Notation

Dispute ID: 10818876 DND: 2023-07-18 Reg E - Transaction Was Cancelled

Decision Outcome: APPROVED Decision Outcome Reasoning: • Received Partial Merchant Credit • Remaining amount is below CB threshold • Unable to proceed to pre-arbitration • Write Off the remaining amount

Chargeback Decision Outcome: DENIED Claim Denied following Chargeback Outcome: • Consumer Dispute - Declined by Acquirer • Received compelling evidence • This charge has partial refund • Merchant failed to further explain why they only issued a partial refund • Insufficient evidence

Dispute ID: 10818876 DND: 2023-07-18 Reg E - Transaction Was Cancelled

Decision Outcome: Requested Additional Information Decision Outcome Reasoning: • No ATO Hallmarks present • Insufficient information to proceed with Chargeback

If multiple disputes under one member.. PREFILED Decision outcome: Approved Decision outcome reasoning: Claim approved (Writeoff reasons) txn1 ID response timeframe expired cb won Txn2 id accepted full by acq cb won

Decision outcome: Denied Decision outcome reasoning: Claim denied (Denial reasons) txn1 ID received compelling evidence declined by acq cb lost txn2 id received compelling evidence declined by acq cb lost txn3 no recovery option below cb threshold

Dispute ID: 8697096 DND: 2023-07-01 Reg E - Credit Not Posted

Decision Outcome: APPROVED Decision Outcome Reasoning: • No ATO Hallmarks Present • Issued Provisional Credit • Received Full Merchant Credit

Dispute ID: 8674802 DND: 2023-07-26 Non Reg E - Non-Receipt of Goods or Services

Decision Outcome: DENIED Decision Outcome Reasoning: • No ATO Hallmarks Present • Received Partial Merchant Credit • Remaining amount is below CB threshold • No Recovery Option

Dispute ID: 10947875 DND: 2023-07-30 Reg E - ATM Cash Not Received

Decision Outcome: Chargeback Initiated Decision Outcome Reasoning: • Initial cash loads fund the account, after which the member goes on to have normal spending activity, establishes payroll direct deposit, and does not exhibit money laundering signals. • We receive information from ATM owners/operators indicating their machines failed to dispense funds, corroborating the member’s claim. The member’s ATM dispute is limited to a single withdrawal, and they do not have a prior history of filing ATM CND claims.