amount: $3,028.40

Lean Case ID: 30146575. Dispute ID: 85a9422c-bd66-408d-adf0-bb6eef4ca17a. ICC Date: 01/02/2023. CH claimed (3) UT transactions from multiple merchants amounting to $3,028.40. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. With suspicious declined transactions from the same merchant. No MCO initiated as the merchant is outside the US.

CH is aware that the disputed transaction will go through since CH used his overdrive limit.

30146878 - Issued 30146834 - Non Reg-E 30146796 - Closed 30146752 - Issued 30146688 - Issued 30146642 - Non Reg-E 30146575 - Escalated - For PVC issuance 30146531 - Closed 30146487 - Issued 30146442 - Issued 30146405 - Issued 30146363 - Closed 30146336 - Closed 30146312 - Closed 30146279 - Issued 30146252 - Non Reg-E 30146138 - Issued 30145827 - Issued

Lean Case ID: 30128951. Dispute ID: e57e461f-829b-4052-a56f-6b09f591f77d. ICC Date: 11/28/2022. CH claimed (4) UT transactions from CASH APP* amounting to $124.36. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Investigation found: No funding activity. No cash in/out. No spending nor behavioral pattern observed. With suspicious declined transactions from the same merchant. No MCO initiated as the merchant CASH AP is part of the approved DNC list. No CB file for Case 30128951 as the amount is below CB threshold. FR submitted with ROL Case#2293807337. Sent CB on the remaining amount on 12/12/2022 with ROL Case#2293807158, 2293807217, 2293807278. Requested PVC issuance on 12/12/2022 to Current Team. Case ongoing. Update VROL case number 2293807278 was accepted by the acquirer on 12/25/2022. Claim decision is CB WON. /// VROL case number 2293807217 received a re-presentment on 12/25/2022. The document shows no compelling evidence. Submitted PRE-ARB on 01/04/2023. Merchant has 10 days to response. Case on-going. Update VROL case number 2293807217 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

Lean Case ID: 30128951. Dispute ID: e57e461f-829b-4052-a56f-6b09f591f77d. ICC Date: 11/28/2022. CH claimed (4) UT transactions from CASH APP* amounting to $124.36. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Investigation found: No funding activity. No cash in/out. No spending nor behavioral pattern observed. With suspicious declined transactions from the same merchant. No MCO initiated as the merchant CASH AP is part of the approved DNC list. No CB file for Case 30128951 as the amount is below CB threshold. FR submitted with ROL Case#2293807337. Sent CB on the remaining amount on 12/12/2022 with ROL Case#2293807158, 2293807217, 2293807278. Requested PVC issuance on 12/12/2022 to Current Team. Case ongoing. /// VROL case number 2293807158 received a Re presentment on 12/25/2022. The Document shows compelling evidence with (Matched the name and the phone number. Zip code of the old address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2305615151 received a Re presentment on 01/14/2023. The Document shows compelling evidence (Matched the Name, Address, Phone number and Email Address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2296266578 received a re-presentment on 01/11/2023. The document shows no compelling evidence (The email address in Re-presentment did not matched the CH email address). Submitted PRE-ARB on 01/17/2023. Merchant has 30 days to response. Case on-going.

VROL case number 2293627722 was accepted by the acquirer on 01/13/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2293717313 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2293780450 was accepted by the acquirer on 01/13/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

30128954 - Split Case from 30128951

VROL case number 2294233076 was accepted by the acquirer on 01/14/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2294355847 was accepted by the acquirer on 01/14/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2294562111 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

30130344

VROL case number 2294915561 received a Re presentment on 01/10/2023. The Document shows compelling evidence (Matched the Address of the CH also the tracking number shows that is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2295010560 received a re-presentment on 01/11/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/17/2023. Merchant has 30 days to response. Case on-going.

VROL case number 2295065500 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2295184667 received a Re presentment on 12/28/2022. The Document shows compelling evidence (Matched the Address of the CH and also Merchant was able to provide a proof of delivery). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2295600183 was accepted by the acquirer on 01/03/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

Cardholder Name: James Covert CUID: E2VrGfLpqhtNJR6SoQGrvK6D9QEpnU46 Dispute ID: d2eb3918-f929-4a90-8520-1069dfd5bfca Dispute Type: UT Case ID (Adj Hub): n/a (For manual case creation) Disputed Amount: $2,554.47

Upon checking claim is already closed in Morty. Kindly confirm if we will still create a case for this claim.

VROL case number 2295675051 received a Re presentment on 01/09/2023. The Document shows compelling evidence (Matched the Address of the Ch and also Merchant was able to provide a proof of delivery). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2295706152 was accepted by the acquirer on 01/16/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2295706400 received a Re presentment on 01/11/2023. The Document shows compelling evidence (Matched the Address of the CH. As well the Name and the Email address). Claim decision is CB LOSS. NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2296278513 received a Re presentment on 01/03/2023. The Document shows compelling evidence (As per documents provided the Booking reservation of the CH was a Non refundable. Also merchant was able to provide that the Service was also rendered by the CH). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2296287485 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2296320940 received a re-presentment on 12/28/2022. The document shows no compelling evidence (Name, Email address and phone number did not matched on the CH data). Submitted PRE-ARB on 01/18/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2296378165 received a re-presentment on 12/29/2022. The document shows no compelling evidence (The Email address, Phone number and the Address did not matched on the CH data). Submitted PRE-ARB on 01/18/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2296388948 was accepted by the acquirer on 12/28/2022. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2296388900 received a Re presentment on 12/29/2022. The Document shows compelling evidence (Matched the Name and the Phone number of the CH). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2297434928 received a Re presentment on 01/02/2023. The Document shows compelling evidence (Matched the CH Phone number As per Re-presentment CH was received a Text message that the ordered is already drop off on the selected address and Also CH agreed on the Terms and conditions of the merchant). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2296501065 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2297446148 received a Re presentment on 01/07/2023. The Document shows compelling evidence (As per Re-presentment provided of the merchant, CH agreed on the Terms and Conditions of the merchant. And also it indicates that Subscription payment are Non-refundable). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2297473067 received a Re presentment on 01/08/2023. The Document shows compelling evidence (As per Merchant, CH violate the PayPal user agreement, "Section: Fees for Sending money and Accepting payments". The section mentioned in the PayPal User Agreement states "You may not use the 'send money to a friend or family member' feature in your PayPal account when you are paying for goods and services." Also as per seller notes: We did not agree for a refund). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2299428791, 2299428839 received a Re presentment on 01/02/2023 and 12/26/2022. The Document shows compelling evidence (As per merchant CH did not attempt to contact merchant to return the Food. Also CH agreed on the Terms and conditions of the Merchant). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

30138989 - For question

7vke-VovB-btxd-37M2 7vke-VovB-btxd-37M2

https://ubiquitygs.intouch.app/logger/ https://visaonline.com https://prima.current.com https://current-mail.ubiquitygs.com Tracker - https://docs.google.com/forms/d/e/1FAIpQLSeUFB9e8QZg2Wb8hX7OqlpqaArCd_znFoJpuRlnWRXCcN1yEA/viewform

primary

DzrpucwCAmsdo-swAAColjrvima-yrsmDlisjEAuj-FduwFtAbyBbai

Dollar Tree - +14044603162 - No available representative. MOES SW GRILL - +14046884288 - Routed to IVR NAYAX VENDING - +14106663800 - Routed to IVR BURGER KING - +14047632491 - No available representative.

30148914 30149334

01/19/2023

VROL case number 2298096619 received a Re-presentment on 01/01/2023. The Document shows compelling evidence (The email address of the CH matched the Re-presentment. CH also full authorized the transaction). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2298126041 was accepted by the acquirer on 01/12/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2298157542, 2298157574 received a re-presentment on 12/23/2022, 01/02/2023. The document shows no compelling evidence. Submitted PRE-ARB for VROL Case 2298157542 on 01/19/2023. Merchant has 10 days to response. No Pre-arb file for VROL Case 2298157574 as the claim amount is below Pre-arb threshold. Case on-going.

VROL case number 2298329501 was accepted by the acquirer on 01/10/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

Lean Case ID: ___. Dispute ID: _______. ICC Date: _______. CH claimed (1) UT transaction/s from (merchant/multiple merchant) amounting to ($). Reg E claim. No claim cancellation nor merchant credit found.

Update no response from the CH. Re-categorized dispute from Merchandise/Services not Received to UT due to I didn’t request this service for this day and time it was also for a Lyft service which is a car riding service. Card not established. Card Status Active. PIN not established. Card absent transaction. Old Account. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. No MCO initiated as the merchant Lyft is part of the approved DNC list. Requested Card closure on 01/19/2023. Requested PVC issuance on 01/19/2023 to the Current Team. Case ongoing

Five below - +18175714924 - Routed to IVR, Starbucks - +12812325130 - No available representative.

VROL case number 2296266578 was accepted by the acquirer on 01/17/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2288464288, 2288464287 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2289223994 did not received any response after 45 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2293627509 was accepted by the acquirer on 01/11/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

01/20/2023

VROL case number 2297459322 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2297695055 was accepted by the acquirer on 01/19/2023. VROL case number 2297695053, 2297695054 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2298744862 was accepted by the acquirer on 01/10/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2298808971 received a Re presentment on 01/04/2023. The Document shows compelling evidence (Matched the Name, Address and phone number ). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2298938202 was accepted by the acquirer on 01/10/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2298952562 received a re-presentment on 01/12/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/20/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2300928639 received a re-presentment on 01/06/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/20/2023. Merchant has 10 days to response. Case on-going.

PALMETTO MOON - +18438717727 - Routed to IVR. SHOE CARNIVAL - +18438326536 - Merchant did not participate to validate the disputed transaction.

VROL case number 2295010560 was accepted by the acquirer on 01/17/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2307449549 received a Re presentment on 01/20/2023. The Document shows compelling evidence (As per documents CH was agreed to the Terms and Conditions of the Merchant). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

2298126273 - Transac 12/09/2022

VROL case number 2298732214 received a re-presentment on 02/27/2022. The document shows no compelling evidence. Submitted PRE-ARB on 01/20/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2300077580 received a re-presentment on 01/01/2023. The document shows no compelling evidence. However, Unable to file Pre-arb due to dispute claim is filed on Mastercard. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2299363970 received a Re presentment on 01/14/2023. The Document shows compelling evidence (Matched the Address of the CH. And also Merchant was able to provide a tracking number and it shows that the item is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2299442905 was accepted by the acquirer on 01/11/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

01/23/2023

VROL case number 2298083554 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2298172507, 2298172575, 2298172606 was accepted by the acquirer on 01/22/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2299459666 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2299610075, 2299610042 was accepted by the acquirer on 01/11/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300166464 was accepted by the acquirer on 01/09/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300184417 received a Re presentment on 01/04/2023. The Document shows compelling evidence (Matched the Email address and the Phone number) and also CH has a Previous and succeeded transaction from the disputed merchant . Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2300231530, 2300231512 received a Re presentment on 01/04/2023. The Document shows compelling evidence (Matched the Name and phone number of the CH). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

Lean Case ID: 30136895. Dispute ID: 29415d8e-1b3a-469f-93c8-2a2b8ddcb709. ICC Date: 12/13/2022. CH claimed (3) UT transactions from multiple merchants amounting to $134.86. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2302022219 received a Re presentment on 01/06/2023. The Document shows compelling evidence (Matched the Name, Address, phone number, DOB, Email address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

Lean Case ID: 30136895. Dispute ID: 29415d8e-1b3a-469f-93c8-2a2b8ddcb709. ICC Date: 12/13/2022. CH claimed (3) UT transactions from multiple merchants amounting to $134.86. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2302022217 was accepted by the acquirer on 01/17/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

*Split case from 30136895

Lean Case ID: 30136936. Dispute ID: 312d81eb-d3ba-42ee-a1e3-938ab64c6675. ICC Date: 12/13/2022. CH claimed (4) UT transactions from multiple merchants amounting to $617.58. Reg E claim. No claim cancellation nor merchant credit found. Card lost. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2300231928 received a Re presentment on 01/04/2023. The Document shows compelling evidence (Matched the Name, Old Address prior on the disputed transaction, Email Address). Claim decision is CB LOSS. NO ERROR FOUND. VROL case number 2300231930 received a Re presentment on 01/19/2023. The Document shows compelling evidence (Matched the Name, Address, Email Address). Claim decision is CB LOSS. NO ERROR FOUND. VROL case number 2300231931 received a Re presentment on 01/19/2023. The Document shows compelling evidence (Matched the Name, Address, Email Address). Claim decision is CB LOSS. NO ERROR FOUND. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

30136938 - 2300231929 - Lean Case ID: 30136936. Dispute ID: 312d81eb-d3ba-42ee-a1e3-938ab64c6675. ICC Date: 12/13/2022. CH claimed (4) UT transactions from multiple merchants amounting to $617.58. Reg E claim. No claim cancellation nor merchant credit found. Card lost. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2300231929 was accepted by the acquirer on 01/04/2023. Claim decision is CB WON. ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

*Split Case from 30136936

2302094483 - No Compelling - 40.00 - 01/09/2023 2302094481 - No Compelling - 100.00 - 01/09/2023 2302094480 - No Compelling - 30.00 - 01/09/2023

VROL case number 2302094483, 2302094480 received a re-presentment on 01/09/2023. The document shows no compelling evidence. However, Unable to proceed on filing Pre-arb due to claim amount is below Pre-arb threshold. VROL case number 2302094481 received a re-presentment on 01/09/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/23/2023. Merchant has 10 days to response. Case on-going.

2302501159 - Lean Case ID: 30139233. Dispute ID: 5f13c8f3-bce9-454c-9861-b8dcc85c24be. ICC Date: 12/17/2022. CH claimed (3) UT transactions from CASH APPRACKSADD amounting to $187.00. Reg E claim. No claim cancellation nor merchant credit found. Card stolen. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2302501159 was accepted by the acquirer on 01/09/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

30139234 - 2302501160 - Lean Case ID: 30139233. Dispute ID: 5f13c8f3-bce9-454c-9861-b8dcc85c24be. ICC Date: 12/17/2022. CH claimed (3) UT transactions from CASH APPRACKSADD amounting to $187.00. Reg E claim. No claim cancellation nor merchant credit found. Card stolen. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2302501160 received a Re presentment on 01/09/2023. The Document shows compelling evidence (Matched the Email address and the Physical Address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

*Split case from 30139233

Update 01/23/2023 still no response from the CH. CH mentioned that the card was not in possession , meanwhile, there are valid undisputed card present transaction in after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. Card present transaction happened on the same state. All transactions are within CH’s typical spending activity. No ATO hallmarks within UT timeline.

Cardholder Name: Robert Carthan CUID: KMglhAjiaNkoWdsbTvNWhxpNHtWsjHot Dispute ID: bd7caabb-fdff-4a1b-a31d-1c01541ee14c Dispute Type: UT Case ID (Adj Hub): 30150688 Disputed Amount: 1009.99

Lean Case ID: 30150688. Dispute ID: bd7caabb-fdff-4a1b-a31d-1c01541ee14c. ICC Date: 01/11/2023. CH claimed (1) UT transaction from AF*SURESTE PROPERTY S. amounting to $1,009.99. Reg E claim. No claim cancellation nor merchant credit found. Card not in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. Moto/ECI: 07. Entry Mode: 00. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. Initiated MCO via phone number 404-239-3977. Merchant did not participate to validate the disputed transaction. For escalation.

With previous transaction from the disputed merchant.

VROL case number 30142332 received a re-presentment on 01/16/2023. The document shows no compelling evidence. However, Unable to proceed to file Pre-arb due to claim amount is below Pre-arb threshold. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300274458 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300274324 was accepted by the acquirer on 12/28/2022. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300305258 was accepted by the acquirer on 01/11/2023. Filed FR for the remaining claims with ROL Case#5225337838, 5225337839, 5225337840,5225337841, 5225337842. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2299995126 was accepted by the acquirer on 01/18/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2299982430 was accepted by the acquirer on 01/112023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300251263, 2300251264 received a Re presentment on 01/03/2023. The Document shows compelling evidence (Merchant was able to provide a proof that the Services was rendered. (It shows on the documents Pick-up and drop off location)). Claim decision is CB LOSS. NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2299575902 received a re-presentment on 12/31/2022. The document shows no compelling evidence. Submitted PRE-ARB on 01/23/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2299369682 received a Re presentment on 01/03/2023. The Document shows compelling evidence (Merchant was able to provide a break down of the amount charged). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed. 30135775

VROL case number 2298766087 was accepted by the acquirer on 12/27/2022. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2298734355 received a Re presentment on 12/31/2022. The Document shows compelling evidence (Matched the Name and the Address of the CH. Also merchant was able to provide a tracking number showing that it is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

The remaining balance after the last auth of the disputed transaction resulted to $xxxxx.

AVAS FLOWERS - 877-638-3303 - Routed to IVR HALLANDALE U GAS - +19544541358 - No available representative.

Exhausted the business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

2300100558 - Timeframe expired 2300100631 - No compelling - below pre-arb - 01/09/2023 2300100656 - Accepted 01/07/2023

VROL case number 2300100631 was accepted by the acquirer on 01/07/2023. Claim decision is CB WON. VROL case number 2300100558 did not received any response after 30 days. Claim decision is CB WON. VROL case number 2300100631 received a re-presentment on 01/09/2023. The document shows no compelling evidence. However, Unable to proceed in filing Pre-arb due to claim amount is below Pre-arb threshold. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300100848 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2300928874 received a Re presentment on 01/19/2023. The Document shows compelling evidence (Merchant was able to provide an amount breakdown). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2300928793 received a Re presentment on 01/05/2023. The Document shows compelling evidence (Matched the Name, Email address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2301001261 received a Re presentment on 01/13/2023. The Document shows compelling evidence (Matched the address of the CH. Also Merchant was able to provide a tracking number showing that the Item is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2301010808 received a Re presentment on 01/01/2023. The Document shows compelling evidence (Matched the Name, Phone number). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2301010875 received a Re presentment on 01/21/2023. The Document shows compelling evidence (Merchant was able to provide a copy of the breakdown of the order.). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed

49.99 5226318559 5226318560 5226318561 5226318562 5226318563 5226318564 5226318565 5226318566 5226318567 5226318568 5226318569 5226318570 - 99.99

5226318548, 5226318549, 5226318550, 5226318551, 5226318552, 5226318553, 5226318554, 5226318555, 5226318556, 5226318557, 5226318558,

5226318559, 5226318560, 5226318561, 5226318562, 5226318563, 5226318564, 5226318565, 5226318566, 5226318567, 5226318568, 5226318569, 5226318570

4115-6801-2572-5500

800-266-0172 - Routed to Email support SQ - DNC

Initiated MCO for merchant WISH.COM - 800-266-0172. Routed to Email support. Initiated MCO for merchant HUNGRY HOWIES - +12697921510. No available representative. No MCO initiated as the merchant SQ is part of the approved DNC list.

Cardholder Name: Shayna Barrick CUID: PVda4P75nhoGgU0BstEMkJv8LpsXMSje Dispute ID: 183e3e30-a14a-4032-ba11-6292b65603a2 Dispute Type: UT Case ID (Adj Hub): 30156618 Disputed Amount: 3509.74

Lean Case ID: 30156618. Dispute ID:183e3e30-a14a-4032-ba11-6292b65603a2. ICC Date: 01/10/2023. CH claimed (25) UT transactions from WISH.COM, HUNGRY HOWIES 3605, SQ *ELI SCOBY amounting to $3,509.74. Reg E claim. No claim cancellation nor merchant credit found. Card stolen. Card Status Replaced and Deactivated. PIN memorized. Card present and absent transaction. Old Account. PTF Claim PVC Ineligible. NO CB RIGHTS. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. With suspicious declined transactions from the same merchant. Initiated MCO for merchant WISH.COM - 800-266-0172. Routed to Email support. Initiated MCO for merchant HUNGRY HOWIES - +12697921510. No available representative. No MCO initiated as the merchant SQ is part of the approved DNC list. No CB rights. No recovery option.

Cardholder Name: Telliesha Sessions CUID: qF76Sjps1YkAaGpkcGPN2gErWNQihrhU Dispute ID: 5b4c4a71-0c7e-4f47-a1bf-9d2d24d6723b Dispute Type: Merchandise Returned Case ID (Adj Hub): 30152897 Disputed Amount: 1515.00

Lean Case: 30152897. Dispute ID: 5b4c4a71-0c7e-4f47-a1bf-9d2d24d6723b. ICC: 01/16/2023. Re-categorized dispute from UT to Merchandise/Services Returned. Non Reg-E claim. No claim cancellation. No merchant credit. PVC Ineligible. CH claimed 1 disputed transaction amounting to $1,515.00 for Merchant AUTOMAX. Old Account. PTF Claim. Investigation found: Initiated MCO via phone number +19549818380. Merchant did not participate to validate the disputed transaction. No CB file as the claim is already PTF. No recovery option.

30152999 - 18.70 30153000 - CND

SEPHORA - +17704754878. Routed to IVR. SARKU JAPAN - +17706371430. No available representative.

VROL case number 2301070819 received a Re presentment on 01/13/2023. The Document shows compelling evidence (The Merchant was able to provide an amount breakdown of the disputed transaction). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2301357311 was accepted by the acquirer on 01/22/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2301357459 received a Re presentment on 01/05/2023. The Document shows compelling evidence (Merchant was able to provide a proof that the transfer was successful). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2301402166 received a re-presentment on 01/24/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/25/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2301418869 received a Re presentment on 01/10/2023. The Document shows compelling evidence (Matched the Name, Email Address and the phone number of the CH). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2301443798, 2301487057 received a re-presentment on 01/13/2023. The document shows no compelling evidence. However, Unable to proceed in filing Pre-arb due to claim amount is below Pre-arb threshold. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2301508071 was accepted by the acquirer on 01/28/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2301892422 received a Re presentment on 01/03/2023. The Document shows compelling evidence (Merchant was able to provide a proof of transaction. Also the disputed transaction is a Card present. Matched the last 4 digit). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2301984524 was accepted by the acquirer on (Date accepted). Claim decision is CB WON. ERROR FOUND.

VROL case number 2301984844 was accepted by the acquirer on 01/08/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2302525323 was accepted by the acquirer on 01/01/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2302541274 received a Re presentment on 01/06/2023. The Document shows compelling evidence (Matched the Name, Zip code of the Address, Email address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2302714278 received a re-presentment on 01/05/2023. The document shows no compelling evidence (There is no explanation regarding to the reported issue of the CH). Submitted PRE-ARB on 01/25/2023. Merchant has 30 days to response. Case on-going.

VROL case number 2302727288 received a re-presentment on 01/03/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/25/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2302773040 received a Re presentment on 01/08/2023. The Document shows compelling evidence (Matched the Address of the CH also Merchant was able to provide a tracking number that shows it is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

EXPEDIA 72470711396214 EXPEDIA.COM WAUS

+1 (866) 310-5768

30152688

30136499 - for post monitoring

4115-6801-4639-6802

VROL case number 2307697010 received a Re presentment on 01/10/2023. The Document shows that the Merchant was already issued a Merchant Credit (11/15/2022 with TUID: lmkEbegfiFEtk-eyaocEqfFzumn-xEldisogzhzsd-cqxEzBbkerljp).

VROL case number 2295073740 received a Re presentment on 12/30/2022. The Document shows compelling evidence (Matched the Address of the CH and also merchant was able to provide a tracking number, Showing that the item is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2297518257 was accepted by the acquirer on 01/08/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2298787040 was accepted by the acquirer on 12/22/2022. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

30135029

VROL case number 2303069264 was accepted by the acquirer on 01/19/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2303163624 received a re-presentment on 01/18/2023. The document shows no compelling evidence. Submitted PRE-ARB on 01/26/2023. Merchant has 30 days to response. Case on-going.

VROL case number 2301887354 received a Re presentment on 01/17/2023. The Document shows compelling evidence (Matched the Address of the CH also merchant was able to provide a tracking number showing that the item is already delivered). Also as per Documents, CH received a partial merchant credit on 10/22/2022 with TUID: hfvBeBAvzzBme-AtfAEddkxBhab-DBypyBsdtyind-omhmDtikssbge amounting to $2.66. Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2298775206 received a re-presentment on 01/08/2023. The document shows no compelling evidence (Merchant's T&C shows that credit is to be issued roughly 30 days from application rejection, per Merchant Doc, Application was Rejected10/24. Been more than 30days since and no Refund was forthcoming on either Morty or on VISA Records. Merchant's Liability). Submitted PRE-ARB on 01/27/2023. Merchant has 30 days to response. Case on-going.

VROL case number 2300989464 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2303163870 received a Re presentment on 01/12/2023. The Document shows compelling evidence (Matched ). Claim decision is CB LOSS. NO ERROR FOUND.

VROL case number 2303163870 received a Re presentment on 01/12/2023. The Document shows compelling evidence (Merchant was able to provide an ample explanation as services as agreed and also the transaction is a card present transaction). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2303223978 was accepted by the acquirer on 01/25/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2304000808 was accepted by the acquirer on 01/23/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2304086719 was accepted by the acquirer on 01/12/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Cardholder Name: Michael Caso CUID: ZHi0XKTASaa1L1kyISRpU7dYdObkmsCc Dispute ID: 6d17275c-1a1e-45f8-acd8-b3d97d1e708b Dispute Type: UT Case ID (Adj Hub): 30153982 Disputed Amount: $102.44

Cardholder Name: Janay Goodwin CUID: mEuh3d11LCyDDsTIom0V8mub3CzwugPm Dispute ID: 90948e99-c0d3-40da-bc92-17d151f40b88 Dispute Type: UT Case ID (Adj Hub): 30154257 Disputed Amount: 3061.42

SEMINOLE - +18665027529 - Routed to IVR +13056424700 - Merchant did not participate +12392549710 - Merchant did not participate

Cardholder Name: Alejandro Rodriguez CUID: VHXmy6fXupFkKH2MqH3FusEH33PujUmV Dispute ID: 7aa2c736-657c-4188-a9bf-2025af05145f Dispute Type: UT Case ID (Adj Hub): 30154497 Disputed Amount: 224.48

Lean Case ID: 30154497. Dispute ID: 7aa2c736-657c-4188-a9bf-2025af05145f. ICC Date: 01/19/2023. CH claimed (3) UT transactions from multiple merchants amounting to $224.48. Reg E claim. No claim cancellation nor merchant credit found. Card lost. Card Status Replaced. PIN Written-down. Card present transaction. Old Account. INVESTIGATION FOUND: No Valid undisputed card present transaction. No funding activity. No cash in/out. No spending nor behavioral pattern observed. Initiated MCO for merchant SEMINOLE - +18665027529. Routed to IVR. Initiated MCO for merchants TST* Latin Cafe 2000 - +13056424700, Circle K - +12392549710. Merchant did not participate to validate the disputed transaction. Upon utilizing the investigation. I found out that the CH is a dispute abuser and there are two claims (same dispute claims) that are already denied. I also noticed that the CH has a previous transaction from the disputed merchant. Also the card present transaction happened in the same state.

02/01/2023

VROL case number 2287955239 was accepted by the acquirer on 01/29/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID: 30134410. Dispute ID: 3373326f-d769-48b6-999b-cb389d924ccf. ICC Date: 12/07/2022. CH claimed (2) UT transactions from DIRECTVSTREAM and AMZN Mktp US amounting to $116.76. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Initiated MCO for merchant DIRECTVSTREAM via phone number 800-531-5000, Routed to IVR. No MCO initiated as the merchant AMZN Mktp US is part of the approved DNC list. Sent CB on 12/20/2022 with ROL Case#2298157542 and 2298157574. Requested PVC issuance on 12/20/2022 to Current Team. Case ongoing.

Update VROL case number 2298157542, 2298157574 received a re-presentment on 12/23/2022, 01/02/2023. The document shows no compelling evidence. Submitted PRE-ARB for VROL Case 2298157542 on 01/19/2023. Merchant has 10 days to response. No Pre-arb file for VROL Case 2298157574 as the claim amount is below Pre-arb threshold. Case on-going.

Lean Case ID: 30134410. Dispute ID: 3373326f-d769-48b6-999b-cb389d924ccf. ICC Date: 12/07/2022. CH claimed (2) UT transactions from DIRECTV*STREAM and AMZN Mktp US amounting to $116.76. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: No Pre-arb file for VROL Case 2298157574 as the claim amount is below Pre-arb threshold. VROL case number 2298157542 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2298808743 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2301339752 was accepted by the acquirer on 01/28/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. PC issued will be permanent. Case closed.

VROL case number 2301939670 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Card Closure

Cardholder Name: Latedia Dooley CUID: ZT5OM6LehCEYNj6kjWJPSIiCk6vsAjJH Dispute ID: 3f25e2d6-da7a-4827-b0bf-edf84273b37d Dispute Type: UT Case ID (Adj Hub): 30138989 Disputed Amount: 50.55 Last 4 digit: 1577

Card still Active as of today.

VROL case number 2303283253 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2304000580 received a Re presentment on 01/13/2023. The Document shows compelling evidence (Merchant was able to provide a proof that the services was rendered. Also CH agreed on the terms and conditions of the merchant). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2304000957 received a Re presentment on 01/21/2023. The Document shows compelling evidence (As per merchant "This was a "in-store" purchase. A customer received the merchandise chosen at point of sale". Also merchant was able to provide a copy of the receipt.). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

VROL case number 2304012831, 2304012832 received a Re presentment on 01/17/2023. The Document shows compelling evidence (Matched the Name and the address of the CH also as per re-presentment The IP; VID; Billing /Shipping Address for this transaction is similar to those used in 3 transaction that the customer authorized in the past eighteen months). Claim decision is CB LOSS. Therefore, NO ERROR FOUND . Endorsed to Current Team for Final Letter. PC will be reversed on the 5th business day. Case closed.

VROL case number 2304063862 received a Re presentment on 01/20/2023. The Document shows compelling evidence (Matched the Address of the Cardholder and also merchant was able to provide a tracking number showing that it is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

5229935184, 5229935185, 5229935186, 5229935187, 5229935188, 5229935189,

Card still Active as of today.

Cardholder Name: Mark Jordan CUID: MsddcROljXXzCYuBIxJcsfMKwcOEbrud Dispute ID: 3f8b6161-dcdf-46f1-b6d3-ff5b35763848 Dispute Type: UT Case ID (Adj Hub): 30156519 Disputed Amount: 669.21 Last 4 digit: 1831

Card still Active as of today.

Cardholder Name: Brandon Davenport CUID: EoL8sNgN27g20GcPAR9zqgSpHtRxGKZS Dispute ID: b7aab29b-d0f5-4c23-9bbf-09cf2bdca515 Dispute Type: UT Case ID (Adj Hub): 30153766 Disputed Amount: 51.91 Last 4 digit: 7064

Card still Active as of today.

Cardholder Name: Jatauri Babineaux CUID: hVnFwcTFKptohyZcnwbTKfytNRwNWozz Dispute ID: a468cdd3-9d10-453b-bc58-25ebff7ecbb2 Dispute Type: UT Case ID (Adj Hub): 30156600 Disputed Amount: $271.00

Lean Case ID: 30156600. Dispute ID: a468cdd3-9d10-453b-bc58-25ebff7ecbb2. ICC Date: 01/24/2023. CH claimed (7) UT transactions from FBPAY amounting to $271.00. Reg E claim. No claim cancellation. Received partial merchant credit from FBPAY amounting to $25.00 and settled on 08/28/2022 with TUID: WVR7-leOg-oxgo-ce1X. Remaining claim amount is $246‬.00. Card lost. Card Status Deactivated. PIN memorized. Card absent transaction. Old Account. Moto/ECI: 7. Entry Mode: 01. PTF – PVC Ineligible. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. No MCO initiated as the merchant FBPAY is part of the approved DNC list. No CB rights for Case ID 30156600, 30156602 (More than 120 days). Upon exhausting the investigation I found out that every disputed transaction there is funds coming from RDFI. And then the same day that funds from RDFI was deposited the disputed transaction started to be authorized that day. With a successful transaction from the disputed merchant.

Dispute ID . ICC Date: . CH claimed (1) UT transaction/s from (merchant/multiple merchant) amounting to ($). Reg E claim. No claim cancellation. (New account/Old Account). Received partial merchant credit from (merchant) amounting to ($) and settled on (settlement date) with TUID:___________. Remaining claim amount is ($__). Card (in possession/stolen/lost). Card (in possession/stolen/lost). Card Status (Replaced/Re-ordered/Active/Deactivated). PIN (memorized/stored/not established). Card (present/absent/present and absent) transaction.

Received partial merchant credit from TURO INC.* TRIP amounting to $653.83 and settled on 01/06/2023 with TUID: uFrlBqkrbjsbf-Attrffvskuozn-mhabyqbEmACbn-jqCngzhgcerqi. Remaining claim amount is $2,803.93‬.

Cardholder Name: Doyin Isaac CUID: vINLJQyMtWOofuLsXZPsisJqopMxmIbr Dispute ID: 83d550e3-1edd-49a0-aef0-f5c1b1c7d274 Dispute Type: UT Case ID (Adj Hub): 30156676 Disputed Amount: $3,457.76

Lean Case ID: 30156676. Dispute ID: 83d550e3-1edd-49a0-aef0-f5c1b1c7d274. ICC Date: 01/24/2023. CH claimed (4) UT transactions from TURO INC.* TRIP amounting to $3,457.76. Reg E claim. No claim cancellation. Received partial merchant credit from TURO INC.* TRIP amounting to $653.83 and settled on 01/06/2023 with TUID: uFrlBqkrbjsbf-Attrffvskuozn-mhabyqbEmACbn-jqCngzhgcerqi. Remaining claim amount is $2,803.93‬. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. (New Old Account. Moto/ECI: 7. Entry Mode: 06. INVESTIGATION FOUND: Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction/s activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. Cash in/out observed. The remaining balance after the last auth of the disputed transaction resulted in -$25.00. All transactions are within CH’s typical spending activity. No ATO hallmarks within UT timeline.

Should we go ahead and proceed with denying?

Thank you, Ubiquity Team - Manila

Card still Active as of today.

Cardholder Name: Nickalus Aasen CUID: uqOPcxXJE9mh9zSGYPNFHNj9GtfUBY54 Dispute ID: 35548e0e-6ec1-41eb-9319-36562d9ccf00 Dispute Type: UT Case ID (Adj Hub): 30142239 Disputed Amount: 44.34 Last 4 digit: 6665

Card still Active as of today.

Cardholder Name: Brittany Smith CUID: ptE1GmPoRDb0rRgrXOtIPlUr8ZxygTjc Dispute ID: 903a310c-087f-46f7-a31c-d240ea6f989c Dispute Type: UT Case ID (Adj Hub): 30146405 Disputed Amount: 35.14 Last 4 digit: 1252

Card still Active as of today.

Cardholder Name: Danielle Howe CUID: cwIkDZKhCsbVKVzURF4uYFSVcO4HIXaE Dispute ID: 346198a0-a330-4a9b-bb12-adcd5522c5c7 Dispute Type: Merchandise Returned Case ID (Adj Hub): 30157104 Disputed Amount: 62.75

Lean Case: 30157104. Dispute ID: 346198a0-a330-4a9b-bb12-adcd5522c5c7. ICC: 01/25/2023. Re-categorized dispute from UT to Merchandise Returned. Non Reg-E claim. No claim cancellation. No merchant credit. PVC Ineligible. CH claimed 1 disputed transaction amounting to $62.75 for Merchant 1474 W. RAMSEY STREET. Old Account. PTF Claim - No CB Rights. Investigation found: For escalation “Please advise the correct tagging of this claim, Initially the claim was filed as Merchandise Returned, However, upon checking the disputed transaction was an ATM Withdrawal, Kindly confirm if we will tag this claim as CND?”. Also upon checking on the dispute history, There are four disputes filed in the same month (3 dispute claims on 01/25/2023 and 1 dispute claim on 01/30/2023). Sign of being a dispute abuser.

30157781 - what is the supposed to be charged and the status of the card

Lean Case: 30122324. Dispute ID: c531c811-bcdb-4bcc-977c-a74f83b6f4a0. ICC: 11/17/2022. Re-categorized dispute from UT to Merchandise/Services not Received because CH recognized the charge but “Customer is saying that the receiver didn't received the money for those transactions”. Non Reg-E claim. No claim cancellation. No merchant credit. PVC Ineligible. CH claimed 3 disputed transactions amounting to $325.00 for Merchant FBPAY, VENMO, PAYPAL. Investigation found: No MCO initiated as the merchant FBPAY is part of the approved DNC list. Initiated MCO for merchant Venmo - (855) 812-4430 and Paypal - 1 402-935-2050, Routed to IVR, unable to validate the disputed transaction. Sent CB on 11/30/2022 with ROL Case#2287845925, 2287845974, 2287864011. Case ongoing. Update 2287864011 - Timeframe expired - VROL case number 2287864011 did not received any response after 30 days. 2287845925 - 12/09/2022 - VROL case number 2287845925 received a Re presentment on 12/09/2022. The Document shows compelling evidence (Merchant was able to provide a proof that the transaction was successful). 2287845974 - 12/13/2022 - Invalid - VROL case number 2287845974 received a re-presentment on 12/13/2022. The document shows no compelling evidence. Submitted PRE-ARB on 01/02/2023. Merchant has 30 days to response. Case on-going.

ROL Case#

30122326 - $105.00 - 2287845925 - VROL case number 2287845925 received a Re presentment on 12/09/2022. The Document shows compelling evidence (Merchant was able to provide a proof that the transaction was successful). Claim decision is CB Loss. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. Case closed. Split case from 30122324

105 - 2287845974 - VROL case number 2287845974 was accepted by the acquirer on 02/01/2023. Claim decision is CB WON. ERROR FOUND. 2287864011 - VROL case number 2287864011 did not received any response after 30 days. Claim decision is CB WON. ERROR FOUND.

****Split case from 30122324

VROL case number 2304409995 was accepted by the acquirer on 01/23/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. Case closed.

Dispute ID: a5ee85e6-24f6-4a10-b725-e1f7cc396735. ICC: 2022-12-17. Lean Case #: 30138954. CH Claimed 2 UT amounting to $162.54 for merchant TMOBILE POSTPAID WEB. Card is not in possession and PIN is "Memorized". Card is already replaced. New Account. No Claim cancellation nor merchant credit found. Online transactions. Investigation found: VROL case number 2304409995 was accepted by the acquirer on 01/23/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. Case closed.

VROL case number 2300274458 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

LEAN: 30137118. Dispute ID: bbf3385d-dafc-4b2b-9cd4-a3aeb0adb992. ICC Date: 2022-12-14. CH claimed (1) UT transaction/s from Fasaha Cafe Lagos NG amounting to $52.95. Reg E claim. No claim cancellation nor merchant credit found. Card NOT in possession PIN memorized. Card absent transaction. Card Deactivated. Old Account. Investigation: VROL case number 2300274458 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

VROL case number 2304388242 received a Re presentment on 01/12/2023. The Document shows compelling evidence (As per Documents attached. The cardholder was not eligible for are fund on this transaction within the framework of our Terms. This policy was made clear to the cardholder prior to their approval of this transaction.). Claim decision is CB LOSS. NO ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

VROL case number 2304402676 was accepted by the acquirer on 01/23/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

VROL case number 2304416000 received a Re presentment on 01/19/2023. The Document shows compelling evidence (Matched the Address of the CH also merchant was able to provide a tracking number showing that it is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

VROL case number 2304508777 received a Re presentment on 01/04/2023. The Document shows compelling evidence (Matched the Name, Address and Email address of the CH). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. PC will be reversed on the 5th business days. Case closed.

VROL case number 2304525001 received a Re presentment on 01/26/2023. The Document shows compelling evidence (Matched the Address of the CH also merchant was able to provide a tracking number showing that it is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. Case closed.

Lean Case ID: 30141900. Dispute ID: d6373751-2fb2-44bd-9871-43d5435fb1dd. ICC Date: 12/23/2022. CH claimed (1) UT transactions from MOTIONARRAY.COM amounting to $41.99. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2304601461 received a re-presentment on 01/31/2023. The document shows no compelling evidence. Unable to proceed in filing Pre-arb due to claim amount is below Pre-arb threshold. Therefore, ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

VROL case number 2300928639 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

Lean Case ID: 30139038. Dispute ID: d78f5d10-63d8-40c4-a3f5-f318b00edb12. ICC Date: 12/17/2022. CH claimed (4) UT transactions from CASH APP*REA BRYANT amounting to $190.00. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2302094483, 2302094480 received a re-presentment on 01/09/2023. The document shows no compelling evidence. However, Unable to proceed on filing Pre-arb due to claim amount is below Pre-arb threshold. VROL case number 2302094481 did not receive any response after 10 days. Claim decision is PRE-ARB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. PC issued will be permanent. Case closed.

Lean Case ID: 30141162. Dispute ID: dd29c025-f649-4af5-a7b2-c3a9f2e3c5ef. ICC Date: 12/21/2022. CH claimed (1) UT transaction from AMZN Mktp US amounting to $144.92. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. INVESTIGATION FOUND: VROL case number 2305218564 received a Re presentment on 01/19/2023. The Document shows compelling evidence (Matched the Name and the address also Merchant was able to provide a tracking number showing that the item was delivered on the Address of the CH). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. PC issued will be reversed on the 5th business days. Case closed.

VROL case number 2304081070 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current team for final letter. Case closed.

VROL case number 2305038645 received a re-presentment on 01/15/2023. The document shows no compelling evidence. Submitted PRE-ARB on 02/03/2023. Merchant has 10 days to response. Case on-going.

ROL-1615 - Dispute is invalid under Dispute Condition 10.4 for a Visa Secure transaction.

As per checking claim was Deminimis. As per client claim will be deleted.

1-800-5262697

5231459049, 5231459050, 5231459051, 5231459052, 5231459053, 5231459054, 5231459055, 5231459056, 5231459057, 5231459058

VROL case number 2305263601 received a re-presentment on 01/13/2023. The document shows no compelling evidence. Submitted PRE-ARB on 02/03/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2305263992 received a re-presentment on 01/15/2023. The document shows no compelling evidence. Submitted PRE-ARB on 02/03/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2307518493 received a re-presentment on 01/19/2023. The document shows no compelling evidence. Submitted PRE-ARB on 02/03/2023. Merchant has 10 days to response. Case on-going.

Update: Lean Case: 30145991. Dispute ID: c53961c0-75d7-4e70-ab15-41caf6417a3c. ICC: 12/31/2022. Re-categorized dispute from Charged More Than Once to Paid by Other means because as per additional info "I was told my card wasn’t working so I paid for the food in cash out of my own pocket and I was told the transaction was a ghost transaction meaning it would only say pending but it will not post to my account and it still posted.". Reg-E claim. No claim cancellation. No merchant credit. CH claimed 1 disputed transaction amounting to $67.89 for Merchant BAHAMA BREEZE 00030171. Old Account. Investigation found: Can't proceed on filling chargeback, As per CH advise "I can look for it but I doubt I would have receipt for that long . I don’t really keep receipts plus I was told I was taken care of and it wasn’t". One of the requirements for filing chargeback is Receipt. Also there is no decline transaction happened on the disputed transaction. Contrary of the statement of the CH. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. PC issued will be reversed on the 5th business days. Case closed.

"Geniya Witter Today ‪01:33 pm‬

I was told my card wasn’t working so I paid for the food in cash out of my own pocket and I was told the transaction was a ghost transaction meaning it would only say pending but it will not post to my account and it still posted .
Geniya Witter Today ‪04:41 pm‬

I can look for it but I doubt I would have receipt for that long . I don’t really keep receipts plus I was told I was taken care of and it wasn’t https://dl.airtable.com/.attachments/f5cbf9d38eb3e84dc2256c58b91a130e/a74d6180/CaseID30145991.pdf "

Please provide a proof of return or original invoice for purchase showing return policy and any communications from the merchant

CHECKFREESCO - 855-506-9175, Routed to IVR, PRIVATERECORDS - 844-923-4297, Routed to IVR

WAWA 5244 - Routed to IVR. +17866774366

DOLLAR GENERAL - +17865401195. Unable to connect merchant phone number -

Cardholder Name: Jobeth Jones CUID: IxrlmtVuwoBWERVfamPDkcYicUccebCa Dispute ID: 607141c6-f0c6-41f0-aa71-ad6957624dce Dispute Type: UT Case ID (Adj Hub): 30159304 Disputed Amount: 73.08

Lean Case ID: 30159304. Dispute ID: 607141c6-f0c6-41f0-aa71-ad6957624dce. ICC Date: 01/30/2023. CH claimed (2) UT transactions from WAWA 5244, DOLLAR GENERAL # DG amounting to $73.08. Reg E claim. No claim cancellation nor merchant credit found. Card in possession. Card Status Replaced. PIN memorized. Card present and absent transaction. Old Account. Moto/ECI: Blank. Entry Mode: 07. INVESTIGATION FOUND: Transaction is not EMV. No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. No 3rd Party Access. With suspicious declined transactions from the same merchant. Initiated MCO for merchant WAWA 5244 - +17866774366. Routed to IVR. DOLLAR GENERAL - +17865401195. Unable to connect merchant phone number. Hence, this gathered information is not enough to deny the claim. However, Upon checking the transaction was Tokenized and the last 4 digits of the phone number were different on the phone number in Morty. Already raised to Current Team for the final outcome of the claim. Case ongoing.

Cardholder Name: Dangelo Murphy CUID: dPFZoD4YArWTaCnv9jYI3NWKeaoQUUhQ Dispute ID: f7942669-976e-42fb-8078-0c40bfa9901c Dispute Type: UT Case ID (Adj Hub): 30160149 Disputed Amount: 202.98

Lean Case ID: 30160149. Dispute ID: f7942669-976e-42fb-8078-0c40bfa9901c. ICC Date: 01/31/2023. CH claimed (2) UT transactions from FRESCO Y MAS #23 amounting to $202.98. Reg E claim. No claim cancellation nor merchant credit found. Card in possession/stolen/lost. Card Status Replaced. PIN memorized. Card absent transaction. Old Account. Moto/ECI: Blank. Entry Mode: 07. Tokenized transaction. INVESTIGATION FOUND: No funding activity. No cash in/out. No spending nor behavioral pattern observed. No 3rd Party Access. With suspicious declined transactions from the same merchant. Initiated MCO via phone number +13055566588. Routed to IVR. Unable to validate the disputed transaction. No CB rights. No Recovery option. Hence, this gathered information is not enough to deny the claim. However, Upon checking the transaction was Tokenized and the last 4 digits of the phone number were different on the phone number in Morty.

30150453 - Issued 30150368 - Issued

Tokenized transaction

Phone number in token (No Changes) - Leading for write-off - Escalate Phone number in token (Different number in Morty) - Leading for write-off - Escalate Phone number in token (Different number in Morty) - Leading for Denial - Escalate Phone number in token (No Changes) - Leading for Denial (With strong denial reason) - No escalation needed. Close as is.

VROL case number 2303133314 received a Re presentment on 01/13/2023. The Document shows compelling evidence (CH agreed to the terms and condition of the merchant also as per re-presentment "No Refunds. Charges paid by you for completed and delivered orders are final and non-refundable"). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current team for final letter. PC issued will be reversed on the 5th business days. Case closed.

2305232444 - 13 days days to Act 2305232466 - Compelling - Card present - Merchant provided a proof of receipt and also the transaction was Card present. 2305232494 - Compelling - Card present - Merchant provided a proof of receipt and also the transaction was Card present. 2305250038 - Compelling - Card present - Merchant provided a proof of receipt and also the transaction was Card present. 2305250219 - No Compelling evidence. Submitted Pre-arb on 02/09/2023. Merchant has 10 days to response. Case on-going.

THE CORNER LIQUOR STOREBELLFLOWER CAUS THE CORNER LIQUOR STOR BELLFLOWER CAUS

Cardholder Name: Jasmine Williams CUID: y84D8yluQJz5hOTo1phrtpjh3DKQuPgp Dispute ID: 2e09650d-3251-4283-9233-1f6d7f7c7970 Dispute Type: CND Case ID (Adj Hub): 30161420 Disputed Amount: 400.00

Lean Case: 30161420. Dispute ID: 2e09650d-3251-4283-9233-1f6d7f7c7970. ICC: 02/03/2023. Re-categorized dispute from UT to No Cash Received. Reg-E claim. No claim cancellation. No merchant credit. CH claimed 1 disputed transaction amounting to $400.00 for Merchant 3302 15TH ST TUSCALOOSA ALUS. Old Account. Investigation found: For escalation. Upon checking on the dispute history CH filed a 4 dispute claim for the month of February (3 Dispute was CND) and total filed dispute of the CH was 8. This is the sign that the CH was a Dispute Abuser. Please advise what will be the outcome of the claim if we will proceed on filling a CB and issuing a PVC.

Cardholder Name: CUID: Dispute ID: Dispute Type: Case ID (Adj Hub): Disputed Amount:

Lean Case: 30161422. Dispute ID: e0aa55f1-ae3d-40a3-aa2e-5fe5d77a074e. ICC: 02/03/2023. Re-categorized dispute from UT to No Cash Received. Reg-E claim. No claim cancellation. No merchant credit. CH claimed 1 disputed transaction amounting to $120.00 for Merchant 808VETERANSMEMORIAL TUSCALOOSA ALUS. Old Account. Investigation found: Investigation found: For escalation. Upon checking on the dispute history CH filed a 4 dispute claim for the month of February (3 Dispute was CND) and total filed dispute of the CH was 8. This is the sign that the CH was a Dispute Abuser. Please advise what will be the outcome of the claim if we will proceed on filling a CB and issuing a PVC.

2 hours OT - 02/09/2023

VROL case number 2289039689 was accepted by the acquirer on 02/10/2023. Claim decision is Pre-arb WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2304086795 received a Re presentment on 01/18/2023. The Document shows compelling evidence (Upon checking the transaction was a Card present. Which means that CH can easily return the item on the Merchant during the transaction. And also CH did not attempt to return the item). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2306347542 received a re-presentment on 01/15/2023. The document shows no compelling evidence. However, can't proceed to file a Pre-arb due to the CB filing is on Mastercard. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2306587386 was accepted by the acquirer on 01/11/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2307481282 received a re-presentment on 01/20/2023. The document shows no compelling evidence. Submitted PRE-ARB on 02/13/2023. Merchant has 30 days to response. Case on-going.

VROL case number 2307493151 received a Re presentment on 01/11/2023. The Document shows compelling evidence (Merchant was able to provide a copy of receipt. And also the transaction is a Card present transaction). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2307493404 was accepted by the acquirer on 01/19/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2307518140 was accepted by the acquirer on 01/22/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2307532978, 2307547037 was accepted by the acquirer on 02/06/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2307609159 received a Re presentment on 01/31/2023. The Document shows compelling evidence (Merchant was able to provide a proof that the CH was rendered the services). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2307676580 received a Re presentment on 01/13/2023. The Document shows compelling evidence (Matched the Name, Phone number and Physical Address). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be reversed on the 5th business days. Case closed.

VROL case number 2308827841 was accepted by the acquirer on 01/16/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2308896070 received a Re presentment on 02/06/2023. The Document shows compelling evidence (Matched the State and the Zip code and also merchant was able to provide a tracking showing that it is already delivered). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2309009998 was accepted by the acquirer on 02/06/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2309046052 received a re-presentment on 01/12/2023. The document shows no compelling evidence. However, Can't proceed to file a Pre-arb due to the claim is already accepted (Fraud Dispute - Pre-Arb Response Accepted Full by Iss). Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2309613441 was accepted by the acquirer on 01/31/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be permanent. Case closed.

VROL case number 2309525512 was accepted by the acquirer on 01/13/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2309540041 was accepted by the acquirer on 02/07/2023. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2309540431 did not received any response after 30 days. Claim decision is CB WON. Therefore, ERROR FOUND. Endorsed to Current Team for sending Final letter. Case closed.

VROL case number 2309566730 received a re-presentment on 01/22/2023. The document shows no compelling evidence. Submitted PRE-ARB on 02/13/2023. Merchant has 10 days to response. Case on-going.

VROL case number 2309663063 received a Re presentment on 01/20/2023. The Document shows compelling evidence (Re-presentment shows that no im-balance happen on the ATM). Claim decision is CB LOSS. Therefore, NO ERROR FOUND. Endorsed to Current Team for sending Final letter. PC issued will be reversed on the 5th business days. Case closed.

APPLEBEES - +14256039696 - Routed to IVR. QT 587 INSIDE - +14025711302 - Merchant did not participate

Blank, 7, 2 05, 00 7,00 2,00

02/13/2023 for Card closure - TOM

Cardholder Name: Keeyonia Nichols CUID: XSbyMttlFfRkrOTKhNAvyssspbkYtGwS Dispute ID: 78368686-f36f-48b8-a639-d1281eed18bd Dispute Type: UT Case ID (Adj Hub): 30162343 Disputed Amount: $72.65

For card closure 4456

Lean Case ID: 30146688. Dispute ID: bcc5a2a1-430b-4a44-b803-1d7e621aaeb4. ICC Date: 01/02/2023. CH claimed (1) CND from 190 S MAIN ST TRENTON GAUS amounting to $300.00. Settled on 01/02/2023. Reg E claim. No claim cancellation nor merchant credit found. PC issued on 01/17/2023. Old Account. INVESTIGATION FOUND: Upon exhausting the investigation. I found out that the CH is not a Reg-E Player and not a dispute abuser. With ongoing CB. However the claim is near on Reso due (2 days left.) Therefore, Error found. Provisional credit issued dated 01/17/2023 amounting to $300.00 is now final. Case Closed. For post monitoring.

Cardholder Name: Andrew Perito CUID: jTYwcxggJULNHxVayyCAIgZZHDPERZTN Dispute ID: 4362fbfa-1285-4b5c-ac92-cfe32f009892 Dispute Type: UT Case ID (Adj Hub): 30160877 Disputed Amount: $1,222.00

Lean Case ID 30160877. Dispute ID 4362fbfa-1285-4b5c-ac92-cfe32f009892. CH claimed 3 UT from BETMGM for $1,222.00 settled on 10/17/2022. ICC date 02/01/2023. Reg E claim. Old New Account. PTF claim - PVC Ineligible. No claim cancellation and No merchant credit received. Card ending in 4255 are already replaced. Card was Stolen and PIN Status Memorized. Card Absent transaction. ** INVESTIGATION ** No funding activity. No cash in/out. No spending nor behavioral pattern observed. Without 3rd party access. No sufficient denial reason. Initiated MCO via phone number - 4233451561. Merchant did not participate to validate the disputed transaction. However, Upon exhausting the investigation. I found out that the CH has a prior history to the disputed merchant and also the “SOURCE” (funding) is for Gambling site.

Cardholder Name: Brenden Lockridge CUID: mY5Xk76rcB6St47Esd3SgD9x0f8laTLW Dispute ID: 5fc9fe03-c1c5-42e9-8e49-53bfe6f63643 Dispute Type: Charged More Than Once Case ID (Adj Hub): 30164153 Disputed Amount: 1581.00

Lean Case ID 30164153. Dispute ID 5fc9fe03-c1c5-42e9-8e49-53bfe6f63643. CH claimed 1 Charged More Than Once from GREENFIELD MARK DETROIT MIUS for $1,581.00 settled on 02/08/2023. ICC date 02/09/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +13138371176. Merchant did not participate to validate the disputed transaction. Per checking there is no other transaction from the disputed merchant contrary to the statement of the CH that he was Charged More Than Once. And also on the additional information in the Dispute tab. There is info that the CH paid in via cash. Please confirm if we will recategorized this claim to Paid by other means. And send additional information to CH for the copy of receipt? And also if we will now proceed to issue a PVC.

Cardholder Name: Jasmine Nathan CUID: NcxQLYuWNvc8MLQRwmIMuEnKzMNcrScF Dispute ID: fa1fd5c8-d183-4317-a33d-361dd0f0e21f Dispute Type: Charged More Than Once Case ID (Adj Hub): 30164840 Disputed Amount: 1692.00

Lean Case ID 30164840. Dispute ID fa1fd5c8-d183-4317-a33d-361dd0f0e21f. CH claimed 1 Charged More Than Once from GREENFIELD MARK DETROIT MIUS for $1,692.00 settled on02/09/2023. ICC date 02/10/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received INVESTIGATION Initiated MCO via phone number +13138371176. Merchant did not participate to validate the disputed transaction. However, upon exhausting the investigation. I found out that there is no other transaction under the disputed merchant. Please advise the final outcome of the claim. Case ongoing.

Cardholder Name: Kenna Dusha CUID: y7x2mvPfKZK3S9bwUhSdZaEYb29vRyyc Dispute ID: 9ada70e2-ef00-4485-8fb6-788f7ca7114f Dispute Type: Paid By Other Means Case ID (Adj Hub): 30165847 Disputed Amount: 2319.49

Lean Case ID 30165847. Dispute ID 9ada70e2-ef00-4485-8fb6-788f7ca7114f. CH claimed 1 Paid By Other Means from MSC DIVINA PARIS FR for $2,319.49 settled on 02/06/2023. ICC date 02/13/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated as the Merchant is outside the US. For additional information “Please provide a copy of receipt for the other card.” Please also confirm if we will issue a PVC on the 5th business days. Case ongoing

Cardholder Name: Rhonda Nicholas CUID: kRkumVDtVjTXRNLj5OaCtMBwMbLfqhKN Dispute ID: 0c77fe24-0d5c-4e39-9937-14c930961fe8 Dispute Type: CND Case ID (Adj Hub): 30163710 Disputed Amount: 305.00

Lean Case ID 30163710. Dispute ID 0c77fe24-0d5c-4e39-9937-14c930961fe8. CH claimed 2 CND from FAST TRACK #-K714885 for $305.00 settled on 02/02/2023. ICC date 02/02/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Upon exhausting the investigation. I found out that the CH is a dispute abuser (Total dispute claim file 9) and CH utilizing the PVC issued (Transferring funds). Possible Reg-E Player and Dispute abuser. Please advise what will be the final outcome of the claim.

FR done with VROL#5237852649, 5237852650, 5237852651. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

30160877

*Note As per client advise claim is approve for denial.

Case ID: 30164840 CUID: NcxQLYuWNvc8MLQRwmIMuEnKzMNcrScF Dispute ID: fa1fd5c8-d183-4317-a33d-361dd0f0e21f Amount: $1,692.00 Dispute Type: Charged More Than Once Reason: Denial approval

Notes: Lean Case ID 30164840. Dispute ID fa1fd5c8-d183-4317-a33d-361dd0f0e21f. CH claimed 1 Charged More Than Once from GREENFIELD MARK DETROIT MIUS for $1,692.00 settled on02/09/2023. ICC date 02/10/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received INVESTIGATION Initiated MCO via phone number +13138371176. Merchant did not participate to validate the disputed transaction. However, upon exhausting the investigation. I found out that there is no other transaction under the disputed merchant. Please advise the final outcome of the claim. Case ongoing.

However, Can't proceed on filling a chargeback for this claim as there is no other transaction to be link. As this is one of the requirements for filling a chargeback for dispute type Charged More Than Once. Should I proceed to deny this claim?

Case ID: 30164153 CUID: mY5Xk76rcB6St47Esd3SgD9x0f8laTLW Dispute ID: 5fc9fe03-c1c5-42e9-8e49-53bfe6f63643 Amount: $1,581.00 Dispute Type: Charged More Than Once Reason: Denial approval

Notes: Lean Case ID 30164153. Dispute ID 5fc9fe03-c1c5-42e9-8e49-53bfe6f63643. CH claimed 1 Charged More Than Once from GREENFIELD MARK DETROIT MIUS for $1,581.00 settled on 02/08/2023. ICC date 02/09/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +13138371176. Merchant did not participate to validate the disputed transaction. Per checking there is no other transaction from the disputed merchant contrary to the statement of the CH that he was Charged More Than Once. And also on the additional information in the Dispute tab. There is info that the CH paid in via cash.

Or should I proceed to send an additional information to CH for the copy of receipt? Since there is a statement of the CH that he paid in via Cash? And this will be a possible re-categorized to Paid by other means. (Copy of receipt is one of the requirements for filling a CB to dispute claim PBOM)

Lean Case ID 30132179. Dispute ID 8387df5c-db88-4612-a590-5b49375d11c6. CH claimed 1 UT from DD CAVIAR NATIVEGRILL for $120.50 settled on11/23/2022. ICC date 12/03/2022. Reg E claim. Old Account. Requested for PVC Issuance on 12/16/2022. No claim cancellation and No merchant credit received. Card ending in 1487 is already replaced. Card was lost and PIN Memorized. Card Absent transaction.

Chargeback requested on 12/16/2022 with ROL#2296320940. Chargeback Pre-Arb won (Timeframe elapsed). Error found. Provisional credit issued dated 12/16/2022 amounting to $120.50 is now final. Case Closed.

Lean Case ID 30132378. Dispute ID 90f7a4d2-0def-4930-a3c9-96ed9821a2ec. CH claimed 1 UT from CASH APP*JASMINE for $300.00 settled on11/14/2022. ICC date 12/04/2023. Reg E claim. Old Account. Requested for PVC Issuance on 12/16/2022. No claim cancellation and No merchant credit received. Card ending in 0221 is already replaced. Card in possession and PIN Status memorized. Card Absent transaction. Chargeback requested on 12/16/2022 with ROL#2296378165. Pre-Arb won (Timeframe elapsed). Error found. Provisional credit issued dated 12/16/2022 amounting to $300.00 is now final. Case Closed.

Lean Case ID 30139145. Dispute ID 288c3830-7904-4e7b-90da-1e0f8bb5440f. CH claimed 1 Charged Incorrect Amount from 774 FASTR 630 AIRPORT BAKERSFIELD CAUS for 50.35 settled on 12/12/2022. ICC date 12/17/2022. Reg E claim. Old Account. Requested for PVC Issuance on 12/28/2022. No claim cancellation and No merchant credit received. Chargeback requested on 12/28/2022 with ROL#2302126375. Chargeback won (Timeframe elapsed). Error found. Provisional credit issued dated 12/28/2022 amounting to 50.35 is now final. Case Closed.

Lean Case ID 30143712. Dispute ID af4e800b-5f38-4497-90fb-403f4e452459. CH claimed 2 UT from UBER EATS for $31.78 settled on 12/24/2022 . ICC date 12/27/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/09/2023. No claim cancellation and No merchant credit received. Card ending in 3148 is already replaced. Card In Possession and PIN Status Memorized. Card Absent transaction. Chargeback requested on 01/09/2023 with ROL#2307518493. Pre-Arb won (Timeframe elapsed). Error found. Provisional credit issued dated 01/09/2023 amounting to $31.78 is now final. Case Closed.

Lean Case ID 30145827. Dispute ID 87c1e4c2-fb98-4cc7-b7a0-f6d9d1935310. CH claimed 1 UT from STRONGERL-EBILL.COM for $59.99 settled on 12/31/2022. ICC date 12/31/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received. Card ending in 8760 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 01/12/2023 with ROL#2309625213. Chargeback won was accepted by the Acquirer (01/18/2023). Error found. Provisional credit issued dated 01/17/2023 amounting to $59.99 is now final. Case Closed.

30145827

Lean Case ID 30146138. Dispute ID 810e60c0-3c25-4755-8264-e4307cb575bf. CH claimed 3 UT from GOOGLE for $149.97 settled on 01/01/2023. ICC date 01/01/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received. Card ending in 2238 is already replaced. Card In Possession and PIN Status Memorized. Card Absent transaction. Re-presentment received on 01/20/2023 with VROL 2311646031, 2311646188, 2311646071 . Name and Email address is not matched on the CH data in Morty. Pre-arb initiated on 02/17/2023. Merchant has 10 days to respond. Case ongoing.

Name and Email address is not matched on the CH data in Morty.

Lean Case ID 30146252. Dispute ID 030ea2ce-f84f-4d8e-a526-81da7bc6c457. CH claimed 1 Merchandise/Services Not Received from AT&T COR DF for $63.00 settled on 12/29/2022. ICC date: 01/01/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 01/22/2023 with VROL #2311646404 . Matched the Address of the CH (Old Address) and also Merchant was able to provide a tracking showing that the item is already delivered on the given address. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID 30146405. Dispute ID 903a310c-087f-46f7-a31c-d240ea6f989c. CH claimed 1 UT from Subway 24047 for $35.14 settled on 12/27/2022. ICC date 01/01/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received . Card ending in 1252 is already deactivated. Card was lost and PIN Memorized. Card Absent transaction. ** INVESTIGATION ** Update card is already deactivated. CB with ROL case #5238425924. Initiated on 02/17/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30146442. Dispute ID 9914fe33-355b-4d3c-8a51-1a2ca5d827cf. CH claimed 1 UT from PAYPAL *ALIPAYUSINC for $165.99 settled on 12/29/2023. ICC date 01/02/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received. Card ending in 4090 is already replaced. Card In possession and PIN Memorized. Card Absent transaction. Re-presentment received on 02/03/2023 with VROL 2311735578. Matched the Name and the Address of the CH also there is a tracking number provided by the merchant showing that it is already delivered on the Address of the CH. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Lean Case ID 30146487. Dispute ID 753bb113-a661-4166-a1c6-95723abf41b2. CH claimed 1 UT from WALMART+ MEMBERSHIP for $103.39 settled on 12/24/2022. ICC date 01/02/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received. Card ending in 6390 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 01/17/2023 with ROL#2311735814. Chargeback won (Acquirer Accepted). Error found. Provisional credit issued dated 01/17/2023 amounting to $103.39 is now final. Case Closed.

Case ID: 30164840 CUID: NcxQLYuWNvc8MLQRwmIMuEnKzMNcrScF Dispute ID: fa1fd5c8-d183-4317-a33d-361dd0f0e21f Amount: $1,692.00 Dispute Type: Charged More Than Once Reason: For additional information

Notes: Lean Case ID 30164840. Dispute ID fa1fd5c8-d183-4317-a33d-361dd0f0e21f. CH claimed 1 Charged More Than Once from GREENFIELD MARK DETROIT MIUS for $1,692.00 settled on02/09/2023. ICC date 02/10/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received INVESTIGATION Initiated MCO via phone number +13138371176. Merchant did not participate to validate the disputed transaction. However, upon exhausting the investigation. I found out that there is no other transaction under the disputed merchant. However, upon checking dispute notes, the intake agent notated 'Dispute Created: User paid transaction on a different account.' which may possibly mean CH used different payment method.

We may request to ask for additional information on this claim so that we can properly proceed. We may need to ask for a copy of the receipt showing different payment method or the original amount. We are unable to proceed to filling a chargeback for this claim as there is no other transaction to be link or no proof showing payment using other means. As this is one of the requirements for filing a chargeback for dispute type Charged 'More Than Once' and 'Paid by Other Means'. How should we proceed with this claim?

Case ID: 30164153 CUID: mY5Xk76rcB6St47Esd3SgD9x0f8laTLW Dispute ID: 5fc9fe03-c1c5-42e9-8e49-53bfe6f63643 Amount: $1,581.00 Dispute Type: Charged More Than Once Reason: Denial approval

Notes: Lean Case ID 30164153. Dispute ID 5fc9fe03-c1c5-42e9-8e49-53bfe6f63643. CH claimed 1 Charged More Than Once from GREENFIELD MARK DETROIT MIUS for $1,581.00 settled on 02/08/2023. ICC date 02/09/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via phone number +13138371176. Merchant did not participate to validate the disputed transaction. Per checking there is no other transaction from the disputed merchant contrary to the statement of the CH that he was Charged More Than Once. And also on the additional information in the Dispute tab. Intake questionnaire indicates Cx paid via cash which leads to possible recategorization of the claim to Paid by Other Means.

Unable to proceed on filing a chargeback for 'Charged More Than Once' for this claim as there is no other transaction to be link. Or if recategorization is needed, we need to ask for copy of the receipt showing other payment means to proceed filing CB for Paid by Other Means.

02/20/2023

Hi Team,

We are considering denying on the claim listed below.

Case ID: 30164842 CUID: kDlLxgrBMuaZNXuWnuOgrJnAhSPUZeoy Dispute ID: aed92a96-35ea-4bfd-8d4f-79fcb2cd24cd Amount: $504.00 Dispute Type: Cash Not Dispense ROL Case: n/a Reason: Denial approval

Notes: Lean Case ID 30164842. Dispute ID aed92a96-35ea-4bfd-8d4f-79fcb2cd24cd. CH claimed 1 CND from 17011 E NINE MILE EASTPOINTE MIUS for $504.00 settled on 02/10/2023. ICC date 02/10/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Upon checking on the Dispute history, CH total dispute filed was 11 sign of being a Dispute Abuser. CH also has a previous transaction from the disputed Merchant/ATM. Card present transaction happened within CH's vicinity. (2 mins.). Dispute abuser and Possible Reg-E player. Escalated to Current Team for the final outcome of the claim.

Hi Team,

We are considering denying on the claim listed below.

Case ID: 30166715 CUID: ilubD4zMCWJUVAuuCKhA66KDZ9goWLYZ Dispute ID: 5a6a8432-0d39-46c1-9306-4f7a7441ace2 Amount: $1,766.00 Dispute Type: UT ROL Case: n/a Reason: Denial approval

Notes: Lean Case ID 30166715. Dispute ID 5a6a8432-0d39-46c1-9306-4f7a7441ace2. CH claimed 1 UT from SQ *VICTOR ROA for $1,766.00 settled on 03/24/2021. ICC date 02/15/2023. Reg E claim. Old Account. PTF claim - PVC Ineligible, No CB rights. No claim cancellation and No merchant credit received. Card ending in 1984 is already replaced. Card was lost and PIN Written-Down. Card Absent transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks within the UT timeline. Also per checking CH account was already closed due to. Remote Deposit Capture (RDC) - Altered/Fictitious. Note: Large negative balance user trying ti deposit suspicious checks. No FR file due to unable to locate the transaction in VISA. No ARN found in Lean. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Hi Team,

We are considering denying on the claim listed below.

Case ID: 30167140 CUID: zTEMZnFTHVTyqLPWAmoVUbFrEAkwXGSw Dispute ID: zTEMZnFTHVTyqLPWAmoVUbFrEAkwXGSw Amount: $1,824.00 Dispute Type: UT ROL Case: n/a Reason: Write Off approval

Notes: Lean Case ID 30167140. Dispute ID c7e6e9e8-4067-4301-bc6d-8b0dd718be0b. CH claimed 9 UT from for $1,824.00 settled on 01/08/2023. ICC date 02/16/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 0975 is already replaced. Card was stolen and PIN Status Memorized. Card Present transaction. ** INVESTIGATION ** There is a funding observed (bwDnhzEeBodbh-ahhwbrCtzsBkk-gvoAomkEelkad-egmrlasdAifjh), However, There is no impact on the disputed transaction . No cash in/out. No spending nor behavioral pattern observed. No valid card-present transaction from the same card that has been captured. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant (Fraud risk). Without 3rd party access. No MCO initiated as the merchant SQ is part of the approved DNC list.No sufficient denial reason. No Cb rights due to MOTO/ECI: Blank. Entry Mode: 07. Cardholder ID Method: 1.

Lean Case ID 30135007. Dispute ID 9f819ef5-c0b1-4179-bb5a-b5f0769fe5df. CH claimed 1 UT from RENT A CENTER ECOMMERCE for $53.04 settled on 12/03/2022. ICC date 12/09/2022. Reg E claim. Old Account. Requested for PVC Issuance on 12/21/2022. No claim cancellation and No merchant credit received. Card ending in 2858 is already replaced. Card In Possession and PIN Status memorized. Card Absent transaction. Chargeback requested on 12/21/2022 with ROL#2298732214.  Chargeback Pre-Arb won Timeframe elapsed. ERROR FOUND. Provisional credit issued dated 12/21/2022 amounting to $53.04 is now final. Case Closed.

Lean Case ID 30135674. Dispute ID e3a0314f-d07d-4902-9a9d-53ee4ff27dd9. CH claimed 1 UT from SAUCE* APRILE MIAMI HTTPSGETSAUCEDEUS for $88.00 settled on 12/10/2022. ICC date 12/10/2022. Reg E claim. Old Account. Requested for PVC Issuance on 12/21/2022. No claim cancellation and No merchant credit received. Card ending in 9351 is already replaced. Card in Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 12/21/2022 with ROL#2298952562. Chargeback Pre-Arb won, Timeframe Elapsed. ERROR FOUND. Provisional credit issued dated 12/21/2022 amounting to $88.00 is now final. Case Closed.

Lean Case ID 30138479. Dispute ID 8864ff66-b703-435c-b3bf-25a271e48405. CH claimed 1 Recategorized From Cancellation to Merchandise/Services Not Received from VZWRLSS*PREPAID PYMNT for $169.45 settled on 12/08/2022. ICC date 12/16/2022. Reg E claim. Old Account. Requested for PVC Issuance 01/03/2023. No claim cancellation and No merchant credit received. Chargeback requested on 01/19/2023 with ROL#2312889014. Chargeback won Accepted by Acquirer. ERROR FOUND. Provisional credit issued dated 01/03/2023 amounting to $169.45 is now final. Case Closed.

Lean Case ID 30146642. Dispute ID 7df33799-e84e-422a-928f-f48bc5b15cbe. CH claimed 1 Merchandise/Services Not As Described from DAYS INNS/DAYSTOP for $81.49 settled on 12/29/2022. ICC date 01/02/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 01/17/2023 with ROL#2311764478. Chargeback won - Timeframe expired. ERROR FOUND. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30146752. Dispute ID 439e135c-0016-4e51-adb5-3d412fd24f52. CH claimed 4 UT from VINTED for $60.90 settled on 01/02/2023. ICC date 01/02/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received. Card ending in 7113 is already replaced. Card in Possession and PIN Memorized. Card Absent transaction. Re-presentment received on 01/19/2023 with VROL 2311790154. Name, Address and Email address did not matched the details of the CH in Morty. However, Can't proceed on the filling Pre-arb due to timeframe expired. Therefore, ERROR FOUND. Provisional credit issued dated 01/17/2023 amounting to $60.90 is now final. Case Closed.

Lean Case ID 30146834. Dispute ID 55d969e0-3073-4d10-b69f-55a96f91c367. CH claimed 1 Merchandise/Services Not Received from SP FASHIONNOVA.COM for $151.21 settled on12/29/2022. ICC date: 01/02/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/13/2023 with VROL 2311842327. Address shown in Documents did not matched the CH address in Morty. Pre-arb initiated on 02/20/2023. Merchant has 30 days to respond. Case ongoing.

Erratum: Lean Case ID 30170940. Dispute ID d1e0367d-5ba4-4c5d-b1c4-2924b82d596d. CH claimed 1 Cash Not Dispense from CHASE HEADLAND GREENBR ATLANTA GAUS for $500.00 settled on 02/17/2023. ICC date 02/24/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION As per client advise claim is approved to Deny the claim due to "Upon checking the transaction in Visa, it shows that it is not an automated cash disbursement but instead a manual cash disbursement through a POS device." Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

No sufficient denial reason. CB with ROL Case #5246328097 initiated on 03/06/2023. Merchant has 45 days to respond. Case ongoing.

ERRATUM: Lean Case ID 30174150. Dispute ID 7c3df66e-2494-4040-8705-0812051435eb. CH claimed 1 Cash Not Received from 440 Country Club Dr Stockbridge GAUS for $503.50 settled on 02/28/2023. ICC date 02/28/2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/06/2023. No claim cancellation and No merchant credit received. INVESTIGATION Per checking, Ch has no other dispute. No sign of Reg E player as of the moment. Escalated to client for PC issuance and pursuing chargeback. No sufficient denial reason. CB with ROL Case #5246328097 initiated on 03/06/2023. Merchant has 45 days to respond. Case ongoing.

**Escalated to Current Team for the outcome of the claim.

** As per client advised, claim is approved to issuing PC and filling CB.

Lean Case ID 30156340. Dispute ID 96b92677-4c71-4029-bb05-ef11489ecc8c. CH claimed 6 Charged Incorrect Amount from CASH APP*CHANCELLOR for $2,258.95 settled between 11/06/2022 - 11/09/2022. ICC date 01/24/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

30164384 30165595 30169067

Lean Case ID 30161690. Dispute ID 4a3abd1b-e828-4c59-9fdc-a572f1399fa5. CH claimed 2 Merchandise/Services Not as Described from SQ *2 BRO?S AUTOMOTIVE gosq.com for $3,000.00 settled between 11/18/2022 - 11/20/2022. ICC date 02/03/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30174191 CUID: JxuCqPBANmpTtqwr3nmvspF8mrGcEnNZ Dispute ID: 3e292344-c52e-483e-9e90-cb8c15847749 Amount: $4,190.54 Dispute Type: Merchandise/Services Not As Described. Reason: Denial Approval

Notes: Lean Case ID 30174191. Dispute ID 3e292344-c52e-483e-9e90-cb8c15847749. CH claimed 1 Merchandise/Services Not As Described from AVIS RENT-A-CAR EL CAJON CAUS for $4,190.54 settled on 03/01/2023. ICC date 03/02/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +16194010732. Merchant did not participate to validate the disputed transaction. However, Per checking CH has 6 (3 disputes filed within 90 days) disputes filed. I also noticed that the CH utilized the PVC issued and transferred the PC to the CH wallet. Sign of the disputed abuser and a Reg E player. Case is not eligible for PC due to Non Reg E claim. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30174310 CUID: CqHJRiEwhtBsjgFUboBazpWPUyufVNWh Dispute ID: 67f03723-646e-472c-920a-fab0b56840e5 Amount: $1,607.97 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30174310. Dispute ID 67f03723-646e-472c-920a-fab0b56840e5. CH claimed 3 UT from WAL-MART for $1,607.97 settled on 03/02/2023. ICC date 02/03/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 9246 and 9431 is already replaced and deactivated. Card In possession and PIN Status: Written-Down. Card Present transaction. INVESTIGATION The disputed transaction is an EMV transaction that meets the EMV denial reason. No indication of third-party use or lost then found. No evidence of card separation. Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of her spending capability. Card present transactions happened in the same state. All transactions are within CH’s typical spending activity. No ATO hallmarks within the UT timeline. No fraud alert captured. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30175686 CUID: 5tSLd5GE1j3f5tUCg2PjEIa5dnKQ4CRh Dispute ID: b7259763-f994-41c2-9147-a7e2be64acd3 Amount: $4,321.47 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30175686. Dispute ID b7259763-f994-41c2-9147-a7e2be64acd3. CH claimed 7 UT from Multiple Merchants for $4,321.47 settled between 12/09/2022 - 02/24/2023. ICC date 03/05/2023. Reg E claim. Old Account. PTF - PVC Ineligible. No claim cancellation and No merchant credit received. Card ending in 8472, 8586, 0043 is already replaced. Card In Possession and PIN Status: Memorized. Card Present transaction. INVESTIGATION The disputed transaction is an EMV transaction that meets the EMV denial reason. No indication of third-party use or lost then found. CH has been transacting with the disputed merchant since 11/25/2022 until the disputed transaction is considered as a spending pattern. With previous and succeeding transactions from the same merchant that were not disputed. All transactions are within CH’s typical spending activity. No ATO hallmarks. No fraud alert. Also per checking other transactions were tokenized, the last 4 digits of the phone number in TLCM matched on the CH phone number in Morty. And CH also utilized the PVC issued to her account. (Withdrawing the fund via ATM Withdrawal).

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30172638 CUID: OxNDFmHmkkyVoxZGHnWetmrrintANYKw Dispute ID: 0442831e-9a6a-4349-a8d9-0d6d8906ab2d Amount: $503.50 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30172638. Dispute ID 0442831e-9a6a-4349-a8d9-0d6d8906ab2d. CH claimed 1 UT from 230 W 7TH ST HANFORD CAUS for $503.50 settled on 02/28/2023. ICC date 02/28/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 3759 is already replaced. Card In Possession and PIN Status: Memorized. Card Present transaction. INVESTIGATION The disputed transaction is an EMV transaction that meets the EMV denial reason. No indication of third-party use or lost then found. Card present transaction happened within CH's vicinity. (8 minutes). All transactions are within CH’s typical spending activity. No suspicious declined transactions. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30173181 CUID: fcYApJQcYkJsUUmuRLciGhFKQRQKfPqu Dispute ID: 283a0923-64c7-4c52-a388-cc32fc10697b Amount: $1,200.00 Dispute Type: CND Reason: Denial Approval

Notes: Lean Case ID 30173181. Dispute ID 283a0923-64c7-4c52-a388-cc32fc10697b. CH claimed 3 No Cash Received from Multiple Merchants for $1,200.00 settled between 02/24/2023 - 02/27/2023. ICC date 02/28/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. INVESTIGATION Upon checking the Account of the CH is New (1st funding was on 02/23/2023). Per review of account activity indicates a consistent pattern of use, every time CH loaded funds to the account CH normally does cash out (ATM withdrawal) transactions-behavioral pattern. Possible Reg-E player.

Hi Team,

We are considering pursuing chargeback on the claim listed below.

Case ID: 30175361 CUID: OvWSmFHlCxhcqMAPrJQtqfQqL06nTy19 Dispute ID: 493a508a-ff37-41fb-9d98-29655fa2c089 Amount: $1,859.84 Dispute Type: Merchandise/Service Not Received ROL Case (if applicable): n/a Reason: pursuing chargeback

Notes: Lean Case ID 30175361. Dispute ID 493a508a-ff37-41fb-9d98-29655fa2c089. CH claimed 9 Merchandise/Services Not Received from AMZN Mktp US* for $1,859.84 settled between 02/24/2023 - 02/28/2023. ICC date 03/04/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** No MCO initiated as the merchant AMZN Mktp US is part of the approved DNC list. Case is not eligible for PC due to Non Reg E claim. Escalated to Current Team for the outcome of the claim. Escalated to Current Team for pursuing chargeback.

Hi Team,

We are considering write-off on the claim listed below.

Case ID: 30176074 CUID: Zeaf7TI9IW1xYT3X73vT1S3qfmEAPHix Dispute ID: efd9ed6e-deeb-4b4f-9fba-6654df5da11d Amount: $532.92 Dispute Type: UT ROL Case (if applicable): n/a Reason: Write-Off Approval

Notes: Lean Case ID 30176074. Dispute ID efd9ed6e-deeb-4b4f-9fba-6654df5da11d. CH claimed 14 UT from AM TJ DUREN CAKJAKBAR JAKARTA FB ID and KUM&GO 0674 CO SPRIN CO SPRINGS COUS for $532.92 settled on 02/17/2023. ICC date 02/17/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 2523 is already replaced. Card In Possession and PIN Status: Memorized. Card Present transaction. ** INVESTIGATION ** The transaction is not EMV. No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. ATO changes captured within the UT timeline. No MCO initiated for merchant AM TJ DUREN CAKJAKBAR JAKARTA FB ID due to Merchant outside the US. MCO initiated for merchant KUM&GO - +17193628082 - Unsuccessful - merchant did not participate to validate the disputed transaction. No sufficient denial reason. No Cb rights due to Moto: blank, Entry mode: 90 & 07. Escalated to Current Team for the outcome of the claim.

Note: This is PC due today.

Lean Case ID 30168936. Dispute ID 6043db28-9ac4-4dae-9df5-8c200a630932. CH claimed 9 UT from PLAYSTATION NETWORK 800-345-7669 CAUS for $394.23 settled on Feb 20, 2023. ICC date Feb 20, 2023. Reg E claim. Old Account. Requested for PVC issuance on 03/06/2023. No claim cancellation and No merchant credit received. Card ending in 9766 is already replaced. Card ia in possession and PIN is memorized. Card Absent transaction.INVESTIGATION In the verbatim, it was not mentioned how old was his son. Additional information sent "How Old is your son?" On 2/24/2023. Case On going.

Lean Case ID 30174191. Dispute ID 3e292344-c52e-483e-9e90-cb8c15847749. CH claimed 1 Merchandise/Services Not As Described from AVIS RENT-A-CAR EL CAJON CAUS for $4,190.54 settled on 03/01/2023. ICC date 03/02/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +16194010732. Merchant did not participate to validate the disputed transaction. However, Per checking CH has 6 (3 disputes filed within 90 days) disputes filed. I also noticed that the CH utilized the PVC issued and transferred the PC to the CH wallet. Sign of the disputed abuser and a Reg E player. Case is not eligible for PC due to Non Reg E claim. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID 30141884. Dispute ID 0abe21d1-8cb3-4e2d-839b-95f7fd814fe0. CH claimed 2 UT from GOOGLE *Valentyna Kova for $74.98 settled on 12/23/2022. ICC date 12/23/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/04/2023. No claim cancellation and No merchant credit received. Card ending in 7796 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 01/06/2023 with VROL 2304962158, 2304962159. Matched the Last 4 digits of the card used for the transaction, Amount , Date of the transaction. Name and the Email address of the CH. Therefore, No Error Found. PVC scheduled for reversal on 5th business days. Case Closed.

Lean Case ID 30142195. Dispute ID 432b7734-71ec-4051-88e0-51a1c5ff7ac2. CH claimed 1 UT from DD DOORDASH WINGSTOP for $72.09 settled on 12/20/2022. ICC date 12/23/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/04/2023. No claim cancellation and No merchant credit received. Card ending in 2952 is already replaced. Card was stolen and PIN Status: Memorized. Card Absent transaction. Pre-arb requested on 02/03/2023 with ROL#2305038645. Pre-Arb won - Timeframe elapsed. Error found. Provisional credit issued dated 01/04/2023 amounting to $72.09 is now final. Case Closed.

Lean Case ID 30142371. Dispute ID ed8584eb-52aa-484f-aa4a-ea47c6bdad09. CH claimed 1 UT from EVERLANCE PROMO HTTPSEVERLANCCAUS for $60.00 settled on 12/24/2022. ICC date 12/24/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/04/2023. No claim cancellation and No merchant credit received. Card ending in 5840 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Pre-arb requested on 02/03/2023 with ROL#2305263601. Pre-Arb won - Timeframe elapsed. Error found. Provisional credit issued dated 01/04/2023 amounting to $60.00. Case Closed.

Lean Case ID 30142427. Dispute ID 37024277-e33a-4983-b0ff-de2a936d309f. CH claimed 1 UT from CASH APPJUSTICEAD 8774174551 CAUS for $441.00 settled on 12/22/2022. ICC date 12/24/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/04/2023. No claim cancellation and No merchant credit received. Card ending in 1136 is already replaced. Card In Possession and PIN Status: Written-Down. Card Absent transaction. Pre-arb requested on 02/03/2023 with ROL#2305263992. Pre-Arb won - Timeframe elapsed. Error found. Provisional credit issued dated 01/04/2023 amounting to $441.00 is now final. Case Closed.

Lean Case ID 30146812. Dispute ID 4da79b86-7223-4924-8abd-c09e39b89f6d. CH claimed 2 Charged More Than Once from MINUTECLINIC for $70.00 settled between 12/22/2022 - 12/29/2022. ICC date 01/02/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/017/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

Lean Case ID 30153429. Dispute ID aca26153-0d5c-48a5-9896-1618e778df09. CH claimed 1 UT from ABC*PLANET FITNESS for $35.05 settled on 11/25/2022. ICC date 01/17/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/26/2023. No claim cancellation and No merchant credit received. Card ending in 8161 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/10/2023 with VROL #5227286670. Matched the Name, Address, Email address and the Date of Birth. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30169266 CUID: joHnhrCgGmxkeLbXDjgkUODXKQJbmJBK Dispute ID: df82bfe4-3e28-4dfb-9ee9-cf39b6ef1215 Amount: $504.00 Dispute Type: Partial Cash Received Reason: Denial Approval

Lean Case ID 30169266. Dispute ID df82bfe4-3e28-4dfb-9ee9-cf39b6ef1215. CH claimed 1 Partial Cash Received from 10573 ST. CLAIR AV CLEVELAND OHUS for $503.00 settled on 02/19/2023 (Partial Dispensed: 100. Remaining claim amount: $403.00). ICC date 02/21/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Per checking the CH has a previous transaction from the same ATM Machine that is not disputed. The transactions are within CH’s typical spending activity. Escalated to Current Team for the outcome of the claim.

Note that this is PC due today.

Lean Case ID 30154701. Dispute ID 994572ec-3eac-4d50-8671-2f62f80c91fc. CH claimed 1 UT from WWW.LEAPEASY.COM for $340.91 settled on 11/17/2022. ICC date 01/20/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/27/2023. No claim cancellation and No merchant credit received. Card ending in 9955 is already replaced. Card was stolen and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 01/28/2023 with VROL 5227883745. Matched the Name, Phone number, Email address and the Date of Birth. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Lean Case ID 30156423. Dispute ID 46b6a398-4dd6-47fe-8990-e73b74ceba75. CH claimed 1 Merchandise/Services Not As Described from NAILS ART CICERO ILUS for $215.00 settled on 01/20/2023. ICC date 01/24/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/19/2023 with VROL 5229956671. Merchant was provide a Copy of receipt showing that the transaction is Card present. Also as per documents "Customer agreed on the services with signature on receipt. If Costumer are unhappy with the product, we will fix it with no charge.". Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID 30156576. Dispute ID 02d49110-fb40-44f0-b1ff-02e76aff4c0b. CH claimed Cancellation from APPLE.COM/BILL for $59.99 settled on 01/23/2023. ICC date 01/24/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/01/2023. No claim cancellation and No merchant credit received. ** INVESTIGATION ** No MCO initiated as the merchant APPLE.COM/BILL is part of the approved DNC list. No sufficient denial reason. CB with ROL case #5230061098 initiated on 03/07/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30156733. Dispute ID 9d6e4409-d1c3-4713-8218-3fd8e89b8984. CH claimed 2 Charged Incorrect Amount from HOLIDAY INN EXPRESS COLCOLUMBIA TNUS and UBER TRIP for $222.08 settled on 01/14/2023. ICC date 01/24/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/07/2023. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO for merchant HOLIDAY INN EXPRESS via phone number +19313802025. Routed to IVR. No MCO initiated as the merchant UBER TRIP is part of the approved DNC list. No sufficient denial reason. CB with ROL case #5247186786 initiated on 03/07/2023. Merchant has 30 days to respond. No CB file for the Case ID: 30156734 as the claim amount is below CB threshold. Case ongoing.

Lean Case ID 30156773. Dispute ID 6240d66f-8185-4d29-953a-c5a7e6b43171. CH claimed 1 UT from CLKBANK*End of Trial for $47.00 settled on 01/06/2023. ICC date 01/24/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/01/2023. No claim cancellation and No merchant credit received. Card ending in 4503 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/06/2023 with VROL 5230200037. The documents shows no compelling evidence (Only the Name and Zip code matched). Pre-arb initiated on 03/07/2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID 30156826. Dispute ID be19bc45-e669-47cf-b6bf-b12875b5fced. CH claimed 1 Merchandise/Services Not Received from CASH APP*JOHNSTON F for $100.00 settled on 01/13/2023. ICC date: 01/25/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/08/2023 with VROL 5230200410. Matched the Phone number of the CH. Also as per merchant's Terms of Service (https://cash.app/legal/ph/en-us/tos), "17. Third Party Products. All third party products included or sold with the Services are provided solely according to the warranty and other terms specified by such third party, who is solely responsible for service and support for its product. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Hi Team, We are considering denying the High Dollar claim listed below. Case ID: 30172828 CUID: sFMH9Yn0vLKBNmyvJoZIA6RzpVN9E4uZ Dispute ID: 3e357d66-c6eb-4d8d-86ba-5b7fc99526fb Amount: $1,550.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval Notes: Lean Case ID 30172828. Dispute ID 3e357d66-c6eb-4d8d-86ba-5b7fc99526fb. CH claimed 6 UT from CASH APP*MODIST for $1,550.00 settled on 02/28/2023. ICC date 02/28/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 6539 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. *INVESTIGATION No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. Without 3rd party access. No MCO initiated as the merchant CASH APP is part of the approved DNC list. However as per Cash App Secure. (https://cash.app/help/ph/en-us/3127-keeping-your-cash-app-secure) One of the features of the app is that payment/transfer requires a passcode, Touch ID or a Face ID. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30174806 CUID: EvRronHCGdTsNluLRfmygkKNBJMdehzp Dispute ID: 2e5995c1-5cf1-4380-aec4-59b0af7fd20e Amount: $1,500.00 Dispute Type: No Cash Receipt Reason: Denial Approval

Notes: Lean Case ID 30174806. Dispute ID 2e5995c1-5cf1-4380-aec4-59b0af7fd20e. CH claimed 4 No Cash Receipts from Multiple Merchants for $1,500.00 settled between 02/25/2023 - 03/03/2023. ICC date 03/03/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. INVESTIGATION Upon checking the Account of the CH is New (1st funding was on 02/25/2023). Per review of account activity indicates a consistent pattern of use, every time CH loaded funds to the account CH normally does cash out (ATM withdrawal) transactions-behavioral pattern. Possible Reg-E player. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30176111 CUID: cUrYbvjCpKIJsSdkDaCvwXDFLomvIIVO Dispute ID: uuualFizytijk-dgEDfppdCBFmi-fBooFynbpknrp-piEhCisutdden Amount: $2,000.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30176111. Dispute ID 3eb71587-5c84-4be6-a66e-b3fc616af664. CH claimed 1 UT from BEASLEYS AUTO SALES INCLUMBERTON NCUS for $2,000.00 settled on 03/03/2023. ICC date 03/06/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4787 is already replaced. Card In Possession and PIN Status: Memorized. Card Present transaction. INVESTIGATION Transaction is not EMV. No funding activity. No cash in/out. No spending nor behavioral pattern observed. With suspicious declined transactions from the same merchant. Without 3rd party access. Unsuccessful MCO via phone number +19107376111, Merchant did not participate to validate the disputed transaction. No CB rights due to Moto: Blank, Entry Mode: 05. However, Per checking Card present transactions happened within CH's vicinity. (11 minutes). With previous transaction on the disputed merchant that is not disputed. No ATO hallmarks/PII changes within the UT timeline. Also CH mentioned that the card is in possession and the Pin is memorized. Escalated to Current Team for the outcome of the claim.

This suggests that CH knows the balance, anticipated the transaction, and is aware of her spending capability.

KROGER #4 4777 KENARD CINCINNATI OH KROGER #4 4777 KENARD CINCINNATI OHUS

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30176878 CUID: rwJjB7ysNuzzJu55RR9NP0ZNbYmXTKZC Dispute ID: 7bbf8fb5-5eb2-4b05-ba22-ff4337342162 Amount: $1,964.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30176878. Dispute ID 7bbf8fb5-5eb2-4b05-ba22-ff4337342162. CH claimed 4 UT from KROGER #4 4777 KENARD for $1,964.00 settled on 02/22/2023. ICC date 03/07/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4006 is already replaced. Card was lost and PIN Status: Written-Down. Card Present. INVESTIGATION CH mentioned that the card was lost, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction (clzqFxrnzuqlh-uawjlkzuyCoea-CmxxnorfwCAre-bkxACCkvDdqik). This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within CH's vicinity. (7 minutes). With a previous transaction from the disputed merchant. No ATO Hallmarks within UT timeline. Also per checking CH got a huge amount of funding (via TUID: BuUz-AdGV-whEn-C1DO) prior to the disputed transaction. This suggests that CH knows the balance, anticipated the transaction, and is aware of her spending capability. After the disputed transaction, CH exhausted the remaining balance via Outgoing P2P. Escalated to Current team for the outcome of the claim.

30154714 - 5226318559 - Accepted - 49.99 30154716 - 5226318560 - Accepted - 49.99 30154717 - 5226318561 - Accepted - 49.99 30154722 - 5226318562 - Accepted - 49.99 30154723 - 5226318563 - Accepted - 49.99 30154731 - 5226318570 - Accepted - 49.99

5226318559, 5226318560, 5226318561, 5226318562, 5226318563, 5226318570

30154724 5226318564 - Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH. 49.99 30154726 - 5226318565 - Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH. 49.99 30154728 - 5226318566 - Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH. 49.99 30154729 - 5226318567 - Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH. 49.99 30154730 - 5226318568 - Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH. 49.99 30154732 - 5226318569 - Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH. 49.99

5226318564, 5226318565, 5226318566, 5226318567, 5226318568, 5226318569

299.94

Lean Case ID 30154711. Dispute ID bf3dea31-9a90-49f8-b26f-ef164edda520. CH claimed 23 UT from YSI-PULSZ.COM and pulsz.com for $869.77 settled on 01/13/2023. ICC date 01/17/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/25/2023. No claim cancellation and No merchant credit received. Card ending in 5368 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 01/25/2023 with ROL#5226318559, 5226318560, 5226318561, 5226318562, 5226318563, 5226318570. Chargeback won - Acquirer Accepted the full liability. Error found. Provisional credit issued dated 01/25/2023 amounting to $569.83‬ is now final. Case Closed.

Lean Case ID 30154711. Dispute ID bf3dea31-9a90-49f8-b26f-ef164edda520. CH claimed 23 UT from YSI-PULSZ.COM and pulsz.com for299.94 settled on 01/13/2023. ICC date 01/17/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/25/2023. No claim cancellation and No merchant credit received. Card ending in 5368 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/06/2023 with VROL 5226318564, 5226318565, 5226318566, 5226318567, 5226318568, 5226318569. Matched the Name and Date of Birth, Also merchant was able to provide the ID of the CH.. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

**Split case from 30154711

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30175320 CUID: Dcq01fQrNYWxupAdgpLrBbRKlg50TPa8 Dispute ID: 9d0712c4-7364-459a-a258-5bec7e1ba7ab Amount: $503.50 Dispute Type: No Cash Received Reason: Denial Approval

Notes: Lean Case ID 30175320. Dispute ID 9d0712c4-7364-459a-a258-5bec7e1ba7ab. CH claimed 1 No Cash Receipt from 17733 W WARREN AVE DETROIT MIUS for $503.50 settled on 03/02/2023. ICC date 03/04/2023. Reg E claim. Old Account.. No claim cancellation and No merchant credit received. INVESTIGATION Per checking CH filed 3 disputed claim (No Cash Receipt) within 90 days. Also CH utilized the PVC issued on her account. After getting the PVC, CH transferred/withdraw the PVC via P2P and ATM withdrawal. Possible Reg-E player and dispute abuser. Escalated to Current Team for the outcome of the claim.

Lean Case ID 30156880. Dispute ID 938c1684-b86f-4a70-b939-6cc6093d41ba. CH claimed 1 Merchandise/Services Not As Described from 99 CENTS ONLY ST 3258 LLAS VEGAS NVUS for 47.50 settled on 01/20/2023. ICC date 01/25/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Investigation found: Initiated MCO via phone number +17024561132. Merchant did not participate to validate the disputed transaction. No sufficient denial reason. CB with ROL case #5230216938 initiated on 03/08/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30156968. Dispute ID 4eec1378-f2af-4e67-a9fd-093a07036bd7. CH claimed 1 UT from Amazon Prime*AV6QJ7V13 Amzn.com/billWAUS for $150.82 settled on 01/24/2023. ICC date 01/25/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/01/2023. No claim cancellation and No merchant credit received. Card ending in 4213 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 0201/2023 with ROL#5230228704. Chargeback won Acquirer accepted the full liability. Error found. Provisional credit issued dated 02/01/2023 amounting to $150.82 is now final. Case Closed.

Lean Case ID 30157104. Dispute ID 346198a0-a330-4a9b-bb12-adcd5522c5c7. CH claimed 1 Merchandise Returned from 1474 W. RAMSEY STREET for $62.75 settled on 12/20/2021. ICC date 01/25/2023. Non Reg E. Old Account. PTF claim. No claim cancellation and No merchant credit received. INVESTIGATION As per client advised, Claim is approved for denial. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID 30157237. Dispute ID 0a93b79c-260f-4ee3-ad39-f3bc627d4918. CH claimed 1 UT from MUC-PV.COM for $49.95 settled on 01/25/2023. ICC date 01/25/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. Card ending in 0614 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 02/02/2023 with ROL#5230551054. Chargeback won - Acquirer accepted the full liability. Error found. Provisional credit issued dated 02/02/2023 amounting to $49.95 is now final. Case Closed.

Lean Case ID 30157266. Dispute ID 284cdc86-1a14-48c7-b2ba-2355302f5193. CH claimed 1 Merchandise/Services Not Received from TWINKLE BOUTIQUE SHOP for $39.93 settled on 11/17/2022. ICC date 01/26/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/02/223 with ROL#5230551315. Chargeback won - Consumer Dispute - Response Timeframe Expired - 100% Acq Liability. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

**Split Case from 30157265

Lean Case ID 30157265. Dispute ID 284cdc86-1a14-48c7-b2ba-2355302f5193. CH claimed 1 Merchandise/Services Not Received from TWINKLE BOUTIQUE SHOP for $4.99 settled on 11/17/2022. ICC date 01/26/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No CB file for this claim as the claim amount is below CB threshold. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID 30157282. Dispute ID 41f63561-5a0a-479e-8acd-e2c44b666734. CH claimed 1 UT from Experian* Credit Report479-3436237 CAUS for $26.49 settled on 01/25/2023. ICC date 01/26/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. Card ending in 6071 is already replaced. Card was stolen and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 02/02/2023 with ROL#5230551455. Chargeback won - Fraud Dispute - Pre-Arb Timeframe Expired. Error found. Provisional credit issued dated 02/02/2023 amounting to $26.49 is now final. Case Closed.

Lean Case ID 30157325. Dispute ID d6d56207-5c71-40ee-85d9-84b5ed316cad. CH claimed 1 UT from PAYPAL *akfrank1 Visa Direct CAUS for $190.51 settled on 12/25/2022. ICC date 01/26/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. Card ending in 8140 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 02/02/2023 with ROL#5230565322. Chargeback won - Acquirer Accepted the full Liability:. Error found. Provisional credit issued dated 02/02/2023 amounting to $190.51 is now final. Case Closed.

Lean Case ID 30142778. Dispute ID ae6bf6ab-6fba-4a20-a77f-1eb3c4767cce. CH claimed 1 Merchandise/Services Not Received from WALMART.COM for $148.13 settled on 12/21/2022. ICC date 12/25/2022. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Pre-arb requested on 02/07/2023 with ROL#2305724332. Pre-Arb won - Accepted Full by Acq. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30142902. Dispute ID 4ea94bcc-d493-442b-9d9d-8d23d705a7f6. CH claimed 1 UT from UBER TRIP HELP.UBER.COMCAUS for $30.06 settled on 12/06/2022. ICC date 12/26/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/05/2023. No claim cancellation and No merchant credit received. Card ending in 4078 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Pre-arb requested on 02/07/2023 with ROL#2305799571. Pre-Arb won - Timeframe elapsed. Error found. Provisional credit issued dated 01/05/2023 amounting to $30.06 is now final. Case Closed.

Lean Case ID 30143029. Dispute ID d5190e18-d607-43a9-9a5d-94c1ff6f8bb5. CH claimed 1 UT from DD DOORDASH ATLDELI for $35.22 settled on 12/26/2022. ICC date 12/26/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/05/2023. No claim cancellation and No merchant credit received. Card ending in 9178 is already replaced. Card was lost and PIN Status: Written-Down Card Absent transaction. Pre-arb requested on 02/07/2023 with ROL#2305875243. Pre-Arb won - Timeframe elapsed. Error found. Provisional credit issued dated 01/05/2023 amounting to $35.22 is now final. Case Closed.

Lean Case ID 30157351. Dispute ID 4d9a7221-37b0-4ce5-a332-9f7c3676cd0c. CH claimed 1 Merchandise/Services Not Received from CASH APP*CERTIFIED for $50.00 settled on 01/14/2023. ICC date: 01/26/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/10/2023 with VROL 5230565463. As per documents CH fully authorized payment at time of transfer. CH fully authed pmt and rcvd goods/services in full. if the CH continues to dispute trns. Pls have CH contact recipient directly at the phone number of the recipient or in the email address. Also As per merchant's Terms of Service (https://cash.app/legal/ph/en-us/tos), "17. Third Party Products. All third party products included or sold with the Services are provided solely according to the warranty and other terms specified by such third party, who is solely responsible for service and support for its product. For service, support, or warranty assistance, you should contact the manufacturer directly. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID 30157372. Dispute ID 95e3b77a-70bb-4aaf-a1f3-d77bc1d60bf8. CH claimed 1 Merchandise/Services Not Received from TITUSVILLE TITUSVILLE FLUS for $31.00 settled on 01/20/2023. ICC date 01/26/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/02/2023 with ROL#5230611173. Chargeback won - Timeframe Expired - 100% Acq Liability. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30157373. Dispute ID 95e3b77a-70bb-4aaf-a1f3-d77bc1d60bf8. CH claimed 1 Merchandise/Services Not Received from TITUSVILLE TITUSVILLE FLUS for $5.07 settled on 01/20/2023. ICC date 01/26/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via phone number +13213830311. Routed to IVR. Unable to validate the disputed transaction. No CB file due the claim amount is below CB threshold. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

**Split Case from 30157372.

Lean Case ID 30157403. Dispute ID 94254469-421c-4e17-9aab-91744f642c2b. CH claimed 1 Merchandise/Services Not Received from THE SHAKE * THE SHAKE WWW.THESHAKESPAUS for $43.62 settled on 01/25/2023. ICC date 01/26/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/02/2023 with ROL#5230611424. Chargeback won - Accepted Full by Acquirer. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30157687. Dispute ID 5ab6bae2-d485-4b38-bcc6-d0abd5d1bc5d. CH claimed 1 Partial Cash Received from 5201 N KEYSTONE AVE INDIANAPOLIS INUS for $300.00 settled on 01/25/2023. ICC date 01/26/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. Chargeback requested on 02/02/2023 with ROL#5230666850. Chargeback still ongoing, However, claim is (near) on Reso due. For post monitoring. Days to act 17 days: Sun, 03/26/23. Error found. Provisional credit issued dated 02/02/2023 amounting to $300.00 is now final. Case Closed.

Lean Case ID 30157739. Dispute ID ff01155f-0dc3-4a2a-8140-2802e386e227. CH claimed 1 UT from ESURANCE CAR INSURANCE for $141.69 settled on 12/24/2022. ICC date 01/26/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. Card ending in 7297 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 02/02/2023 with ROL#5230681976. Chargeback won - Acquirer accepted the full liability. Error found. Provisional credit issued dated 02/02/2023 amounting to $141.69 is now final. Case Closed.

Lean Case ID 30157781. Dispute ID ebcf8aa4-088d-481d-aa5f-998ef2c257f4. CH claimed 1 Charged Incorrect Amount from LOVE'S #696 BEAUMONT TXUS for $30.55 settled on 01/26/2023. ICC date 01/26/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback

Lean Case ID 30157791. Dispute ID 57b0a198-8d7c-4173-b34c-22f591b410f5. CH claimed 1 UT from PAYPAL *LindaLouMoss199Visa Direct CAUS for $180.38 settled on 01/25/2023. ICC date 01/26/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/02/2023. No claim cancellation and No merchant credit received. Card ending in 2547 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/17/2023 with VROL 5230817436. The documents shows no compelling evidence. The details did not matched the data of CH in Morty. Pre-arb initiated on 03/09/2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID 30157816. Dispute ID c635fd00-2032-4761-8c55-3c8087a67b3d. CH claimed 1 Merchandise/Services Not Received from CASH APP*R M 877-417-4551 NJUS for $133.00 settled on 01/26/2023. ICC date: 01/26/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/10/2023 with VROL 5230709906. Merchant was able to provide a copy of receipt showing that the transaction was successful, As per merchant's Terms of Service (https://cash.app/legal/ph/en-us/tos), "17. Third Party Products. All third party products included or sold with the Services are provided solely according to the warranty and other terms specified by such third party, who is solely responsible for service and support for its product. For service, support, or warranty assistance, you should contact the manufacturer directly. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30177197 CUID: TD4G1MWCmYkOzI1AtkTySe3uP8pGSNZl Dispute ID: 6ddb2d53-c507-4107-a74c-2b010a568b70 Amount: $2,055.77 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30177197. Dispute ID 6ddb2d53-c507-4107-a74c-2b010a568b70. CH claimed 7 UT from Multiple Merchants for $2,055.77 settled between 02/23/2023 - 02/27/2023. ICC date 03/08/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 2469 and 7163 is already replaced. Card was stolen and PIN Status: Memorized. Card Present and Absent transaction. INVESTIGATION CH mentioned that the card was stolen, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction (unplhnoovstod-csmcFgrdhbmuc-qsvupihgpCghd-muudjCkhbeiA). This suggests that the card is in possession contrary to the statement provided. With succeeded transaction from the disputed merchant. Card present transaction happened within CH's vicinity. (16 minutes). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Also as per CH card was stolen, however there are some transactions that are not disputed. FR done with VROL#5248425023, 5248425025, 5248425027, 5248425083, 5248425118, 5248425119, 5248425120. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

5248434071, 5248434072, 5248434073, 5248434074, 5248434146, 5248434141,5248434143, 5248434144, 5248434145

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30177667 CUID: HkfVbyFuQQMiJccUvuJHaALbSwSjEUpH Dispute ID: da82a13b-1db2-4e39-a89d-70b2d6cccc9c Amount: $1,590.68 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30177667. Dispute ID da82a13b-1db2-4e39-a89d-70b2d6cccc9c. CH claimed 9 UT from Multiple Merchants for $1,590.68 settled between 02/28/2023 - 03/04/2023. ICC date 03/09/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. Card ending in 1664 is already replaced. Card was lost and PIN Status: Memorized. Card Present transaction. INVESTIGATION CH mentioned that the card was lost, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction (akjEzuepiBtwc-qexyftkialyDg-EijzfkAbDthkh-rrAlBmuvvkEko). This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within CH's vicinity. (6 minutes). All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. Also upon checking CH got a huge amount of funding via TUID: rDhP-jccV-Jp9E-sAIL. As per CH card was lost, however there are some transactions that are not disputed. Escalated to Current team for the outcome of the claim.

Lean Case ID 30157970. Dispute ID b9ac599e-07e8-4477-942b-daaed1ae7395. CH claimed 1 Charged More Than Once from LIFE UNIVERSITY INC 770-4262819 GAUS for $542.86 settled on 10/15/2022. ICC date 01/27/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. Chargeback requested on 02/03/2023 with ROL#5231224479. Chargeback won - Timeframe Expired - 100% Acq Liability. Error found. Provisional credit issued dated 02/03/2023 amounting to $542.86 is now final. Case Closed.

Lean Case ID 30158031. Dispute ID a5d410ab-abb7-4808-bb37-63dbe839743d. CH claimed 5 UT from CASH APP*TYLER COAX 8774174551 CAUS for $285.45 settled between 01/04/2023 - 01/25/2023. ICC date 01/27/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. Card ending in 8163 and 4671 is already replaced. Card was stolen and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 02/03/2023 with ROL#. Chargeback won/Pre-Arb won . Error found. Provisional credit issued dated mm/dd/yyyy amounting to $xx.xx is now final (if applicable). Case Closed.

Lean Case ID 30158031. Dispute ID a5d410ab-abb7-4808-bb37-63dbe839743d. CH claimed 5 UT from CASH APP*TYLER COAX 8774174551 CAUS for $285.45 settled between 01/04/2023 - 01/25/2023. ICC date 01/27/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. Card ending in 8163 and 4671 is already replaced. Card was stolen and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/09/2023 and 02/10/2023 with VROL 5231250141, 5231250180, 5231250301, 5231250347. Matched the Name. Phone number and the email address of the CH. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Lean Case ID 30162094. Dispute ID a364f30d-af88-4460-bf38-62aaa01faee8. CH claimed 5 UT from COINBASE, INC. 8325639309 CAUS for $2,397.00 settled on 02/02/2023 - 02/03/2023. ICC date 02/04/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/17/2023. No claim cancellation and No merchant credit received. Card ending in 3857 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Chargeback requested on 02/10/2023with ROL#5235139017, 5235139018, 5235139019, 5235139020 and 5235139021. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/17/2023 amounting to $2,397.00 is now final. Case Closed.

Lean Case ID 30176728. Dispute ID 9b760fbe-8287-4591-a6a0-9973c3cdc9ac. CH claimed 1 Merchandise/Services Not as Described from CASH APP*ARIEL BROW for $1,500.00 settled on 03/19/2022. ICC date 03/07/2023. Non Reg E. Old Account. PTF claim - No CB rights. No claim cancellation and No merchant credit received. INVESTIGATION As per merchant's Terms of Service (https://cash.app/legal/ph/en-us/tos), "17. Third Party Products. All third party products included or sold with the Services are provided solely according to the warranty and other terms specified by such third party, who is solely responsible for service and support for its product. For service, support, or warranty assistance, you should contact the manufacturer directly. SQUARE MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH THIRD PARTY PRODUCTS, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR CONDITION OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE." This indicates that Cash App are not liable for any goods/services purchased from third party. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Hi Team,

Good day!

We are considering denying the High Dollar claim listed below.

Case ID: 30176728 CUID: GrmeyfnNUaNsVCcJgoXfgWBxjDysLgKO Dispute ID: 9b760fbe-8287-4591-a6a0-9973c3cdc9ac Amount: $1,500.00 Dispute Type: Merchandise/Services Not as Described. Reason: Denial Approval

Notes: Lean Case ID 30176728. Dispute ID 9b760fbe-8287-4591-a6a0-9973c3cdc9ac. CH claimed 1 Merchandise/Services Not as Described from CASH APP*ARIEL BROW for $1,500.00 settled on 03/19/2022. ICC date 03/07/2023. Non Reg E. Old Account. PTF claim - No CB rights. No claim cancellation and No merchant credit received. INVESTIGATION As per merchant's Terms of Service (https://cash.app/legal/ph/en-us/tos), "17. Third Party Products. All third party products included or sold with the Services are provided solely according to the warranty and other terms specified by such third party, who is solely responsible for service and support for its product. For service, support, or warranty assistance, you should contact the manufacturer directly. SQUARE MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH THIRD PARTY PRODUCTS, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR CONDITION OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE." This indicates that Cash App are not liable for any goods/services purchased from third party. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30179316 CUID: vpSNbYFVWl2vYIwaVUFmhJmrnIdNBofR Dispute ID:be52cb3a-56ac-4b6a-b708-8e241c46a15a Amount: $2,311.99 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30179316. Dispute ID be52cb3a-56ac-4b6a-b708-8e241c46a15a. CH claimed 8 UT from Multiple Merchants for $2,311.99 settled between 02/25/2023 - 03/03/2023. ICC date 03/12/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 9801 is already replaced. Card was lost and PIN Status: Memorized. Card Absent transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. Cash in/out observed. With previous transactions from the disputed merchant. All transactions are within CH’s typical spending activity. No ATO hallmarks. Upon checking CH, the total dispute filed was 12. Also CH utilized the issued PVC on his account. Sign of Reg-E player. Escalated to Current Team for the outcome of the claim.

Lean Case ID 30138989. Dispute ID 3f25e2d6-da7a-4827-b0bf-edf84273b37d. CH claimed 1 UT from LYFT 2 RIDES for $50.55 settled on 12/16/2022. ICC date 12/17/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/19/2023. No claim cancellation and No merchant credit received. Card ending in 1577 is already deactivated. Card not established and PIN not established. Card Absent transaction. Re-presentment received on 03/01/2023 with VROL 5235777951 . The documents shows no compelling evidence. (Name and email address did not matched). Pre-arb initiated on 03/13/2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID 30142349. Dispute ID b19c569f-8355-4c8a-af99-6e26d0b8dadd. CH claimed 1 Merchandise/Services Not Received from DTLR 096 TALLAHASSEE FLUS for $65.00‬ settled on 12/23/2022. ICC date 12/24/2022. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Pre-arb requested on 02/09/2023 with ROL#2305250219. Pre-Arb won - Accepted Full by Acq. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30142350. Dispute ID b19c569f-8355-4c8a-af99-6e26d0b8dadd. CH claimed 1 UT from Multiple merchants for $284.24‬ settled between 12/03/2022 - 12/23/2022. ICC date: 12/24/2022. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 01/10/2023, 01/12/2023, 01/13/2023, 02/16/2023 with VROL 2305232444, 2305232466, 2305232494, 2305250038. Merchant provided a copy of receipt showing that the transaction was Card present (Face to Face transaction/Over the counter). Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

*Split Case from 30142349

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30177875 CUID: XsXxJwwwZZqlpEcyrVmjaCRaDPGREUgo Dispute ID: 70e6d26a-3a30-43dd-9394-7a2d83bca4de Amount: $669.32 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30177875. Dispute ID 70e6d26a-3a30-43dd-9394-7a2d83bca4de. CH claimed 2 UT from PALACE BINGO-671583 KNOXVILLE ALUS and 1301 Skyland Blvd E Tuscaloosa ALUS for $669.32 settled between 02/11/2023 - 03/08/2023. ICC date 03/09/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 2420 is already replaced. Card was lost and PIN Written-Down. Card Present transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of her spending capability. CH mentioned that the card was lost, meanwhile, there are valid undisputed card present transaction after the authorization of the disputed transaction (qklsjsBrxnebo-FpnikAiDsytFj-BfDEhecvhvxda-ecjxgnimvsbhk). This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within CH's vicinity. (6 minutes). With a previous transaction from the disputed merchant. All transactions are within CH’s typical spending activity. No ATO hallmarks within UT timeline. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: 30179579 CUID: QKqijiuUtECGdWdENkMqrPeYKZOxIcrH Dispute ID: 6c1662e0-07d9-480c-b5ef-83129f289634 Amount: $1,503.50 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30179579. Dispute ID 6c1662e0-07d9-480c-b5ef-83129f289634. CH claimed 1 UT from KROGER #1 7101 E 10TH INDIANAPOLIS INUS for $1,503.50 settled on 02/28/2023. ICC date 03/12/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. Card ending in 0628 is already replaced. Card was lost and PIN Written-Down. Card Present transaction. INVESTIGATION CH mentioned that the card was lost, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction (BfclwDletDgao-kmfdgjoaCcjFc-rrmprbimFeazf-aCkqpalbdkuen). This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within CH's vicinity. (26 minutes). All transactions are within CH’s typical spending activity. No suspicious declined transactions. Escalated to Current Team for the outcome of the claim.

Lean Case ID 30143512. Dispute ID c426af27-9bda-43e2-a0de-0b03b200009c. CH claimed 1 Merchandise/Services Not Received from CASH APP*CORTEZ JOH 8774174551 CAUS for $50.00 settled on 12/21/2022. ICC date 12/27/2022. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Re-presentment received on 01/20/2023 with VROL 2307481282 is uncompelling. Pre-arb initiated on 02/13/2023 - Acquirer Accepted Liability: . Therefore, Error found. Endorse to Current for final credits issuance. Case Closed.

Lean Case ID 30145801. Dispute ID 2c96769a-ed12-477d-80bf-d77f3a140e33. CH claimed 1 UT from ATT* BILL PAYMENT for $449.44 settled on 12/31/2022. ICC date 12/31/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/12/2023. No claim cancellation and No merchant credit received. Card ending in 9363 is already replaced. Card not in possession and PIN: Memorized. Card Absent transaction. Re-presentment received on 01/22/2023 with VROL 2309566730 is uncompelling. Pre-arb initiated on 02/13/2023 - Timeframe expired. Therefore, Error found. Provisional credit issued dated 01/12/2023 amounting to $449.44 is now final. Case Closed.

Lean Case ID 30146422. Dispute ID 4ddcf289-dd18-467d-bcad-0d29dec8e5df. CH claimed 1 Merchandise/Services Not Received from Wal-Mart Store PHILADELPHIA PAUS for $503.74 settled on 12/23/2022. ICC date: 01/01/2023. Non-Reg E Case. Old Account. Requested for PVC Issuance on 01/13/2023. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/25/2023 with VROL 2310110873. Merchant provided a copy of receipt, showing that the transaction is Over the counter/face to face transaction. Therefore, No Error Found. PVC scheduled for reversal on the 5th. business days. Case Closed.

Lean Case ID 30154350. Dispute ID 2c7bd75f-b2ee-44d7-a253-8065a4377bcb. CH claimed 1 UT from $175.00 for ARCO #42458 MESA AZUS settled on 11/23/2022. ICC date 01/19/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/27/2023. No claim cancellation and No merchant credit received. Card ending in 5319 is already replaced. Card Not In Possession and PIN Memorized. Card Present transaction. INVESTIGATION CH mentioned that the card was not in possession, meanwhile, there are multiple valid undisputed card present transaction after the authorization of the disputed transaction (kjpwuyFfCmkjn-BsciEFqnpvofb-AbsqtfCEugksi-EggcFDBsywsDm). This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within the vicinity of the previous valid undisputed card present transaction. (15 minutes). All transactions are within CH’s typical spending activity. No ATO hallmarks within UT timeline. FR done with VROL#5251227873. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

Lean Case ID 30158316. Dispute ID 12909686-8cc4-45a9-bfff-16e0c5776d18. CH claimed 1 Charged Incorrect Amount from dhgate.com dhgate.com GB for $45.83 settled on 01/26/2023. ICC date 01/27/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

Lean Case ID 30158359. Dispute ID 1868a190-b7f0-4e9f-9ba8-f636c027ca7d. CH claimed 1 UT from WM SUPERCENTER #5137 for $43.31 settled on 01/27/2023. ICC date 01/28/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. Card ending in 0298 is already replaced. Card In Possession and PIN Memorized. Card Present transaction. Chargeback requested on 02/03/2023 with ROL#5231420443. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/03/2023 amounting to $43.31 is now final. Case Closed.

Lean Case ID 30158428. Dispute ID 6fa5ad40-0de8-43ec-bb0d-306c90be654e. CH claimed 2 UT from UTDMET.COM and RBESCT.COM for $79.98 settled between 01/19/2023 - 01/27/2023. ICC date 01/28/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/03/2023. No claim cancellation and No merchant credit received. Card ending in 5422 is already replaced. Card In Possession and PIN: Memorized. Card Absent transaction. Chargeback requested on 02/03/2023 with ROL#5231459473, 5231471070. Chargeback won - Acquirer Accepted the full liability. Error found. Provisional credit issued dated 02/03/2023 amounting to $79.98 is now final. Case Closed.

Lean Case ID 30158471. Dispute ID dcd2e0ec-cb2a-4466-8c66-adac10e7597c. CH claimed 1 Merchandise/Service Not Received from PENNY PAWS RICHLAND for $103.00 settled on 01/28/2023. ICC date 01/28/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/06/2023 with ROL#5232300960. Chargeback won - Timeframe expired. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30158518. Dispute ID c2a0e4e3-a44e-436b-acb4-bd4cf40144dc. CH claimed 1 Merchandise/Service Not Received from AB * isabea Internet GB for $25.57 settled on 01/14/2023. ICC date 01/28/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/06/2023 with ROL#5232313255. Chargeback won - Acquirer Accepted the full liability. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30158633. Dispute ID 29be7596-2cf7-49d2-a04c-31dfc82c2961. CH claimed 1 UT from LYFT 2 RIDES for $29.34 settled on 01/27/2023. ICC date 01/28/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/06/2023. No claim cancellation and No merchant credit received. Card ending in 8875 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Re-presentment received on 02/22/2023 with VROL 5232418534. Matched the Name, Email address and the phone number, Also some of the drop location was matched the CH Address. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Lean Case ID 30158957. Dispute ID 511307aa-099d-4dab-aa34-8fc76263be4c. CH claimed 1 UT from 511307aa-099d-4dab-aa34-8fc76263be4c for $35.92 settled on 01/27/2023. ICC date 01/29/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/06/2023. No claim cancellation and No merchant credit received. Card ending in 4152 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Re-presentment received on 02/17/2023 with VROL 5232549703. Matched the Name and the phone number also CH can't create an account if did not accept the terms and conditions of the merchant. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Hi Team,

We are considering denying the High Dollar claim listed below.

Case ID: c CUID: 904mDvroJZJcowVmj69osQs0nIHbRnhC Dispute ID: 096b390b-7757-4182-8c2b-84262c00b099 Amount: $1,500.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Lean Case ID 30179068. Dispute ID 096b390b-7757-4182-8c2b-84262c00b099. CH claimed 1 UT from SQ *JEARON MANGEMEN KATY TXUS for $1,500.00 settled on 03/01/2023. ICC date 03/11/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4350 is already replaced. Card was lost and PIN Written-Down. Card Present transaction. INVESTIGATION CH mentioned that the card was lost, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction (ysxEoDqEdkghd-uheitnpwuwoAh-cokazFbxaAnBg-uExfAyvomwfho). This suggests that the card is in possession contrary to the statement provided. Card present transactions happened within the same state. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Also CH mentioned that the card was lost last 02/27/2023, However, There are several transactions that are not disputed prior to the disputed transaction. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to send an additional information the High Dollar claim listed below.

Case ID: 30180317 CUID: 335fkfbk4A15ZcOwP5fCewKv9HRwRxR3 Dispute ID: d4151870-61a4-40e1-b9d7-58741ec13417 Amount: $1,500.00 Dispute Type: Paid By Other Means Reason: Additional Information

Notes: Lean Case ID 30180317. Dispute ID d4151870-61a4-40e1-b9d7-58741ec13417. CH claimed 1 Paid By Other Means from DAVID K WALTON, DDS, MSFT COLLINS COUS for $1,500.00 settled on 12/30/2022. ICC date 03/14/2023. Reg E claim. Old Account. PTF claim - PVC Ineligible Beyond 60 days from the billing date. No claim cancellation and No merchant credit received. INVESTIGATION Unsuccessful MCO via phone number +19704822210, Merchant did not participate. For Additional information to CH “Please provide a copy of receipt for the Cash payment”. Case ongoing.

Hi Team,

We are considering to write-off the High Dollar claim listed below.

Case ID: 30180599 CUID: kYdnTYmHjGdbbPcabbXnJytLBGhwChed Dispute ID: 81088b25-5a84-4c45-a10e-a07f4ddae445 Amount: $1,800.00 Dispute Type: UT Reason: Write-off

Notes: Lean Case ID 30180599. Dispute ID 81088b25-5a84-4c45-a10e-a07f4ddae445. CH claimed 1 UT from Legend Financial UAB INTERNET LT for $1,800.00 settled on 03/09/2023. ICC date 03/09/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. Card ending in 0417 is already replaced. Card in Possession and PIN Memorized. Card Absent transaction. ** INVESTIGATION ** No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. With fraud risk. No MCO initiated as the merchant is outside the US. No sufficient denial reason. No Cb rights due to Moto: 6, Entry Mode: 00. Escalated to Current team for the outcome of the claim.

Lean Case ID 30180599. Dispute ID 81088b25-5a84-4c45-a10e-a07f4ddae445. CH claimed 1 UT from Legend Financial UAB INTERNET LT for $1,800.00 settled on 03/09/2023. ICC date 03/09/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. Card ending in 0417 is already replaced. Card in Possession and PIN Memorized. Card Absent transaction. ** INVESTIGATION ** Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with his spending capability. (As per client advised, This transaction was funded by a credit/deposit from the same disputed merchant.)No ATO hallmarks/PII changes within the UT timeline. FR done with VROL#5251545719. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

No sufficient denial reason. CB with ROL case #5251847434, 5251847456, 5251857028, 5251857112, 5251857137, 5251857207, 5251857237, 5251857265 initiated on 03/16/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30159116. Dispute ID ebdd58e4-4760-404a-a19c-717138501782. CH claimed 1 Merchandise/Services Not as Described from SPECTACULAR TUBERS LUTCHER LAUS for $30.38 settled on 01/29/2023. ICC date 01/30/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +12252584134. No available representative. No sufficient denial reason. CB with ROL case #5233156329 initiated on 03/16/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30159205. Dispute ID 8b41f61c-2e30-47e7-aa7f-cc38dae5a655. CH claimed 2 from CHECKFREESCO* and PRIVATERECORDS for $79.87‬ settled between 01/14/2023 - 01/18/2023. ICC date 01/30/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/08/2023. No claim cancellation and No merchant credit received. Card ending in 9597 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 02/08/2023 with ROL#5233478416, 5233478417. Chargeback won Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/08/2023 amounting to $79.87‬ is now final. Case Closed.

** Split case from 30159204

Lean Case ID 30159204. Dispute ID 8b41f61c-2e30-47e7-aa7f-cc38dae5a655. CH claimed 2 from CHECKFREESCO* and PRIVATERECORDS for $34.96 settled on 01/17/2023. ICC date 01/30/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/08/2023. No claim cancellation and No merchant credit received. Card ending in 9597 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Re-presentment received on 02/21/2023 with VROL 5233478415. Matched the Name and the Address of the CH, Also merchant was able to provide a tracking number showing that the item is already delivered (2023-01-18 16:36). Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Lean Case ID 30159066. Dispute ID zcI89r1eXw8rWR3cQ9u4meWNYumHrDpZ. CH claimed 1 Cancellation from EXPEDIA for $78.02 settled on 01/28/2023. ICC date 01/29/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/07/2023. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +1 (866) 310-5768. Routed to IVR. CH has no response on the additional info. No sufficient denial reason. CB with ROL case #5251898311 initiated on 03/16/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30159271. Dispute ID 4e5381cb-ef55-4210-ba3a-01efc46089ca. CH claimed 1 Cancellation from GOOGLE *FLO HEALTH for $43.29 settled on 01/29/2023. ICC date 01/30/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/08/2023. No claim cancellation and No merchant credit received. ** INVESTIGATION ** No MCO initiated as the merchant GOOGLE is part of the approved DNC list. No sufficient denial reason. CB with ROL case #5233485518 initiated on 03/16/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30159411. Dispute ID d7fb2256-c59a-4954-91a5-17dc46c896e6. CH claimed 1 UT from FORMSTACK, LLC for $59.00 settled on . ICC date 01/30/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/07/2023. No claim cancellation and No merchant credit received. Card ending in 0498 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 02/07/2023 with ROL#5233186205. Chargeback won - Acquirer Accepted the . Error found. Provisional credit issued dated mm/dd/yyyy amounting to $xx.xx is now final (if applicable). Case Closed.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30181868 CUID: 3I7DLP8OXpweLwfDcwY736FofNHxi2p4 Dispute ID: 36dda26e-bded-4ffe-9e55-350abe6c2933 Amount:$5,222.10 Dispute Type: Unauthorized Transaction ROL Case (if applicable): n/a Reason: denial approval

Lean Case ID 30181868. Dispute ID 36dda26e-bded-4ffe-9e55-350abe6c2933. CH claimed 15 UT from BTCC Vilnius LT for $5,222.10 settled between . ICC date 02/18/2023 - 02/26/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 6065 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. Review of account activity indicates a consistent pattern of use, every time CH loaded funds to the account CH normally does cash out/POS transactions-behavioral pattern. All transactions are within CH’s typical spending activity. No ATO hallmarks within UT timeline. FR done with VROL#5252096396, Related case 5252096397, Related case 5252096398, Related case 5252096399, Related case 5252096400, Related case 5252096401, Related case 5252096402, Related case 5252096403, Related case 5252096404, Related case 5252096405, Related case 5252096406, Related case 5252096407, Related case 5252096408, Related case 5252096409, Related case 5252096410. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed

Lean Case ID 30174299. Dispute ID 52d8f936-6ce4-4061-8611-35a7d760fe9a. CH claimed 2 UT from NEIMAN MARCUS 00 NEIMANATLANTA GAUS and MARC JACOBS US1049 ATLANTA GAUS for $408.38 settled on 02/12/2023. ICC date 03/02/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 8045 is already replaced. Card In Possession and PIN Written-Down. Card Present transaction. INVESTIGATION The disputed transaction is an EMV transaction that meets the EMV denial reason. No indication of third-party use or lost then found. No evidence of card separation. Card present transaction happened on the same state of CH. All transactions are within CH’s typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. FR done with VROL#5252133571, 5252133572. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30179143 CUID: hjcLQcHmzhDVUiJGpkDQFzmFaNhynSfU Dispute ID: 44d9a709-1be8-4a1a-a2ec-b008048ce491 Amount: $503.00 Dispute Type: Unauthorized Transaction ROL Case (if applicable): n/a Reason: denial approval

Notes: Lean Case ID 30179143. Dispute ID 44d9a709-1be8-4a1a-a2ec-b008048ce491. CH claimed 1 UT from 3707 Hardy St Hattiesburg MSUS for $503.00 settled on 02/02/2023. ICC date 03/11/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 9471 is already replaced. Card was lost and PIN Written-Down. Card Present transaction. INVESTIGATION CH mentioned that the card was lost, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction (ikBlbhuCnFwii-xmCrlvvobgjCa-ynpsEjgzviecb-wwqCevdAabzld). This suggests that the card is in possession contrary to the statement provided. With a previous transaction from the disputed merchant. Card present transaction happened on the same state of the CH address. All transactions are within CH’s typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Also CH mentioned that the card was stolen last 02/26/2023. However, the disputed transaction happened last 02/02/2023 and there are some transactions that is not disputed.

Lean Case ID 30138989. Dispute ID 3f25e2d6-da7a-4827-b0bf-edf84273b37d. CH claimed 1 UT from LYFT 2 RIDES for $50.55 settled on 12/16/2022. ICC date 12/17/2022. Reg E claim. Old Account. Requested for PVC Issuance on 01/19/2023. No claim cancellation and No merchant credit received. Card ending in 1577 is already deactivated. Card not established and PIN not established. Card Absent transaction. Re-presentment received on 03/01/2023 with VROL 5235777951 is uncompelling. Pre-arb initiated on 03/13/2023 - Still no re-presentment received from merchant. With Days to Act: 6 days. For post monitoring. Therefore, Error found. Provisional credit issued dated 01/19/2023 amounting to $50.55 is now final. Case Closed.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30181091 CUID: R4kMu4EeleE0JTRmPm4IqRLtdzMRtkRA Dispute ID: 5d7c7cfc-9689-4e6f-8f4f-243cdb67978c Amount: $1,690.00 Dispute Type: Unauthorized Transaction ROL Case (if applicable): Reason: Denial Approval

Notes: Lean Case ID 30181091. Dispute ID 5d7c7cfc-9689-4e6f-8f4f-243cdb67978c. CH claimed 1 UT from CASH APP*INFINITY Q 8774174551 CAUS for $1,690.00 settled on 03/01/2023. ICC date 03/15/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4287 is already replaced. Card lost and PIN Written-Down. Card Absent transaction. INVESTIGATION CH has been transacting with the disputed merchant since 2021-11-04 until the disputed transaction is considered as spending pattern. With previous and succeeding transactions from the same merchant that were not disputed. No ATO Hallmarks/PII Changes within UT timeline. CH mentioned that the card was lost last 02/25/2023, However, a series of Cash reloads on the lost card was observed. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30181603 CUID: vWvkLLgsZQhxInxjMIEyrgtjgpqBwvwi Dispute ID: a31ae892-8c00-4aba-afac-6d459a031b54 Amount: $4,550.00 Dispute Type: Merchandise/Services Not Received ROL Case (if applicable): Reason: Denial Approval

Notes: Lean Case ID 30181603. Dispute ID a31ae892-8c00-4aba-afac-6d459a031b54. CH claimed 6 Merchandise/Services Not Received from MIA AESTHETICS CLINIC C786-761-1106 ILUS for $4,550.00 settled between 02/24/2023 - 02/28/2023. ICC date 03/16/2023. Non Reg E. New Account. No claim cancellation and No merchant credit received. INVESTIGATION As per document attached in Morty, Merchant mentioned that they are not able to process a refund due to CH not disclosing her medical history to the merchant. As per “21. Cancellation & Refund Policy: Exceptions: However, if patient is cancelled the day of surgery due to a medical condition that was discovered by the surgeon or CRNA/anesthesiologist that was known to and not disclosed by Patient then Patient will not be eligible for any refund.” Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30181976 CUID: ZZFWGMhGPSSXuDTKCVzfhjMyjqmnvhQQ Dispute ID: d87651ca-333c-4325-bcf9-c92a4d896fa1 Amount: $3,000.00 Dispute Type: Unauthorized Transaction ROL Case (if applicable): Reason: Denial Approval

Notes: Lean Case ID 30181976. Dispute ID d87651ca-333c-4325-bcf9-c92a4d896fa1. CH claimed 2 UT from MARDY'S FINE CARS BATON ROUGE LAUS for $3,000.00 settled between 03/14/2023 - 03/15/2023. ICC date 03/16/2023 Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 5396 is already replaced. Card was stolen and PIN Memorized. Card Present transaction. INVESTIGATION CH mentioned that the card was stolen, meanwhile, there are valid undisputed card present transactions after the authorization of the disputed transaction ((DzEEEsjovagdb-itDjhsgzosinn-tCrtBmeccaAth-zdmbBvnjchbCh and dCoepmoAjkBvo-ifsicbmfojjka-nlDrCnFaDkwsn-hkncwAtFxyEth)). This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within CH's vicinity. (17 minutes). No ATO hallmarks/PII changes within the UT timeline. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30182047 CUID: fcYApJQcYkJsUUmuRLciGhFKQRQKfPqu Dispute ID: 460b87ba-14b7-493f-ab49-fc5a6b9a0fc2 Amount: $3,618.00 Dispute Type: Charged Incorrect Amount ROL Case (if applicable): Reason: Denial Approval

Notes: Lean Case ID 30182047. Dispute ID 460b87ba-14b7-493f-ab49-fc5a6b9a0fc2. CH claimed 18 Charged Incorrect Amount from SQ *FOODSTOP Lake Worth FLUS for $3,618.00 settled on 03/10/2023. ICC date 03/12/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit receivedINVESTIGATION No MCO initiated as the merchant SQ is part of the approved DNC list. However, Account is already Closed/Suspended in Morty due to multiple forced post transactions causing negative balance.

Hi Team,

We are considering Issuing PVC/Pursuing chargeback on the claim listed below.

Case ID: 30182121 CUID: EaelqDxRTUmgQPkAQaTuKdciBGeFubfk Dispute ID: 40b6d8e5-e006-41b0-ba57-ca4c9e210927 Amount: $503.50 Dispute Type: No Cash Receipt ROL Case (if applicable): Reason: Issuing PVC/Pursuing chargeback

Lean Case ID 30182121. Dispute ID 40b6d8e5-e006-41b0-ba57-ca4c9e210927. CH claimed 1 CND from 300 E COMMERCE GREENVILLE ALUSv for $503.50 settled on 03/10/2023. ICC date 03/16/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** No other dispute was filed. No sign of Reg-E player and dispute abuser. No sufficient denial reason. Escalated to Current Team for pursuing chargeback.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30182239 CUID: epmFXoGYLjDIHjNycaMiHEaavdvXUnQq Dispute ID: fff2b45c-5042-449c-96fd-0ec4da4d12db Amount: $1,764.00 Dispute Type: UT ROL Case (if applicable): Reason: Denial Approval

Notes: Lean Case ID 30182239. Dispute ID fff2b45c-5042-449c-96fd-0ec4da4d12db. CH claimed 1 UT from WAL-MART #3309 JACKSONVILLE FLUS for $1,764.00 settled on 03/10/2023. ICC date 03/16/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4559 is already replaced. Card In Possession and PIN Memorized. Card Present transaction.INVESTIGATION The disputed transaction is an EMV transaction that meets the EMV denial reason. No indication of lost then found. No evidence of card separation. Card present transaction happened within CH's vicinity. (6 minutes). With a previous transaction from the disputed merchant. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Escalated to Current Team for the outcome of the claim

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30182302 CUID: UF1nU6AGwroBsI5D8htrTAUuA0KLNB5U Dispute ID: f44b84a4-d1df-4565-b018-a018dc3bab42 Amount: $2,663.97 Dispute Type: UT ROL Case (if applicable): Reason: Denial Approval

Notes: Lean Case ID 30182302. Dispute ID f44b84a4-d1df-4565-b018-a018dc3bab42. CH claimed 1 UT from YSI*Vue at 1400 561-9979700 FLUS for $2,663.97 settled on 09/15/2023. ICC date 03/17/2023. Reg E claim. Old Account. PTF claim - PVC Ineligible & No CB rights. No claim cancellation and No merchant credit received. Card ending in 4624 is already replaced. Card was stolen and PIN Memorized. Card Absent transaction}. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of her spending capability. Upon review of account activity indicates a consistent pattern of use, every time CH loaded funds to the account CH normally does cash out/POS transactions-behavioral pattern. With previous transactions from the disputed merchant. No ATO hallmarks/PII changes within the UT timeline. Escalated to Current Team for the outcome of the claim.

Hi Team,

Case ID: 30181671 CUID: vaJyoWmNaPqzcpAVpGfnwafCgopdvvkm Dispute ID: f293ef72-ae34-4a9f-bc2c-cf48246ae714 Amount: $503.00 Dispute Type: No Cash Receipt ROL Case (if applicable): Reason: Merchant Credit.

Notes: Lean Case ID 30181671. Dispute ID f293ef72-ae34-4a9f-bc2c-cf48246ae714. CH claimed 1 No Cash Received. from BANKWEST COLMAN SDUS for $503.00 settled on 03/14/2023. ICC date 03/16/2023. Reg E claim. Old Account. No claim cancellation received. Full merchant credit received amounting to $503.00 settled on 03/15/2023 with TUID: oAplBbtnjulCj-jAcslibfzittl-fCAnbwFADxeCp-xpubqyeifeppb. Therefore, Error found. Endorse to Current for sending of final letter. Case closed.

Disputed transaction has a merchant credit

Hi Team,

We are considering Issuing PVC/Pursuing chargeback on the claim listed below.

Case ID: 30180413 CUID: yRjWhYcglsTPPQJvBjNZWVzFqqUSbCAw Dispute ID: 31ab3af7-f962-4c30-ada6-ac161d47bfba Amount: $503.00 Dispute Type: No Cash Received ROL Case (if applicable): Reason: Issuing PVC/Pursuing chargeback

Notes: Lean Case ID 30180413. Dispute ID 31ab3af7-f962-4c30-ada6-ac161d47bfba. CH claimed 1 No Cash Received from *WARREN AVE & CASS DETROIT MIUS for $503.00 settled on 03/14/2023. ICC date 03/14/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received ** INVESTIGATION ** No other dispute was filed. No sign of Reg-E player and dispute abuser. No sufficient denial reason. Escalated to Current Team for pursuing chargeback.

Requested for PVC Issuance on 03/21/2023 CB with ROL case #2315346189 initiated on 03/21/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30181671. Dispute ID f293ef72-ae34-4a9f-bc2c-cf48246ae714. CH claimed 1 No Cash Received. from BANKWEST COLMAN SDUS for $503.00 settled on 03/14/2023. ICC date 03/16/2023. Reg E claim. Old Account. No claim cancellation received. Full merchant credit received amounting to $503.00 settled on 03/15/2023 with TUID: oAplBbtnjulCj-jAcslibfzittl-fCAnbwFADxeCp-xpubqyeifeppb. Therefore, Error found. Endorse to Current for sending of final letter. Case closed.

Lean Case ID (#). Dispute ID (#). CH claimed (# of transactions) (Dispute Type) from (merchant's name) for $xx.xx (total disputed amount) settled on/settled between mm/dd/yyyy (date of settled disputed transactions/date range for multiple transactions). ICC date mm/dd/yyyy. Reg E claim. [Old or New Account]. Requested for PVC Issuance on mm/dd/yyyy (if applicable). PTF claim(if applicable). No claim cancellation and No merchant credit received (If applicable). Card ending in **** is already replaced/deactivated/reordered (for UT claims only). {Card and PIN Status} {Card Present/Absent transaction}. Re-presentment received on mm/dd/yyyy (date on when we received the re-presentment) with VROL (#) is uncompelling. Pre-arb initiated on mm/dd/yyyy (date on when pre-arb was initiated) < PRE-ARB WON REASON> . Therefore, Error found. Provisional credit issued dated mm/dd/yyyy amounting to $xx.xx is now final (if applicable). Case Closed.

Lean Case ID 30154598. Dispute ID f1f6104d-eb23-48c2-9ee6-d30ae3565d1c. CH claimed 1 Merchandise Returned from WENDY'S # 4569 E US HI RIO GRANDE TXUS for $30.36 settled on 01/13/2023. ICC date 01/20/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 01/27/2023 with ROL#5227862363. Chargeback won - Timeframe expired. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30159658. Dispute ID 323b71fc-3629-4dff-93b9-21622e36904d. CH claimed 1 Merchandise/Services Not Received from SP DEMONS BASEMENT for $135.00 settled on 10/13/2022. ICC date: 01/30/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 03/07/2023 with VROL 5233513135. The address did not matched and also tracking number is not searchable. Pre-arb initiated on 03/21/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30160338. Dispute ID 0b8cc384-6806-4276-a183-a5705b5c216e. CH claimed 2 Merchandise/Services Not Received from DD DOORDASH ALBERTSON and DD DOORDASH MCDONALDS for $64.20 settled on 01/31/2023. ICC date: 01/31/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 02/19/2023 with VROL 5233531577. The documents has no compelling evidence, The address on the documents did not matched the CH address in Morty. Pre-arb initiated on 03/21/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30161199. Dispute ID dda1f16d-b467-4023-a1dd-392d0b423fe2. CH claimed 1 Cancellation from HLU*Hulu for $109.15 settled on 02/02/2023. ICC date 02/02/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/09/2023. No claim cancellation and No merchant credit received. Chargeback requested on 02/09/2023 with ROL#5234179625. Chargeback won - Timeframe expired. Error found. Provisional credit issued dated 02/09/2023 amounting to $109.15 is now final. Case Closed.

Lean Case ID 30161418. Dispute ID fb333346-a9db-4136-84e8-5e34521baf8e. CH claimed 1 Merchandise Returned from TAM'S SUPER BURGERS #22PARAMOUNT CAUS for $33.60 settled on 01/11/2023. ICC date 02/03/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/09/2023 with ROL#5234149161. Chargeback won - Timeframe expired. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30161428. Dispute ID e0425f88-ac6f-4561-be15-76cc1f35bbf2. CH claimed 1 UT from APPLE CASH 1INFINITELOOPCAUS for $315.00 settled on 02/03/2023. ICC date 02/03/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/09/2023. No claim cancellation and No merchant credit received. Card ending in 2580 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Re-presentment received on 02/16/2023 with VROL 5234179689. Matched the Name and Phone number of the CH also as per documents provided "When a Customer pays with Apple Pay, They use a biometrics authorization - Face ID, Touch ID or Passcode - to authenticate the transaction". Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

Lean Case ID 30166670. Dispute ID cb04da7b-cab6-41c8-89f0-974a08deabbc. CH claimed 1 Charged Incorrect Amount from POPEYES COVINGTON GAUS for $31.01 settled on 02/15/2023. ICC date 02/15/2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/02/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

Lean Case ID 30161436. Dispute ID f4b05a19-c26c-4d13-9365-5d603a0a686b. CH claimed 1 UT from APPLE.COM/BILL for $66.98 settled on 02/02/2023. ICC date 02/03/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/09/2023. No claim cancellation and No merchant credit received. Card ending in 7168 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 02/09/2023 with ROL#5234242300. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/09/2023 amounting to $66.98 is now final. Case Closed.

Lean Case ID 30165275. Dispute ID d02b4a9b-f63d-4f70-871c-7b3fa5a212cf. CH claimed 1 Merchandise/Services Not Received from WALMART.COM for $164.22 settled on 11/28/2022. ICC date 02/11/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/17/2023 with ROL#5238475479. Chargeback won - Timeframe expired. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30169207. Dispute ID 8679b3ae-c410-46a3-a92a-485723a77b9e. CH claimed 1 Charged Incorrect Amount from PlentyofFish Media LLC pof.com/help TXUS for $119.99 settled on 02/20/2023. Claim amount $109.99. Amount Supposed to be charged: $10.00. ICC date 02/21/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/24/2023 No claim cancellation and No merchant credit received. Chargeback requested on 02/24/2023 with ROL#5241809987. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/24/2023 amounting to$109.99 is now final. Case Closed.

Lean Case ID 30169270. Dispute ID ef31c55d-dbd0-4227-af21-c27dd31b389a. CH claimed 1 Merchandise/Services Not Received from RH *cassiearia.com Internet GB for $42.25 settled on 01/13/2023. ICC date 02/21/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on 02/24/2023 with ROL#5241842147. Chargeback won - Acquirer Accepted Liability. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID 30169499. Dispute ID c4fd0fbd-5d2a-4deb-871f-c027837ab081. CH claimed 1 UT from CONTACTS SUBSCRIPTION HUBBLECONTACTNYUS for $137.98 settled on 02/17/2023. ICC date 02/21/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/24/2023. No claim cancellation and No merchant credit received. Card ending in 6534 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 02/24/2023 with ROL#5241949082. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/24/2023 amounting to $137.98 is now final. Case Closed.

Lean Case ID 30179867. Dispute ID 08b63a5d-8321-456d-aaa2-10d9a96df1be. CH claimed (X) (XXXXXXX) from (XXXXX) for $XXXXX settled on/settled between XXXXXXX (date of settled disputed transactions/date range for multiple transactions). ICC date XXXXXXX. Reg E claim. [Old or New Account]. Requested for PVC Issuance on XX-XX-XXXX (if applicable). PTF claim (if applicable). No claim cancellation and No merchant credit received (If applicable). Card ending in **** is already replaced/deactivated/reordered (for UT claims only).{Card and PIN Status} {Card Present/Absent transaction}. INVESTIGATION (Please provide the complete denial reasons gathered during the thorough investigation). FR done with VROL#. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal (If applicable) Case Closed.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30179867 CUID: eDWrtcrwSQXfBFoinMvyiMbZdQRLgYyT Dispute ID: 08b63a5d-8321-456d-aaa2-10d9a96df1be Amount: $1,500.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30179867. Dispute ID 08b63a5d-8321-456d-aaa2-10d9a96df1be. CH claimed 3 UT from CASH APP*ZAY 8774174551 CAUS for $1,500.00 settled on 03/13/2023. ICC date 03/13/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. Card ending in 7723 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. No Fraud Alert Captured within the UT Timeline. No ATO hallmarks/PII changes within the UT timeline. And also as per Cash App Secure (https://cash.app/help/ph/en-us/3127-keeping-your-cash-app-secure), one of the application features is Cash App Payment Verification wherein Cash App payment requires your passcode, Touch ID, or Face ID. This indicates that the person making the transaction has full knowledge of the account and transaction will not push through without the CH authorization. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30182549 CUID: cNZxctBRwwW9ukVpqeA1yoD0Mn3T35t3 Dispute ID: b5fb7f2d-0f7f-453e-ba6c-8213921cfbc4 Amount: $504.99 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30182549. Dispute ID b5fb7f2d-0f7f-453e-ba6c-8213921cfbc4. CH claimed 1 No Cash Received from 777 CASINO AVE THACKERVILLE OKUS for $504.99 settled on 03/04/2023. ICC date 03/17/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Per checking, The disputed transaction occurred 4 minutes after the Funding amounting $1,500.00 was added to the account. Also With previous and succeeding transactions from the same merchant that were not disputed. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30182681 CUID: bjRdTlmcVw3qyTr1nu0Wek7dXzWFa1RP Dispute ID: de2b5baa-8457-434b-aa11-fe75221786d9 Amount: $1,900.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30182681. Dispute ID de2b5baa-8457-434b-aa11-fe75221786d9. CH claimed 5 UT from CASH APP*MINGY LUNS for $1,900.00 settled on 03/03/2023. ICC date 03/17/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 6713 is already replaced. Card was stolen and PIN Memorized. Card Absent transaction. INVESTIGATION CH has been transacting with the disputed merchant since 2020-11-28 until the disputed transaction is considered a spending pattern. With previous and succeeding transactions from the same merchant that were not disputed. No fraud alert captured within UT timeline. There is also several card present transaction that is not disputed. And also as per Cash App Secure (https://cash.app/help/ph/en-us/3127-keeping-your-cash-app-secure), one of the application features is Cash App Payment Verification wherein Cash App payment requires your passcode, Touch ID, or Face ID. This indicates that the person making the transaction has full knowledge of the account and transaction will not push through without the CH authorization.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30182789 CUID: lzpqalUFsfrArPboCEbfgEtPguTqsPNC Dispute ID: e37e0ca1-7c2d-4b8f-9aba-fca6f8da7486 Amount: $500.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30182789. Dispute ID e37e0ca1-7c2d-4b8f-9aba-fca6f8da7486. CH claimed 3 UT from 635 E 16 S T HOLLAND MIUS for $500.00 settled on 03/18/2023. ICC date 03/18/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 0023 is already replaced. Card was lost and PIN Written-Down. Card Present transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. With previous transactions from the disputed merchant. Card present transaction happened within CH's vicinity. (11 minutes). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Escalated to Current Team for the outcome of the claim.

Lean Case ID 30170977. Dispute ID 6703d85d-3004-4f7e-989f-6ac5b3125969. CH claimed 2 Charged More Than Once from WOW VEGAS WowVegas GB for $99.98 settled on 02/23/2023. ICC date 02/25/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/28/2023. No claim cancellation and No merchant credit received. Chargeback requested on 02/28/2023 with ROL#5243421387 and 5243421446. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/28/2023 amounting to $99.98 is now final. Case Closed.

Lean Case ID 30172526. Dispute ID 6d8a2965-291f-4d60-9570-d6d8029a5c8f. CH claimed 4 UT from PIZZA HUT 001610 334-215-7121 ALUS for $201.96 settled on 02/18/2023. ICC date 02/27/2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/02/2023. No claim cancellation and No merchant credit received. Card ending in 5962 is already replaced. Card Not In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 03/02/2023 with ROL#5244839021, 5244839022, 5244839018 and 5244839023. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 03/02/2023 amounting to $201.96 is now final. Case Closed.

Lean Case ID 30175641. Dispute ID 9112e5f1-d3a8-440e-aed0-5f81be5ad8ff. CH claimed 1 UT from FORMSWIFT.COM/CHARGE for $96.00 settled on 03/05/2023. ICC date 03/05/2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 4069 is already replaced. Card In Possession and PIN Memorized. Card Absent transaction. Chargeback requested on 03/08/2023 with ROL#5247717802. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 03/08/2023 amounting to $96.00 is now final. Case Closed.

Hi Team,

We are considering to pursuing chargeback on the claim listed below.

Case ID: 30183281 CUID: ZiDQiHJOPCEvnpZBZrejvceDwMeVyzOf Dispute ID: dc392be5-c0c1-44cf-83e9-01c8d86e4308 Amount: $6,025.00 Dispute Type: Merchandise/Services Not As Described. ROL Case (if applicable): n/a Reason: Pursuing Chargeback

Notes: Lean Case ID 30183281. Dispute ID dc392be5-c0c1-44cf-83e9-01c8d86e4308. CH claimed 4 Merchandise/Services Not Received from EVOLUTION MD MIRAMAR FLUS for $6,025.00 settled between 01/26/2023 - 02/01/2023. ICC date 03/19/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. ** INVESTIGATION ** Initiated MCO via phone number +1 954-367-7984, Routed to IVR. No sufficient denial reason. Case is not eligible for PC due to Non Reg E claim. Escalated to Current Team for pursuing chargeback.

Hi Team,

We are considering to deny the claim listed below.

Case ID: 30183483 CUID: oIINcpOEsKmQyvjJsOJPpvTmeVIliMpQ Dispute ID: 22d8584e-5441-467d-965b-2072099e24f0 Amount: $2,504.00 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30183483. Dispute ID 22d8584e-5441-467d-965b-2072099e24f0. CH claimed 6 UT from Multiple merchants for $2,504.00 settled between 03/14/2023 - 03/19/2023. ICC date 03/20/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4601, 6227 is already replaced. Card In Possession and PIN Memorized. Card Absent Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. Upon review of account activity indicates a consistent pattern of use, every time CH loaded funds to the account CH normally does cash out/POS transactions-behavioral pattern. No ATO hallmarks/PII changes within the UT timeline. Escalated to Current Team for the outcome of the claim.

30146138 - Closed 30146405 - Closed 30146834 30146878 30147777 30149118 30149169

Lean Case ID 30161455. Dispute ID 2bb6f191-004e-46ef-938d-04df1fc820a2. CH claimed 1 Charged More Than Once from DD DOORDASH AMERICASB for $29.88 settled on 02/02/2023. ICC date 02/03/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/09/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter and PVC reversal. Case Closed.

Lean Case ID 30162327. Dispute ID fe33ff60-6b4c-47d7-8be9-4ceb5cd74e49. CH claimed 8 Charged More Than Once from Multiple Merchants for $115.65 settled between 10/21/2022 - 01/31/2023. ICC date 02/05/2023. Reg E claim. Old Account. PTF claim - PVC Ineligible. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the days for Additional Info., however, no response from the CH. Therefore, Unable to proceed with filing Chargeback. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Chargeback requested on 02/14/2023 with ROL#5236710258. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/14/2023 amounting to $42.98 is now final. Case Closed.

5237247410 - 200 - 2/24 5237264568 - 100 - 2/25 5237264635 - 200 - 2/24 5237264677 - 200 - 2/24 5237264719 - 44.88 - 2/18 - Matched the name and the Address of the CH

Re-presentment received on 02/24/2023 - 02/25/2023 with VROL 5237247410, 5237264568, 5237264635, 5237264677. The Documents shows no compelling evidence, Phone number did not matched on the CH data in Morty. Pre-arb initiated on 03/22/2023. Merchant has 10 days to respond. Case ongoing.

Re-presentment received on 02/13/2023 with VROL 2311842327 is uncompelling. Pre-arb initiated on 02/20/2023 - Accepted Full by Acq. Therefore, Error found. Endorse to Current for final credits issuance. Case Closed.

Lean Case ID 30146878. Dispute ID 563500c6-9800-4230-b84f-81c6df5dbe60. CH claimed 1 UT from HILTON PROVIDENCE HOTEL for $140.69 settled on 01/02/2023. ICC date 01/02/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/17/2023. No claim cancellation and No merchant credit received. Card ending in 4781 is already replaced. Card In Possession and PIN Status: Memorized. Card Present transaction. Re-presentment received on 01/30/2023 with VROL 2311857731 is uncompelling. Pre-arb initiated on 02/20/2023 - Timeframe expired . Therefore, Error found. Provisional credit issued dated 01/17/2023 amounting to $140.69 is now final. Case Closed.

Lean Case ID 30147777. Dispute ID 504f8209-27e7-4963-a517-9e87308ed7b0. CH claimed 1 UT from AMZN Mktp US for $54.58 settled on 01/04/2023. ICC date 01/04/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/19/2023. No claim cancellation and No merchant credit received. Card ending in 0165 is already replaced. Card In Possession and PIN Status: Written-Down. Card Absent transaction. Re-presentment received on 02/02/2023 with VROL 2313009954 is uncompelling. Pre-arb initiated on 02/20/2023 - Timeframe expired. Therefore, Error found. Provisional credit issued dated 01/19/2023 amounting to $54.58 is now final. Case Closed.

Re-presentment received on 01/26/2023 with VROL 2312602528 is uncompelling. Pre-arb initiated on 02/21/2023 - Timeframe expired. Therefore, Error found. Provisional credit issued dated 01/18/2023 amounting to $279.00 is now final. Case Closed.

Lean Case ID 30149169. Dispute ID 7e81fee5-8ca1-4afb-a9d3-c11e739d36c4. CH claimed 1 Recategorized from Cancellation to Merchandise/Services Not as Described from PAYPAL *PEOPLELOOKE for $25.43 settled on 01/07/2023. ICC date 01/07/2023. Non Reg E claim. Old Account. Requested for PVC Issuance on 01/19/2023. No claim cancellation and No merchant credit received. Re-presentment received on 03/09/2023 with VROL 2312903014. The documents shows no compelling evidence, No cancellation policy. Also no refund reflected in CH account. Pre-arb initiated on 03/22/2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID 30149907. Dispute ID 5a65a26c-dba8-4217-9ce0-30290561fae8. CH claimed 1 UT from APPLE.COM/BILL for $26.98 settled on 01/09/2023. ICC date 01/09/2023. Reg E claim. Old Account. Requested for PVC Issuance 01/24/2023. No claim cancellation and No merchant credit received. Card ending in 9162 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 01/29/2023 with VROL 5225920801 is uncompelling. Pre-arb initiated on 02/23/2023 - Timeframe expired.. Therefore, Error found. Provisional credit issued dated 01/24/2023 amounting to $26.98 is now final. Case Closed.

Lean Case ID 30150453. Dispute ID 21ffe0be-1b5e-4198-9248-48119ae94d98. CH claimed 1 UT from FACEBK ZQ9J5MFUQ2 for $45.10 settled on 01/10/2023. ICC date 01/10/2023. Reg E claim. New Account. Requested for PVC Issuance on 01/20/2023. No claim cancellation and No merchant credit received. Card ending in 7169 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/03/2023 with VROL 2313697054 is uncompelling. Pre-arb initiated on 02/23/2023 - Timeframe expired. Therefore, Error found. Provisional credit issued dated 01/20/2023 amounting to $45.10 is now final. Case Closed.

Lean Case ID 30151728. Dispute ID 0fed092e-d583-4720-96ce-12ab21a912cc. CH claimed 4 UT from CASH APP*PP2 for $325.00 settled between 01/10/2023 - 01/11/2023. ICC date 01/13/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/24/2023. No claim cancellation and No merchant credit received. Card ending in 4500 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 01/31/2023 with VROL 5225742443, 5225755002, 5225755026, 5225755107 is uncompelling. Pre-arb initiated on 02/23/2023 - Timeframe expired. Therefore, Error found. Provisional credit issued dated 01/24/2023 amounting to $325.00 is now final. Case Closed.

As per checking CH contacted the merchant last 01/12/2023 regarding order is late , CH did not reported that the item was defective (the tv screen was cracked). CH need to contact the merchant to return the item. (Return Policy: https://help.walmart.com/app/answers/detail/a_id/3228/kw/Return%20Policy)

Lean Case ID 30151785. Dispute ID fb4685fb-6d52-4a6b-a433-e1d6eff44f1b. CH claimed 1 Merchandise/Services not Received from WALMART.COM for $257.93 settled on 01/09/2023. ICC date 01/13/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received as of this date. Re-presentment received on 03/21/2023 with VROL 5225755381. As per checking CH contacted the merchant last 01/12/2023 regarding order is late , CH did not reported that the item was defective (the tv screen was cracked). CH need to contact the merchant to return the item. (Return Policy: https://help.walmart.com/app/answers/detail/a_id/3228/kw/Return%20Policy) . Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed. .

Lean Case ID 30152235. Dispute ID 3d822c1c-6836-4e75-a787-cb441d8e23a4. CH claimed 1 UT from CASH APPNINNAADD for $430.00 settled on 01/03/2023. ICC date 01/14/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/24/2023. No claim cancellation and No merchant credit received. Card ending in 5951 is already replaced. Card was lost and PIN Status: Written-Down. Card Absent transaction. Re-presentment received on 01/31/2023 with VROL 5225814763 is uncompelling. Pre-arb initiated on 02/24/2023. Therefore, Error found. Provisional credit issued dated 01/24/2023 amounting to $430.00 is now final. Case Closed.

Lean Case ID 30152538. Dispute ID bdd7555f-e99b-4248-956b-968b1ce63fcd. CH claimed 1 UT from SIE*PLAYSTATIONNETWORK for $63.59 settled on 01/15/2023. ICC date 01/15/2023. Reg E claim. Old Account. Requested for PVC Issuance on 01/25/2023. No claim cancellation and No merchant credit received. Card ending in 1259 is already replaced. Card In Possession and PIN Status: Memorized. Card Absent transaction. Re-presentment received on 02/01/2023 with VROL 5226488897 is uncompelling. Pre-arb initiated on 02/24/2023. Therefore, Error found. Provisional credit issued dated 01/25/2023 amounting to $63.59 is now final. Case Closed.

Lean Case ID 30153766. Dispute ID (#). CH claimed (# of transactions) (Dispute Type) from (merchant's name) for $xx.xx (total disputed amount) settled on/settled between mm/dd/yyyy (date of settled disputed transactions/date range for multiple transactions). ICC date mm/dd/yyyy. Reg E claim. [Old or New Account]. Requested for PVC Issuance on mm/dd/yyyy (if applicable). PTF claim(if applicable). No claim cancellation and No merchant credit received (If applicable). Card ending in **** is already replaced/deactivated/reordered (for UT claims only). {Card and PIN Status} {Card Present/Absent transaction}. Chargeback requested on mm/dd/yyyy with ROL#. Chargeback won/Pre-Arb won . Error found. Provisional credit issued dated mm/dd/yyyy amounting to $xx.xx is now final (if applicable). Case Closed.

Lean Case ID 30153766. Dispute ID b7aab29b-d0f5-4c23-9bbf-09cf2bdca515. CH claimed 1 UT from APPLE.COM/BILL for $51.91 settled on 01/14/2023. ICC date 01/18/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/01/2023. No claim cancellation and No merchant credit received. Card ending in 7064 is already replaced. Card In Possession and PIN Status: Not Established Card Absent transaction. Chargeback requested on 02/28/2023 with ROL#5243437324. Chargeback won - Acquirer Accepted Liability:. Error found. Provisional credit issued dated 02/01/2023 amounting to $51.91 is now final. Case Closed.

As per client advised, Claim should be processed for chargeback. No sufficient denial reason. CB with ROL case #2316133611 initiated on 03/22/2023. Merchant has 30 days to respond. Case ongoing.

ean Case ID (#). Dispute ID (#). CH claimed (# of transactions) (Dispute Type) from (merchant's name) for $xx.xx (total disputed amount) settled on/settled between mm/dd/yyyy (date of settled disputed transactions/date range for multiple transactions). ICC date mm/dd/yyyy. Non Reg E claim. [Old or New Account].PTF claim(if applicable). No claim cancellation and No merchant credit received (If applicable). ** INVESTIGATION **

Initiated MCO via phone number +1 954-367-7984, Routed to IVR. No sufficient denial reason. As per client advised, claim is approved for processing Chargeback. No sufficient denial reason. CB with ROL case #2316147065, 2316147297, 2316147328, 2316147462 initiated on . Merchant has 30 days to respond. Case ongoing.

Hi Team,

We are considering to write-off the High Dollar claim listed below.

Case ID:30182882 CUID: KZUySghxzJDODSygWpGTivSttCjjjLCo Dispute ID: c31be4f3-f2e2-4913-a1fb-164446b20a4b Amount: $2,000.00 Dispute Type: UT Reason: Write-off

Notes: Lean Case ID 30182882. Dispute ID c31be4f3-f2e2-4913-a1fb-164446b20a4b. CH claimed 1 UT from APPLE STORE #R327 MANHASSETT NYUS for$2,000.00 settled on 03/18/2023. ICC date 03/18/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. Card ending in 4468 is already replaced. Card In Possession and PIN Memorized. Card Present transaction. ** INVESTIGATION ** No funding activity. No cash in/out. No spending nor behavioral pattern observed. No previous transaction from the disputed merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. Card present transaction happened on the different states. No MCO initiated as the Merchant Apple is part of approved DNC list. Also per checking the transaction was tokenized, However the status was “Deleted” and the devised number did not matched the last 4 digits of the phone number in Morty. No sufficient denial reason. No Cb rights due to MOTO/ECI: Blank, Entry Mode: 07. Cardholder ID Method: 1. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to denying the High Dollar claim listed below.

Case ID: 30183646 CUID: Ka7wsni4Kkz0gbm0IHMC365JYj7oBsYy Dispute ID: 74b86ebe-afe2-4523-977c-429d5cd585fd Amount: $1,787.90 Dispute Type: UT Reason: Denial Approval

Notes: Lean Case ID 30183646. Dispute ID 74b86ebe-afe2-4523-977c-429d5cd585fd. CH claimed 2 UT from YSI*Eagle Hill, Phase I501-4070567 ARUS for $1,787.90 settled between 02/09/2023 - 03/18/2023. ICC date 03/20/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 8341 is already replaced. Card In Possession and PIN written-down. Card Absent transaction.INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware of his spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to denying the High Dollar claim listed below.

Case ID: 30183757 CUID: XvNjlsVOhraiTQgKUyjgREwZqXdtiLtA Dispute ID: 30b41e74-c3ff-4609-bc06-146f423bc1bd Amount: $828.02 Dispute Type: Charged More Than Once Reason: Denial Approval

Notes: Lean Case ID 30183757. Dispute ID 30b41e74-c3ff-4609-bc06-146f423bc1bd. CH claimed 5 Charged More Than Once from Multiple Merchants for $828.02 settled between 03/18/2023 - 03/20/2023. ICC date 03/20/2023. Reg E claim. New Account. No claim cancellation and No merchant credit received. INVESTIGATION Per checking as per dispute notes “In store at cvs pharmacy on candler rd in Decatur Georgia”, there is one disputed transaction that is not related to CVS pharmacy. Upon review of account activity indicates a consistent pattern of use, every time CH loaded funds to the account CH normally does cash out/POS transactions-behavioral pattern. Also the account was New, Not much transaction made on the account yet. There is a strong possibility that CH would just like to receive the PVC for this dispute and take it out of the account right away after receiving it. Escalated to Current Team for the outcome of the claim.

Hi Team,

We are considering to denying the High Dollar claim listed below.

Case ID: 30184017 CUID: qvNrfmdAHzeEuulXTUZhcWkwDyEdBWCC Dispute ID: 628732ca-44b3-4328-a17a-d4918f717273 Amount: $4,373.42 Dispute Type: Unauthorized Transaction Reason: Denial Approval

Notes: Lean Case ID 30184017. Dispute ID 628732ca-44b3-4328-a17a-d4918f717273. CH claimed 5 UT from EHARMONY and BIWC GROUP TEL AVIV - Y IL for $4,373.42 settled between 03/05/2023 - 03/18/2023. ICC date 03/21/2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received Card ending in 2141 is already replaced. Card was lost and PIN Memorized. Card Absent transaction. INVESTIGATION CH mentioned that the card was lost last 03/01/2023, Meanwhile there are several Card present and absent transactions that are not disputed. All transactions are within CH’s typical spending activity. No suspicious decline transactions are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. No fraud alert captured within UT timeline. Escalated to Current Team for the outcome of the claim.

Lean Case ID 30161416. Dispute ID ff6ccbce-38e3-46c1-bb04-72a23f115a5d. CH claimed 1 Merchandise/Services Not Received from YIAMDNAD MARESHELL.COMFLUS for $44.61 settled on 01/03/2023. ICC date: 02/03/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 03/09/2023 with VROL 5234139426. The address reflected in Shipping Address on the re-presentment, Matched the CH address in Morty also as per documents it will take up to 14days from the checkout. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID 30161453. Dispute ID 0281d04d-6303-44ef-9ac2-20c8f505a519. CH claimed 1 UT from PATH CCM 323-2057088 NCUS for $115.07 settled on 02/03/2023. ICC date 02/03/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/09/2023. No claim cancellation and No merchant credit received. Card ending in 4994 is already replaced. Card in possession and PIN Memorized. Card Absent transaction. Chargeback requested on 02/09/2023 with ROL#5234295321. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/09/2023 amounting to $115.07 is now final. Case Closed.

Lean Case ID 30161508. Dispute ID 53e5b858-cfeb-4cc2-bf0b-51b1851618d6. CH claimed 1 Merchandise/Services Not Received from BYKIY.SHOP 646-940-1903732-7739518 for $187.00 settled on 12/19/2022. ICC date: 02/03/2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on 03/01/2023 with VROL 5234397155. Matched the Shipping Address of the CH also merchant was able to provide a tracking number showing that the item is already delivered (Your item was delivered in or at the mailbox at 3:49 pm on February 11, 2023). Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

5235998939 - 121.73 - Name, address, email address and phone number 5235998977 - 35.93 - Name, address, email address and phone number 5236013516 - 63.84 - Name, address, email address and phone number 5236013552 - 79.88 - accepted 5236013577 - 164.50 - Name, address, email address and phone number 5236013624 - 75.92 - Name, address, email address and phone number

30162340 -

Lean Case ID 30162337. Dispute ID 021182f3-198f-4740-8534-abe405365816. CH claimed 5 UT from HELLOFRESH for $461.92 settled between 01/14/2023 - 01/24/2023. ICC date 02/05/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/13/2023. No claim cancellation and No merchant credit received. Card ending in 2244 is already replaced. Card In possession and PIN Memorized. Card Absent transaction. Re-presentment received on 02/28/2023 with VROL 5235998939, 5235998977, 5236013516, 5236013577, 5236013624. Matched the Name, address, email address and phone number. Therefore, No Error Found. PVC scheduled for reversal on the 5th business days. Case Closed.

**Case 30162340 was split due to different outcome of the claim.

Lean Case ID 30162340. Dispute ID 021182f3-198f-4740-8534-abe405365816. CH claimed 1 UT from HELLOFRESH for $79.88 settled on 01/25/2023. ICC date 02/05/2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/13/2023. No claim cancellation and No merchant credit received. Card ending in 2244 is already replaced. Card In possession and PIN Memorized. Card Absent transaction. Chargeback requested on 02/13/2023 with ROL#5236013552. Chargeback won - Acquirer Accepted Liability. Error found. Provisional credit issued dated 02/13/2023 amounting to $79.88 is now final. Case Closed.

**Split case from 30162337.

5236484048 - 50 - 02/20/2023 - Name email address phone number

Lean Case ID 30162358. Dispute ID 497b4694-c3ec-4203-b459-1d70ffd4e494. CH claimed 2 Merchandise/Services Not Received from (merchant's name) for $xx.xx (total disputed amount) settled on/settled between mm/dd/yyyy (date of settled disputed transactions/date range for multiple transactions). ICC date: mm/dd/yyyy. Non Reg E Case. [Old or New Account]. No claim cancellation and merchant credit received as of this date. Representment received on mm/dd/yyyy (date merchant provided documents) with VROL (#). (Reason as to why re-presentment is compelling). Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.