Discount Tire As per merchant terms and condition - Discount Tire stores shall not be liable for any consequential, special or contingent damages or expenses arising directly or indirectly and no company representative may enlarge or alter the terms of the Certificate. https://www.discounttire.com =========================== Shopify Shopify serves only as an intermediary between you and the applicable Carrier, allowing you to purchase services, postage and to print shipping labels (“Labels”). You are responsible for shipping to your customers. Shopify is not responsible for picking up, transporting, delivering or otherwise dealing with your shipment. https://www.shopify.com/legal/terms-shipping-us ============================ Card present (face to face) It was a Face to Face transaction. No proof of return provided. CH is still in possession of the item and benefited from the disputed transaction. ========================= CH obligation / impled consent CH stated that their daughter made the transaction. Available information on customers account (DOB) suggests that CH's "daughter" is below legal age (minor). Therefore, CH is liable for the unauthorized use of the card. ============================ Uber eat based on the merchant's terms and condition stated as, "Merchant shall be responsible for any reimbursement costs related to Customer refunds for Substandard Items or other related issues within Merchant’s control (including any costs associated with retrieving any such Substandard Items or otherwise unsatisfactory Item(s), if applicable)), including by way of example, missing or incomplete Items, Items not cooked thoroughly, and Items not prepared in accordance with Merchant’s internal standards. Portier may, in its sole discretion, deduct reimbursement costs from the payment Portier remits to Merchant in accordance with this Section 4. The current policy for refunds and Substandard Items is located here: http://t.uber.com/ordererrorsguide. Merchant agrees that neither Portier nor the Delivery Person takes title to any Item at any time. =========================== Incfile.com As per Merchant T&C's All Content, whether publicly posted or privately transmitted, is the sole responsibility of the person that originates the Content. We do not monitor the Content posted via the Services. Incfile will not be liable for any Content, including but not limited to any errors or omissions in any Content, or any loss or damage of any kind incurred arising out of the Content or any use of any Content. incfile.com/privacy-policy =============================== CEBERAL As per Cerebral T&C's, Cerebral reserves the right not to refund any prepaid amounts due to cancellations. (https://cerebral.com/terms-and-conditions). ============================== MoonPay As per MoonPay Terms of use via https://www.moonpay.com/legal/terms_of_use under Cancellation and Refunds, 7.1 "Once an order / purchase to buy Cryptocurrency has been made it cannot be cancelled or recalled." w/c makes the dispute invalid. www.moonpay.com" ============================= Von Dutch As per Von Dutch Terms and Conditions: Once your order is placed, we are unable to cancel or refund confirmed orders. We are only accepting exchanges and/or providing a store credit. Please ensure merchandise is in its original condition, tags and packaging included, otherwise we will be unable to accept your exchange. All exchanges must be shipped from the same country they were purchased from. Once your package reaches the warehouse, please allow 3 to 7 business days (depending on peak times) for your exchange to be processed. If your exchange does not meet the conditions listed, the package will be sent back to you. Once accepted, your exchange will be shipped and notified or store credit will be issued via a confirmation email. https://vondutch.com/pages/returns-exchanges. ======================================== Cash APP According to Cash App Terms of Service. Under Section 15 , Square does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party. Square does not have control of, or liability for, goods or services that are paid for using the Services. Under Section 17, 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. https://cash.app/legal/ph/en-us/tos ================================= PBOM Member does not have any receipt or record of cash payment. - Member acct has hallmarks of known fraud trend where disputes being made against Walmart txns as Paid By other means - Very clear signs of dispute abuse, NY, NJ, FL fraud trend mentioned above - Cash ON cash off activity, appears to be kiting funds between accounts to make these cash deposits and dispute claims. - Denying claim and escalating acct to fraud team for closure =========================== ATO Upon review of the account, disputes filed within the same time altogether suggesting that the person doing these transactions had full control of the account and balance. Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. The CH disputed transaction had a pattern of which abuses our Policy for REG E when it comes to PTF claims that cannot be verified with the merchant. Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds by opening disputes via chatbot. Account being escalated for dispute abuse/closure review | Account has been sent to be reviewed due to investigation for possible part of ATO fraud trend. No Error Found. Account being escalated for dispute abuse/closure review. Thus, filed as suspected ATO for as found to be positive for the said case. Disputes filed within the same time period involve transactions across multiple transaction types (atm, card-present/not present, emv, etc). Suggesting that the person doing these transactions had full control of the account and balance is known. Dispute includes past time frame transactions that have been present on statements for more than 2 statement cycles. Disputed transactions are spread out over an extended period of time, demonstrating knowledge of txns, balance and hallmarks of potential dispute abuse. Dispute activity in question is in line with a known fraud trend/scheme attempting to monetize and exit provisional credit funds by opening disputes via chatbot. Therefore, Account being escalated for dispute abuse/closure review. That said, claim and account is being reported. No Error Found. Case Closed. ============================== Walmart Upon checking, Walmart is not responsible for, and cannot guarantee the performance of, goods and services provided by third parties, including any Walmart Entity, Marketplace Retailer (as defined below in Section 16.A), our advertisers, or other third parties to whose sites we link. While our goal is to provide accurate information, product packaging and material may contain more and/or different information than that provided on Walmart Sites, including the product description, country of origin, nutrition, ingredient, allergen, and other information. Always read labels, warnings, directions, and other information provided with the product before using or consuming the product. For additional information about a product, please contact the manufacturer. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent any disease or health condition. If you find a product is not as described, your sole remedy is to return it in unused condition (excluding products that are not eligible for return), in accordance with Walmart’s return policy. It is your responsibility to ascertain and obey all applicable local, state, federal, and foreign laws (including minimum age requirements) regarding the purchase, possession, and use of any Product. (walmart https://www.walmart.com/help/article/walmart-com-terms-of-use/3b75080af40340d6bbd596f116fae5a0. ============================== CRYPTO.com As per Section 3.3. We are not responsible for the market of Digital Assets, and we make no representations or warranties concerning the real or perceived value of Digital Assets as denominated in any quoted currency. Although we may provide historical and/or real-time data regarding the price of Digital Assets, including graphs displayed within the Crypto.com App showing the price fluctuations of Digital Assets, such data or graphs are for reference only. We make no representations regarding the quality, suitability, veracity, usefulness, accuracy, or completeness of such data or graphs, and you should not rely on such data or graphs for any reason whatsoever. You understand and acknowledge that the value of Digital Assets can be volatile, and you agree that we are not in any way responsible or liable for any losses you may incur by holding or trading Digital Assets, even if the Crypto.com App Services were delayed, suspended, or interrupted for any reason. Cro(Crypto.com) https://crypto.com/document/mco_services ============================== PTF CLAIM We have noticed that the remaining disputed transaction is beyond the allowable time limit for us to recover the funds. We are unable to validate the disputed transaction with the merchant. In this case, you may directly contact the merchant to resolve this issue. ========================== Paypal Cardholder is violating PayPal User Agreement (sections Fees for Sending Money and Accepting Payments) by using goods or services through Friends and Family Flow. Friends and Family Flow can only used for personal money transfer between two individuals ( and not business entities) The sections 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. PayPal Inc. User Agreement: https://www.paypal.com/us/webapps/ua/useragreement-full. PayPal PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems operated by us or on our behalf (including any networks and servers used to provide any of the PayPal services) may be interfered with by numerous factors outside of our control. https://www.paypal.com/sg/webapps/mpp/ua/useragreement-full#disclaimer ========================= DOORDASH As per Doordash, "Terms and Conditions: (b) No Refunds. Charges paid by you for completed and delivered orders are final and non-refundable. DoorDash has no obligation to provide refunds or credits, but may grant them, in each case in DoorDash’s sole discretion". https://www.doordash.com/terms/ ============================ Apple cash As per Apple Cash's policy, Apple Cash and it's affiliate are not responsible for the delivery, quality, safety, legality, or any other aspect of goods or services that are paid for using the Direct Payments Service. Reference via https://applecash.greendot.com/termsconditions/#tandc ========================== Lyft Based on merchant's terms of service: All Charges are non-refundable. This no-refund policy shall apply at all times regardless of your decision to terminate usage of the Lyft Platform, any disruption to the Lyft Platform or Rideshare Services, or any other reason whatsoever. https://www.lyft.com/terms. ========================= Apple.com As per Apple.com Terms and Conditions: All Transactions are final. Content prices may change at any time. For Paid Subscriptions: You will be charged no more than 24 hours prior to the start of the latest Paid Subscription period. If we cannot charge your payment method for any reason (such as expiration or insufficient funds), and you have not cancelled the Paid Subscription, you remain responsible for any uncollected amounts, and we will attempt to charge the payment method as you may update your payment method information. This may result in a change to the start of your next Paid Subscription period and may change the date on which you are billed for each period. When your Paid Subscription to any Service or Content ends, you will lose access to any functionality or Content of that Service that requires a Paid Subscription. You acknowledge that your free trial or free offer may expire while you are a Paid Subscriber to Apple One, and Apple shall have no obligation to reinstate, reimburse, or otherwise compensate you for any part of such expired free trial or free offer. Link Reference: https://www.apple.com/legal/internet-services/itunes/. =============================== Etsy.com As per Etsy.com Terms and Conditions : Items You Purchase. You understand that Etsy does not manufacture, store, or inspect any of the items sold through our Services. We provide the venue; the items in our marketplaces are produced, listed, and sold directly by independent sellers, so Etsy cannot and does not make any warranties about their quality, safety, or even their legality. Any legal claim related to an item you purchase must be brought directly against the seller of the item. You release Etsy from any claims related to items sold through our Services, including for defective items, misrepresentations by sellers, or items that caused physical injury (like product liability claims).[nhttps://www.etsy.com/legal/terms-of-use/#etsydisputes.