UT*

304047779333961

Dispute ID: 11856800 DND: 2023-10-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding observed -Velocity normal The disputed transaction is PIN based, PIN and no PIN failed attempts captured (no Deny code 55) and no PIN change recorded -Merchant normal Balance almost exhausted No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5310979179

Invert_flank1:

Dispute ID: 11856935 DND: 2023-10-25 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -Merchant abnormal -High ending balance -Velocity abnormal -Response/deny code observed. -No cash in/cash out observed Not enough evidence to deny the claim

Dispute ID: 11860922 DND: 2023-10-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Balance exhausted -Merchant normal -Velocity normal No deny codes -With freezing/unfreezing observed No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11854734 DND: 2023-10-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With valid undisputed card present EV transaction observed. Force posted transaction No evidence of card separation Balance exhausted No deny codes -With freezing/unfreezing observed No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11604226 DND: 2023-09-28 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Decision Outcome Reasoning: .Received full merchant credit Pre arb won Pre arb timeframe expired

ROL Case Number 5312432306 Related case 5312432307, Related case 5312432308, Related case 5312432309, Related case 5312432310, Related case 5312432311, Related case 5312432312, Related case 5312432313, Related case 5312432314, Related case 5312432315, Related case 5312432316, Related case 5312432317, Related case 5312432318, Related case 5312432319, Related case 5312432320, Related case 5312432321, Related case 5312432322, Related case 5312432323, Related case 5312432324, Related case 5312432325, Related case 5312432326, Related case 5312432327, Related case 5312432328, Related case 5312432329, Related case 5312432330, Related case 5312432331, Related case 5312432332, Related case 5312432333, Related case 5312432334

Dispute ID: 11868730 Recategorized to Non Receipt of Goods services As per Penny: I gave my card information over the phone and was paying for a clone motor that has never been shipped

Dispute ID: 11820219/11981905 DND: 2023-10-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: The disputed transaction is PIN based, PIN and no PIN failed attempts captured (no Deny code 55) and no PIN change recorded Funding event observed prior the auth With valid undisputed card present EV transaction observed. Continuous funding event observed prior the auth -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 11887610 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning The disputed transaction is PIN based, PIN and no PIN failed attempts captured (no Deny code 55) and no PIN change recorded Funding event observed prior the auth With valid undisputed card present EV transaction observed. Continuous funding event observed prior the auth -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11887258 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning The disputed transaction is PIN based, PIN and no PIN failed attempts captured (no Deny code 55) and no PIN change recorded Funding event observed prior the auth Continuous funding event observed -With spending pattern observed Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312449242

Dispute ID: 11890144 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EV transaction observed. Continuous funding event observed prior the auth Balance almost exhausted No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

2023-10-28 12:36:28

Dispute ID: 11889930 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

The disputed transaction is PIN based, PIN and no PIN failed attempts captured (no Deny code 55) and no PIN change recorded Funding event observed prior the auth Spot me limit was utilized Balance exhausted No fraud alert observed No deny codes Enabled of the card prior the auth observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312463182

Dispute ID: 11887094 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

With valid undisputed card present EMV transaction. No evidence of card separation Funding event observed prior the auth ( Friend Transfer) -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11888172 /11982581 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial Spot me limit was utilized Balance exhausted -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312465956,5312465957

2023-10-28 03:09:07

Dispute ID: 11888657 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EV transaction observed. Continuous funding event observed prior the auth Pin denial -With cash in/cash out observed -Merchant normal -Amount normal -Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312500016,5312500017,5312500022

Dispute ID: 11887404/11982673 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EV transaction observed. Continuous funding event observed prior the auth -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11891137 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed p Pin denial -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312500197, 5312500198 , 5312500203

Dispute ID: DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed Pin denial With valid undisputed card present EV transaction observed. -Low ending balance -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312500257, 5312500258, 5312500259, 5312500260

Dispute ID: 11889772 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth No evidence of card separation -With valid undisputed card present EMV -EMV denial No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312500405,5312500406, 5312500407,5312500413

Dispute ID: 11891162 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Low ending balance No deny code observed within UT timeline. No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312500469,e 5312500470

Dispute ID: 11888696/11982863 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth Continuous funding event Pin denial No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

2023-10-24 15:01:45

Dispute ID: 11891766 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event Pin denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed Spot me limit was utilized Balance exhausted No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5312541623,se 5312541624 ,5312541633,5312541634

Home 2 Suites Olive Bran

Dispute ID: 11660351, 11784444 DND: 2023-10-04 Reg E - Unauthorized Transaction

Decision Outcome: Case ongoing Decision Outcome Reasoning: Card still active. Requested for card closure with ‭Ticket ‭#78191698‬

Dispute ID: 11879403 DND: 2023-10-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed after the auth PI in visa osberved matches CH record on file ( Email) -Merchant normal -Velocity normal -No high risk indicator -Low ending balance Enable of the card observed prior the auth No PII changes observed No ATO Hallmarks

2023-09-25 12:44:51

Dispute ID: 11629384 DND: 2023-10-01 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning Chargeback won Chargeback timeframe expired

Dispute ID: 11631808 DND: 2023-10-01 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning Chargeback won Chargeback timeframe expired

Dispute ID: 11651073 DND: 2023-10-03 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning Chargeback won Chargeback timeframe expired

Dispute ID: 11774196 DND: 2023-10-16 Reg E - Unauthorized Transaction Pre-Arb Decision Outcome: Approved

Decision Outcome Reasoning Pre-Arb won Pre-Arb timeframe expired

Dispute ID: 11773513 DND: 2023-10-16 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Decision Outcome Reasoning Chargeback lost Received compelling evide

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Dispute ID: 11884435 DND: 2023-10-28 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -High ending balance -No valid undisputed transaction -No freezing/unfreezing observed -Velocity abnormal -Response/deny code observed. Not enough evidence to deny the claim

Dispute ID: 11884137 DND: 2023-10-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received full merchant credit

Funding event observed prior the auth Continuous funding event Pin denial -With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed Low ending balance No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313066487,5313066480, 5313066481, 5313066482, 313066483, 5313066484, 5313066486

Dispute ID: 11882692 DND: 2023-10-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event -With valid undisputed card present EMV Spot me limit was utilized Balance exhausted -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed Low ending balance No ATO Hallmarks -With freezing/unfreezing observed ROL Case Number 5313084610 5313084611, 5313084612, 5313084613, 5313084614, 5313084615, 5313084616, 5313084617, 5313084618, 5313084619, 5313084620

Dispute ID: 11890416 DND: 2023-10-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11884703 DND: 2023-10-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event Spot me limit was utilized Balance exhausted -With spending pattern observed -Merchant normal -Velocity normal -Amount normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5313084847,5313084848,5313084849, 5313084850

Dispute ID: 11900325 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event With valid undisputed card present EMV Spot me limit was utilized Balance exhausted -With spending pattern observed -Merchant normal -Velocity normal -Amount normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313084940, 5313084941,5313084944

Dispute ID: 11896860 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313101530

Dispute ID: 11899544 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event With cash in/cash out observed Low ending balance -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313107825,5313107826

Dispute ID: 11897260 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -With spending pattern observed -Merchant normal -Velocity normal -Amount normal Spot me limit was utilized Balance exhausted No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11894470 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EMV No fraud alert observed No ATO Hallmarks -With freezing/unfreezing observed Disputed transaction is within the vicinity ROL Case Number 5313107993,e 5313107994

Dispute ID: 11896292 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Pin denial No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313134067,5313134068

Dispute ID: 11901973/11993373 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event Credential on file with no response code 85 observed prior the auth Pin denial With valid undisputed card present EMV -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313134209,5313134210, 5313134211,5313134218 ,5313134222

Dispute ID: 11894907 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event Pin denial With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Velocity normal -Amount normal -No high risk indicator No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313134323,5313134324, 5313134325, 5313134326, 5313134327, 5313134328

Dispute ID: 11897757 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event Pin denial PI in visa observed ( Email ) Balance almost exhausted No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 53131344525313134453, 5313134454,5313134467 ,5313134465, 5313134466 ,5313134491

Dispute ID: 11898674 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior and after the auth -Low ending balance No fraud alert observed With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 11900024 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -High ending balance -No cash in/cash out observed -Response/deny code observed. Not enough evidence to deny the claim

Dispute ID: 11901090 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Continues funding observed -Merchant normal -Velocity normal No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 11898957 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card still active Requested card closure

Dispute ID: 11897592 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth PI in visa osberved (Email) -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5313683056,5313683055

Dispute ID: 11901435 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continues funding observed disputed transaction is Credential on file with no response code 85 osberved prior the auth -Merchant normal -Amount normal -Velocity normal Spot me limit was utilized Balance exhausted Enable of the card osberved prior the auth No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11903694 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EMV -EMV denial -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11903578 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continues funding observed -Low ending balance -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11902441 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continues funding observed Spot me limit was utilized -With spending pattern observed -Merchant normal -Velocity normal -Amount normal -Velocity normal Balance exhausted No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5313683394,5313683392, 5313683393

Dispute ID: 11895960 DND: 2023-10-30 Reg E - Unauthorized Transaction
Decision Outcome: Deny Received full merchant credit

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EMV -EMV denial -With spending pattern observed -Merchant normal -Velocity normal Spot me limit was utilized Balance exhausted No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11897631 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card still active Requested card closure

Dispute ID: 11903073 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV -Merchant normal -Velocity normal -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11899358 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed prior the auth -EMV denial No deny codes No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11902575 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning Card still active Request card closure

Dispute ID: 11903058 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continuous funding observed With valid undisputed card present EMV With spending pattern observed -Merchant normal -Velocity normal Spot me limit was utilized Balance exhausted No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11899998 DND: 2023-10-30 Reg E - Unauthorized Transaction. Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continuous funding observed -Merchant normal -Velocity normal -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5313742781,5313742782, 5313742783, 5313742784, 5313742785,5313742797,5313742796

Dispute ID: 11893284 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial Continuous funding observed -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313742896 5313742897, 5313742898, 5313742899, 5313742900

Dispute ID: 11894514/12004274 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV Balance almost exhausted With spending pattern observed -Merchant normal -Velocity normal -Amount normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313762695

Dispute ID: 11902461 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Pin denial PI in visa observed (phone number) With spending pattern observed -Merchant normal -Velocity normal -Amount normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5313762764,5313762765,5313762861 5313762851, 5313762852, 5313762853, 5313762854, 5313762855 5313762856, 5313762857, 5313762858, Related case 5313762859, 5313762860, 5313762862

Ill make sure to follow the new update about the penny ledger to verify the information of CH and ill make sure utilize the Penny ledger than Galileo in order to familiarize and practice the ledger as Galileo

11/10/25

.Dispute ID: 11903678 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Pin denial Spot me limit was utilized Balance exhausted Merchant normal Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5314257107,5314257108 ,5314257115,5314257116, 5314257117

Dispute ID: 11898957 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Merchant normal Velocity normal -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11902575 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5314257178 ,5314257179, 5314257180

Dispute ID: 11897631 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EMV Continuous funding observed -With freezing/unfreezing observed -No high risk indicator No PII changes observed No ATO Hallmarks

Dispute ID: 11909923 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV -Merchant normal -Velocity normal -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11908357 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Pin denial -Merchant normal -Velocity normal Balance almost exhausted No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 53142572905314257289, 5314257291,5314257299

Dispute ID: 11909146 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With spending pattern observed -Merchant normal -Velocity normal No deny codes Balance almost exhausted No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11916707 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Pin denial -Merchant normal -Velocity normal Balance almost exhausted No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 5314257394

Dispute ID: 11919875 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed -Merchant normal -Velocity normal Balance t exhausted No fraud alert observed No deny codes osberved within UT timeline No PII changes observed No ATO Hallmarks ROL Case Number 5314257427

Dispute ID: 11919963 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Pin denial With valid undisputed card present EMV Balance exhausted Spot me limit was utilized -Merchant normal -Velocity normal. Enable of the card observed prior the auth No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11923671 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth No deny codes osberved within UT timeline No fraud alert observed No PII changes observed No ATO Hallmarks

11923671 11904609

Dispute ID: 11917285 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed Balance exhausted Spot me limit was utilized No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11917067 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV Balance almost exhausted -With spending pattern observed -Merchant normal -Velocity normal. -Amount normal No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11917144 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 11923147 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed. -No spending pattern observed -Merchant abnormal -Amount abnormal -High ending balance -No cash in/cash out observed -Velocity abnormal -Response/deny code observed.

Dispute ID: 11923298 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth PI in visa observed Phone number) -Low ending balance No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 5314317194 5314317192, 5314317193

Dispute ID: 11917043 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Low ending balance No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 5314317238

Dispute ID: 11918592 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card still active Requested card closure

Dispute ID: 11896660 DND: 2023-10-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EMV Balance exhausted Spot me limit was utilized No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5314317337,5314317338

Dispute ID: 11923664 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 11904609 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV Merchant normal -Velocity normal.. No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 5314317425, 5314317426, 5314317427, 5314317428, 5314317429, 5314317430, 5314317431, 5314317432, 5314317433, 5314317434, 5314317435, 5314317436, 5314317437, 5314317438

Dispute ID: 11621736 DND: 2023-09-30 Reg E - Unauthorized Transaction Decision Outcome: Approved Decision Outcome Reasoning: No manual funding. No previous transaction. No spending pattern. High ending balance. No freezing/unfreezing of the card. Forced posted trxn. No recovery option. Transaction supposed to have CB rights, however unable to process chargeback encounter error msg in VISA for 11.3 and 10.4.

Dispute ID: 11904596 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With valid undisputed card present EMV -Velocity normal -Merchant normal No deny codes Balance almost exhausted No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11941174 DND: 2023-11-03 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With valid undisputed card present EMV -No high risk indicator No PII changes observed No ATO Hallmarks

Dispute ID: 11937065 DND: 2023-11-03 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed No continuous funding event observed
-No spending pattern observed -No cash in/cash out observed -No freezing/unfreezing observed Not enough evidence to deny the claim

Dispute ID: 11944424 DND: 2023-11-03 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No spending pattern observed No continuous funding event observed -Merchant abnormal -Velocity abnormal -Amount abnormal -Response/deny code observed. prior the auth -No valid undisputed transaction Not enough evidence to deny the claim No recovery option ROL Case Number 2375669039

Dispute ID: 11928648 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card active Requested card closure

Dispute ID: 11930475 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card active Requested card closure

Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV Merchant normal -Velocity normal.. No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11934760 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth -Low ending balance -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2375669069

Dispute ID: 11910728 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2375669112 2375669113, 2375669114

Dispute ID: 11904596 DND: 2023-10-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed -Low ending balance With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2375669152 ,2375669149, 2375669150, 2375669151

Dispute ID: 11924508 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card active Requested card closure

Dispute ID: 11933549 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Pin denial No fraud alert observed No deny codes observed within UT timeline No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11934127 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV No fraud alert observed Balance exhausted Spot me limit was utilized No deny codes No ATO Hallmarks -With freezing/unfreezing observed Disputed transaction is within the vicinity

Dispute ID: 11925570 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Pin denial No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 11916096 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Balance almost exhausted No fraud alert observed No ATO Hallmarks ROL Case Number 2375682776 Related case 2375682777, Related case 2375682778, Related case 2375682779, Related case 2375682780, Related case 2375682781, Related case 2375682782, Related case 2375682783, Related case 2375682784, Related case 2375682785, Related case 2375682786, Related case 2375682787, Related case 2375682788, Related case 2375682789, Related case 2375682790, Related case 2375682791, Related case 2375682792, Related case 2375682793, Related case 2375682794, Related case 2375682795, Related case 2375682796, Related case 2375682797, Related case 2375682798

Dispute ID: 11931767 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Pin denial -EMV denial Balance exhausted Spot me limit was utilized -With spending pattern observed -Merchant normal -Velocity normal No ATO Hallmarks -With freezing/unfreezing observed Disputed transaction is within the vicinity ROL Case Number 2375707641, 2375707642, 2375707643, 2375707644, 2375707645, 2375707646, 2375707647, 2375707648,2375707655 ,2375707656, 2375707657, 2375707658,2375707659

Dispute ID: 11705306 DND: 2023-10-09 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning

Chargeback won Chargeback timeframe expired

11948364 11932549 11953117 11937370 11946413 11947891 11946112 11953269 11951618 11950444 11946371 11947454 11949099 11953146 11950595 11947073 11952700

ritchie.tingson@chime-mail.ubiquitygs.com Ubiquity2026@ ritchietingson Ubiquity2026

With valid undisputed card present EMV Pin denial -EMV denial Balance exhausted Spot me limit was utilized -With spending pattern observed -Merchant normal -Velocity normal No ATO Hallmarks -With freezing/unfreezing observed Disputed transaction is within the vicinity

Dispute ID: 11948364 DND: 2023-11-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed prior the auth Continuous funding observed Pin denial Amount normal Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity With freezing/unfreezing observed ROL Case Number 2376068262,2376068259, 2376068260, 2376068261

Dispute ID: 11699058 DND: 2023-10-08 Reg E - Unauthorized Transactions Decision Outcome: Deny

Decision Outcome Reasoning: Received partial credit

-Filed CB with ROL Case Number 2373792663. -Prearb won. Prearb timeframe expired. -Received partial credit on 2023-10-08 amounting to $19.88. -PIN Denial. -Merchant are normal -No fraud alert. -With Freezing/ Unfreezing activity. -No signs of ATO. ROL Case Number 2376078039,2376078021, 2376078023, 2376078024, 2376078025, 2376078026, 2376078027, 2376078028, 2376078030, 2376078031, 2376078032, 2376078033, 2376078034, 2376078035, 2376078036, 2376078037, 2376078038, 2376078040, 2376078041, 2376078042, 2376078043

Dispute ID: 11932549 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Pin denial Amount normal Velocity normal -No fraud alert. Balance exhausted With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2376078465,2376078466

Dispute ID: 11972954 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding observed Amount normal Velocity normal No deny codes No fraud alert. No PII changes observed No ATO Hallmarks

Dispute ID: 11972622 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth (Friend transfer) Balance exhausted No fraud alert. No deny codes observed within UT timeline. No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11968217 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Low ending balance No fraud alert No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 11967482 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning:.

Card is active Requested card closure

Dispute ID: 11964648 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding observed With valid undisputed card present EMV Balance exhausted Spot me limit was utilized No fraud alert No deny codes With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

2023-11-01 14:22:07

Dispute ID: 11964605 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior and after the auth -With freezing/unfreezing observed No fraud alert No PII changes observed No ATO Hallmarks

Dispute ID: 11965873 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card is still active Request card closure

Dispute ID: 11970306 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Continuous funding observed Pin denial No fraud alert No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2376133688 ,2376133689

Dispute ID: 11973216 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Card is still active Request card closure

Dispute ID: 11930475 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No freezing/unfreezing observed -Response/deny code observed. -No cash in/cash out observed

Internal note: Chargeback was rejected via ROl-1600 Request review initiated

Dispute ID: 11924508 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth Continuous funding observed Low ending balance -With freezing/unfreezing observed No fraud alert No deny codes No PII changes observed No ATO Hallmarks

.

Dispute ID: 11928648 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding observed -With spending pattern observed Disputed transaction is Credential on file with no ressponse code 85 observed prior the auth
-Merchant normal -Amount normal -Velocity normal No fraud alert -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 11953256 DND: 2023-11-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Pin denial -Merchant normal -Amount normal No fraud alert -Velocity normal No deny codes No PII changes observed No ATO Hallmarks -With freezing/unfreezing observed Disputed transaction is within the vicinity ROL Case Number 2376215610, 2376215611 , 2376215622,2376215637

Dispute ID: 11973196 DND: 2023-11-06 Reg E - Unauthorized Transaction

Dispute ID: 11964405 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning Received full merchant credit

-No spending pattern observed -Merchant abnormal -Velocity abnormal -Amount abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed -Response/deny code observed. Not enough evidence to deny the claim

Dispute ID: 11900024 DND: 2023-10-30 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Decision Outcome Reasoning Chargeback lost Received compelling evidence

Received uncompelling evidence

Dispute ID: 11939861 DND: 2023-11-03 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Balance exhausted Spot me limit was utilized -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2376258285 2376258286, 2376258287

4232232122841860

Dispute ID: 11973196 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No spending pattern observed -Amount abnormal -No cash in/cash out observed -No valid undisputed transaction No continuous funding event observed -No freezing/unfreezing observed Not enough evidence to deny the claim No recovery option.

Star log in User name:ritchietings Password : Ubiquity2026@ B- 423223 00K196 S- 00F665

LocKed@ndlo@ded10

Dispute ID: 11957558 DND: 2023-11-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 11989233 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Requested card closure with ZD

With valid undisputed card present EMV No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

4232232188065693

Dispute ID: 11967482 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

Requested additional information with ZD

Dispute ID: 11965873 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior and after the auth Pin denial -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

Dispute ID: 11973216 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV -With spending pattern observed -Amount normal -Velocity normal -Merchant normal No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

4985031142361472

Dispute ID: 11989437 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Balance exhausted Spot me limit was utilized -Velocity normal -Merchant normal- No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2376682286,2376682287

Dispute ID: 11993426 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth No fraud alert observed No deny codes osberved within UT timeline No PII changes observed No ATO Hallmarks

Dispute ID: 11978398 DND: 2023-11-03 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -EMV denial Balance exhausted Spot me limit was utilized No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity

4232232185285203

Dispute ID: 11961940 DND: 2023-11-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event osberved Balance exhausted -Merchant normal -Velocity normal No PII changes observed No ATO Hallmarks ROL Case Number 2376704886,2376704887, 2376704888

.

Dispute ID: 11976474 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -Merchant abnormal -Amount abnormal -Velocity abnormal -Response/deny code observed.

Dispute ID: 11985950 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed Low ending balance No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 11993481 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Deny Received full merchant credit

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -Amount abnormal -High ending balance -No freezing/unfreezing observed -Response/deny code observed. Not enough evidence to deny the claim

4232232190064510

Dispute ID: 11972842 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -No manual funding observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed -Response/deny code observed. Not enough evidence to deny the claim

Dispute ID: 11982026 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth Low ending balance -No high risk indicator -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2376764881

Dispute ID: 11979312 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event osberved prior the auth Disputed transaction is credential on file with no response code 85 osberved prior the auth RECURRING FLAGYES Low ending balance -Merchant normal -Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

4985032010488694

Dispute ID: 11975757 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth With valid undisputed card present EMV Continuous funding event observed -With spending pattern observed PI in visa osberved (Phone number) -Merchant normal -Velocity normal -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2376786008

Dispute ID: 11979072 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event osberved prior the auth -Merchant normal -Amount normal -Velocity normal Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11979113 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

-No manual funding observed -No spending pattern observed -Amount abnormal -No cash in/cash out observed -Response/deny code observed. -No freezing/unfreezing observed Not enough evidence to deny the claim

Dispute ID: 11975687 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Continuous funding event osberved With valid undisputed card present EMV Low ending balance -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks

4232231170538618

Dispute ID: 11967194 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth -EMV denial PI in visa observed (email) -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number2376861635,2376861636,2376861728, 2376861720, 2376861721, 2376861722, 2376861723, 2376861725, 2376861726, 2376861727, 2376861729, 2376861730, 2376861731,2376861850 , 2376861851, 2376861852, 2376861853, 2376861854, 2376861855, 2376861856, 2376861857, 2376861858, 2376861859,2376861997, 2376861998

Dispute ID: 11974449 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2376872209, 2376872200, 2376872201,2376872202, 2376872203,2376872204, 2376872205, 2376872206, 2376872207, 2376872208, 2376872210

Dispute ID: 11977077 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Balance exhausted Spot me limit was utilized Disputed transaction is within the vicinity

Dispute ID: 11966241 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Received full merchant credit Disputed transaction is credential on file with no response code 85 osberved prior the auth Funding event observed Balance exhausted Spot me limit was utilized -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2376922217, 2376922218, 2376922219, 2376922220, 2376922221, 2376922222, 2376922223, 2376922224, 2376922225, 2376922226, 2376922227, 2376922228, 2376922229, 2376922230, 2376922231, 2376922232

Dispute ID: 11981665/12048181 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV -EMV denial No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2376941009 ,2376941010 , 2376941039,2376941040, 2376941041, 2376941089,2376941089

Dispute ID: 11974527 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth Continuous funding event observed Pin denial With valid undisputed card present EMV Merchant normal Velocity normal Balance exhausted Spot limit was utilized No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL CaseNumber2376941401,2376941398,2376941399, 2376941400 ..

Dispute ID: 12013320 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed -No cash in/cash out observed -Amount abnormal -No freezing/unfreezing observed -Response/deny code observed. Not enough evidence to deny the claim

Dispute ID: 12011480 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No freezing/unfreezing observed Not enough evidence to deny the claim No recovery option.

2023-11-01 21:36:54

Dispute ID: 12012946 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed Continuous funding event observed Balance almost exhausted No fraud alert observed Enable of the card observed prior the auth No PII changes observed No ATO Hallmarks

Dispute ID: 12005625 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial -Merchant normal -Velocity normal Spot me limit was utilized Balance exhausted No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12010292 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed Continuous funding event observed Spot me limit was utilized Balance exhausted Merchant normal Velocity normal No deny codes No fraud alert observed With freezing/unfreezing observed Disputed transaction is within the state

Dispute ID: 12014853 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed Continuous funding event observed Pin denial Merchant normal Velocity normal Spot me limit was utilized Balance exhausted No fraud alert observed No ATO hallmarks With freezing/unfreezing observed Disputed transaction is within the state ROL Case Number 2377420100

Dispute ID: 12014867 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No manual funding observed No continuous funding event
-No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No cash in/cash out observed -No valid undisputed transaction -Response/deny code observed. Not enough evidence to deny the claim

Dispute ID: 12009083 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning -No spending pattern observed -No manual funding observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed Not enough evidence to deny the claim

4985031161110586

Dispute ID: 12010936 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed Continuous funding event observed No fraud alert observed Low ending balance No deny codes No PII changes observed No ATO Hallmarks With freezing/unfreezing observed Disputed transaction is within the state ROL Case Number 2377435672,2377435673 ,2377435684

Received uncompelling evidence
4985031186958571

Dispute ID: 11845690 DND: 2023-10-24 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: Received uncompelling evidence
Pre arb initiated

4985031100718986

Dispute ID: 12014915 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed Continuous funding event observed -Merchant normal -Velocity normal Balance exhausted Spot me limit was utilized No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2377559796 2377559797, 2377559798, 2377559799

4232232032723240

Dispute ID: 12013866 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Balance exhausted No fraud alert observed -With freezing/unfreezing observed No ATO Hallmarks ROL Case Number 2377566132 Related case 2377566124, Related case 2377566125, Related case 2377566126, Related case 2377566127, Related case 2377566128, Related case 2377566129, Related case 2377566130, Related case 2377566131, Related case 2377566133, Related case 2377566134, Related case 2377566135, Related case 2377566136, Related case 2377566137, Related case 2377566138

Dispute ID: 11991363 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Balance exhausted Spot me limit was utilized -Merchant normal -Velocity normal No ATO hallmarks No fraud alert observed ROL Case Number 2377575083,Related case 2377575084, Related case 2377575085, Related case 2377575086, Related case 2377575087, Related case 2377575088, Related case 2377575089, Related case 2377575090, Related case 2377575091, Related case 2377575092, Related case 2377575093, Related case 2377575094, Related case 2377575095, Related case 2377575096, Related case 2377575097, Related case 2377575098

12009460 12007494 11996761 11988609 12011457

Dispute ID: 12009460 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed -Merchant normal -Velocity normal -Low ending balance -With freezing/unfreezing observed No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12007494 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Pin denial -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2377584613,2377584615 ,2377584654,2377584655 ,2377584670

Dispute ID: 11996761 DND: 2023-11-09 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2377633501,2377633502, 2377633503, 2377633504, 2377633506

Dispute ID: 11988609 DND: 2023-11-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth Continuous funding event observed -With spending pattern observed -Merchant normal -Velocity normal Balance exhausted Spot me limit was utilized No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2377660470,2377660465, 2377660466, 2377660467, 2377660468, 2377660469

4232232108245391

Dispute ID: 12011457 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2377674630, 2377674624, 2377674625, 2377674626, 2377674627, 2377674628, 2377674629, 2377674631, 2377674632, 2377674633, 2377674634, 2377674635

Dispute ID: 11995709 DND: 2023-11-09 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV -Amount normal -Merchant normal -Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the vicinity ROL Case Number 2377688697, 2377688695, 2377688696

Dispute ID: 12038446 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With spending pattern observed Merchant normal Velocity normal. No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12038490 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

4985032138629211

Dispute ID: 12043216 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed -No freezing/unfreezing observed Not enough evidence to deny the claim

2023-11-12 18:58:56

Dispute ID: 12037812 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Velocity normal No deny codes No fraud alert observed Enable of the card observed prior the auth No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2378023023

4232230202070608

Dispute ID: 12041231 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Velocity normal -Amount normal -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2378023302 2378023298, 2378023299, 2378023300, 2378023303, 2378023304, 2378023305, 2378023306

Dispute ID: 12039893 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With spending pattern observed -Merchant normal -Velocity normal No deny codes -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2378034541,2378034542, 2378034543, 2378034544

Dispute ID: 12034588 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Disputed transaction is credential on file with no response code 85 observed prior the auth -With spending pattern observed -Merchant normal -Velocity normal -Amount normal Balance almost exhausted No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12037367 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Pin denial Merchant normal -Velocity normal Spot me limit was utilized Balance exhausted -No high risk indicator No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2378034769 , 2378034770, 2378034771

Dispute ID: 12043619 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Pin denial With valid undisputed card present EMV -Merchant normal -Amount normal -Velocity normal -No high risk indicator No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2378034917.2378034915, 2378034916

Dispute ID: 12034866 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

With undisputed card present EMV Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12039765 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -No spending pattern observed No continuous funding event observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No freezing/unfreezing observed -No valid undisputed transaction Not enough evidence to dent the claim

Funding event observed prior the auth Low ending balance No high risk indicator No PII changes observed No ATO Hallmarks

Dispute ID: 12043515 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Low ending balance No fraud alert observed No deny codes -With freezing/unfreezing observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12038560 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Balance exhausted Spot me limit was utilized No fraud alert observed .No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12039531 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth -EMV denial -Low ending balance No fraud alert observed .No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Valid undisputed transaction is within the state

Dispute ID: 12038463 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Disputed transaction is credential on file with no response code 85 observed prior the auth -With spending pattern observed -Merchant normal -Velocity normal Balance exhausted Spot me limit was utilized No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2378094314,2378094316, 2378094318, 2378094319

Dispute ID: 12041941/12065022 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Continuous funding event observed -EMV denial Pin denial Merchant normal Amount normal -No high risk indicator No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12016430 DND: 2023-11-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With valid undisputed card present EMV -Merchant normal -Velocity normal Balance exhausted No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2378109391 2378109392, 2378109393, 2378109394

Dispute ID: 12021113 DND: 2023-11-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With spending pattern observed PI observed in visa (Name) -Merchant normal -Amount normal -Velocity normal -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2378128523,2378128522

Dispute ID: 11873505 DND: 2023-10-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12038656 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed -Merchant normal -Velocity normal Balance exhausted Spot me limit was utilized -No high risk indicator -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 12039344 DND: 2023-11-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Continuous funding event observed -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 11918592 DND: 2023-11-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed With valid undisputed card present EMV -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 23782088222378208819, 2378208820, 2378208821

Dispute ID: 11660351/11784444 DND: 2023-10-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

With valid undisputed card present EMV Pin denial No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12052108 DND: 2023-11-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior and after the auth -With spending pattern observed -Merchant normal -Velocity normal -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12049182 DND: 2023-11-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12047615 DND: 2023-11-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Dispute ID: 12013320 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome : Deny Decision Outcome Reasoning:

• Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction.

Dispute ID: 11856935 DND: 2023-10-25 Reg E - Unauthorized Transaction Chargeback Decision Outcome : Deny

Decision Outcome Reasoning:

Chargeback lost Received compelling evidence

Dispute ID: 11937065 DND: 2023-11-03 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning

Received uncompelling evidence
Pre arb initiated

Dispute ID: 12070666 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received partial credit

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event osberved Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12071211 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Continuous funding event osberved Credential on file with no response code 85 osberved prior the auth -Merchant normal -Amount normal -Velocity normal Spot me limit was utilized Balance exhausted No deny codes No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 12071344 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Velocity normal PI in visa observed (Name) -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2380911965 ,2380911966 ,2380911975

Dispute ID: 12070768/12119832 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -EMV denial Spot me limit was utilized Balance exhausted No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12071704 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Requested card closure

Decision Outcome Reasoning: Card active Requested card closure With ZD

Dispute ID: 12071874 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Continuous funding event osberved With valid undisputed card present EMV No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2380931652, 2380931653

Dispute ID: 12071810 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Balance almost exhausted No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12070378 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12071196 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Velocity normal No deny codes No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 12072615 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV -EMV denial Merchant normal -Velocity normal -Amount normal No deny codes No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2380922945

Dispute ID: 12071655 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2380951513

Dispute ID: 12071222 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior and after the auth With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12070936 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning:

Received full merchant credit -No manual funding observed -No spending pattern observed -No cash in/cash out observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance

Dispute ID: 12071436 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth

Continuous funding event With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12072164 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With valid undisputed card present EMV Continuous funding event -Low ending balance No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

12071344

Claim was recategorized from Unauthorized Transaction to credit not posted As per mm fv mm ci because she’s asking about the status of the refund according to the mm she already contacted the merchant about her concern merchant was able to inform mm that they are going to refund the money back to her account

12070666

Dispute ID: 12071704 DND: 2023-11-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed Continuous funding event observed No deny codes Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12117222 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal

Dispute ID: 12116165 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed after the auth Balance exhausted Spot me limit was utilized No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381520030,2381520031

Dispute ID: 12119119 DND: 2023-11-21 Reg Z - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning:

-No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed -High ending balance -No valid undisputed transaction

Dispute ID: 12110867 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Requested card closure

Decision Outcome Reasoning:

Card active Requested card closure with ZD

Dispute ID: 12116810 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381556834, 2381556835 ,2381556842,2381556843

Dispute ID: 12116234 DND: 2023-11-21 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -With freezing/unfreezing observed No deny codes Balance almost exhausted No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12112906 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No freezing/unfreezing observed -No cash in/cash out observed -High ending balance

Dispute ID: 12114874 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Continuous funding event observed No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381570505

Dispute ID: 12119793 DND: 2023-11-21 Reg E - Unauthorized Transaction

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12118359 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Low ending balance No deny codes within UT timeline -No high risk indicator No PII changes observed No ATO Hallmarks ROL Case Number 2381570581

Dispute ID: 12117231 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Balance exhausted
-Spot me limit was utilized No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381570637,2381570638, 2381570639, 2381570640, 2381570641 ,2381570647 2381570648,2381570649, 2381570650

Dispute ID: 12115575 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior and after the auth With valid undisputed card present EMV Pin denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No deny codes -Low ending balance No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381570693

Dispute ID: 12112447 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning:

Card active Request card closure with ZD

Dispute ID: 12117746 /12129760 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Pin denial -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

12117746

Dispute ID: 12114932 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth With valid undisputed card present EMV Continuous funding event observed Balance almost exhausted -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381570863 , 2381570862, 2381570864, 2381570865, 2381570867, 2381570868, 2381570869, 2381570870

Dispute ID: 12118434 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12114501 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed Spot me limit was utilized Balance exhausted Enable of the card prior the auth -No high risk indicator No PII changes observed No ATO Hallmarks

2023-10-19 08:50:04

Dispute ID: 12118262 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -With spending pattern observed Credential on file denial -Merchant normal -Amount normal -Velocity normal Spot me limit was utilized Balance exhausted -No deny codes. No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12129780 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -With spending pattern observed -Merchant normal -Amount normal -Velocity normal -No deny codes. No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2381924120

Dispute ID: 12123380 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -Merchant abnormal -Velocity abnormal -No cash in/cash out observed -High ending balance -No freezing/unfreezing observed

Dispute ID: 12123380 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

•Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction ROL Case Number 2381924172

Dispute ID: 12128155 DND: 2023-11-22 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Credential on file denial -With spending pattern observed Merchant normal -Velocity normal -No deny codes. -Low ending balance No fraud alert observed -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 12129077 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Approved

Received full merchant credit

Decision Outcome Reasoning: -No manual funding observed -Response/deny code observed. -No cash in/cash out observed -No spending pattern observed -No freezing/unfreezing observed ROL Case Number 2381940648

Dispute ID: 12124694 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Pin denial With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2381940854

Dispute ID: 12126217 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Credential on file denial Funding event observed prior the auth Continuous funding event Low ending balance -With spending pattern observed -Velocity normal -Merchant normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 2381940963

11666128

Dispute ID: 11666128 DND: 2023-10-04 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning:

ROL-1610 Dispute is invalid under Dispute Conditions 10.1, 10.2, 10.3 or 10.4 as this transaction was approved after a prior fraud dispute or fraud report.

Requested review on Visa received response as declined. Unable to initiate CB. No recovery option. Approving claim.

Dispute ID: 12128785 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Credential on file denial -Merchant normal -Amount normal -Velocity normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12123406 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -With spending pattern observed -Velocity normal -Merchant normal -Low ending balance No fraud alert observed No deny codes No ATO Hallmarks With freezing/unfreezing observed Disputed transaction is within the state.

Dispute ID: 12129585 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed -Low ending balance -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state.

Dispute ID: 12127756 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Request review

Decision Outcome Reasoning: -No manual funding observed No continuous funding event observed -No valid undisputed transaction -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed

Dispute ID: 12125378 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Continuous funding event observed -Low ending balance No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks With freezing/unfreezing observed Disputed transaction is within the state.

Dispute ID: 12128879 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed -Merchant normal -Velocity normal Balance exhausted -No high risk indicator No ATO Hallmarks ROL Case Number 2381958400,2381958396, 2381958397, 2381958398, 2381958399

12128215 12124386 12126363 12121266 12125785 12120939

Dispute ID: 12128215 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -Velocity abnormal -Amount abnormal -Merchant abnormal -Out of the vicinity -No freezing/unfreezing observed -No cash in/cash out observed

Dispute ID: 12124386 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed No fraud alert observed No deny codes -Low ending balance No PII changes observed No ATO Hallmarks Disputed transaction is within the state.

Dispute ID: 12121266 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Credential on file RECURRING FLAGYES -Merchant normal -Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2381979735,2381979736

Dispute ID: 12125785 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -Amount abnormal -No cash in/cash out observed -No spending pattern observed -No freezing/unfreezing observed

Dispute ID: 12120939 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed -With spending pattern observed -Merchant normal -Velocity normal Balance exhausted Spot me limit was utilized No fraud alert observed No PII changes observed No ATO Hallmarks ROL Case Number 2381979920, 2381979910, 2381979912, Related case 2381979913, 2381979914, 2381979915, 2381979916, 23819799

18, 2381979919

Dispute ID: 12131446 DND: 2023-11-23 Reg E - Unauthorized Transaction

*Late dispute Filling *No extenuating circumstances

4985032107795175

Dispute ID: 12130971 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Low ending balance No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2382413417

Dispute ID: 12132140 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth -Merchant normal -Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

4232230236630443

Dispute ID: 12134215 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -Amount abnormal -No cash in/cash out observed -No spending pattern observed -Response/deny code observed. -No freezing/unfreezing observed

Dispute ID: 11583259 DND: 2023-09-28 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning: Chargeback timeframe expired Chargeback lost

Dispute ID: 12132140 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth -Merchant normal -Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks

Dispute ID: 12134045 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV Low ending balance No deny codes No fraud alert observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12134603 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed

Dispute ID: 12131756 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Amount normal -Velocity normal -Low ending balance -No high risk indicator No PII changes observed No ATO Hallmarks

Dispute ID: 12130898 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed Continuous funding event observed -Merchant normal -Velocity normal No fraud alert observed No PII changes observed No ATO Hallmarks

4232230237690206

Dispute ID: 12133742 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Amount abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

4232231112893766

Dispute ID: 12134915 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction. ROL Case Number 2382453912

Dispute ID: 12132093 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -EMV denial With valid undisputed card present EMV No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12130535 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed Continuous funding event observed Merchant normal Velocity normal No deny codes No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12134059 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning

Card active Request card closure with ZD

4232232023943575

Dispute ID: 12130593 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 238246140,42382461405, 2382461406, 2382461407

Dispute ID: 12133482 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed -EMV denial -Low ending balance No fraud alert observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

4232231049652186

Dispute ID: 12132822 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed -Low ending balance No fraud alert observed No ATO Hallmarks

Dispute ID: 12131052 DND: 2023-11-23 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Continuous funding event observed With valid undisputed card present EMV No fraud alert observed No deny codes
No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12132875 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed No fraud alert observed No deny codes
No PII changes observed No ATO Hallmarks

4232231124657795

Dispute ID: 12131521 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed

4985031046279473

12112447 12110867

Dispute ID: 12112447 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed -No valid undisputed transaction -No freezing/unfreezing observed

Dispute ID: 12110867 DND: 2023-11-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed Pin denial No fraud alert observed -With freezing/unfreezing observed -No high risk indicator No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12139725 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Amount abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

Dispute ID: 12145546 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed Spot me limit was utilized Balance exhausted No fraud alert observed No deny codes
No PII changes observed No ATO Hallmarks

Dispute ID: 12138151 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No cash in/cash out observed -No spending pattern observed -Velocity abnormal -Merchant abnormal -Amount abnormal -High ending balance -No freezing/unfreezing observed

Dispute ID: 12146053 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial Funding event prior the auth observed Continuous funding event observed .-Merchant normal -Velocity normal .No fraud alert observed No deny codes
No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12145190 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed Continuous funding event observed .No fraud alert observed No deny codes
No PII changes observed No ATO Hallmarks

4985032059347272

Dispute ID: 12143730 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

Dispute ID: 12138870 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event prior the auth observed Continuous funding event observed .No fraud alert observed
-Merchant normal -Velocity normal No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2382686495, 2382686496

Dispute ID: 12142776 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning •Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction. ROL Case Number 2382717511

Dispute ID: 12147422 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No cash in/cash out observed -High ending balance -Merchant abnormal -No spending pattern observed -Amount abnormal -Velocity abnormal

4232231144099721

Dispute ID: 12145082 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Amount abnormal -No cash in/cash out observed -No manual funding observed -No freezing/unfreezing observed

4232230133242698

Dispute ID: 12144973 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior and aftet the auth With valid undisputed card present EMV -Merchant normal -Velocity normal .No fraud alert observed
NI deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2382700067,2382700068, 2382700069, 2382700070

12138073 12138933 12140443 12145454

Dispute ID: 12138073/12155239 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior and after the auth Pin denial -Low ending balance No fraud alert observed
No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12138933 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior and aftet the auth Low ending balance -No high risk indicator No PII changes observed No ATO Hallmarks

Dispute ID 12150651 Recat to transaction was cancelled As per penny I contacted chime to try to stop these transactions multiple times. They told me they blocked whatever this merchant is. Clearly not.

Dispute ID: 12140443 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning

Card active Requested card closure with ZD Ticket ‭#79187588‬

4232232185614378

Dispute ID: 12145454 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event prior the auth observed Continuous funding event observed -Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2382700089,2382700090, 2382700091

ROL-1600 Dispute is invalid as a dispute already exists for the full transaction amount of this transaction.

Pre arb won

Dispute ID: 11930475 DND: 2023-11-02 Reg E - Unauthorized Transaction Decision Outcome: Pre arb initiated

Decision Outcome Reasoning

Received uncompelling evidence Pre arb initiated

Dispute ID: 11967482 DND: 2023-11-06 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No manual funding observed -No cash in/cash out observed -No spending pattern observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance No recovery option

Dispute ID: 12047516 DND: 2023-11-14 Reg E - Unauthorized Transaction

Chargeback Decision Outcome: Approved

Decision Outcome Reasoning:

Chargeback won acquirer accepted the liability

Dispute ID: 12167878 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2384292784

Dispute ID: 12167719 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No manual funding observed -No spending pattern observed -High ending balance -Response/deny code observed. -No cash in/cash out observed -No valid undisputed transaction -Amount abnormal -No freezing/unfreezing observed

4232232057735277

Dispute ID: 12173449 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Continuous funding event observed -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2384307646,2384307645

Dispute ID: 12173231 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 2384307783 2384307784, Related case 2384307785, 2384307786

. Dispute ID: 12163846 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received partial credit

Decision Outcome Reasoning: Funding event observed prior the auth Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12185917 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Pin denial With valid undisputed card present EMV No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state

Dispute ID: 12154671 DND: 2023-11-25 Reg E - Unauthorized Transaction Decision Outcome: Pending

Decision Outcome Reasoning:

Waiting for link dispute to settle.

4232232056630644

Dispute ID: 12163357 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Continuous funding event observed Pin denial No fraud alert observed
No deny codes No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2384331771, 2384331772, 2384331773, Related case 2384331774, 2384331775, 2384331776, 2384331777, 2384331778

Dispute ID: 12184189/12186880 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Funding event observed prior the auth Continuous funding event observed Pin denial -Merchant normal -Amount normal -Velocity normal Low ending balance No fraud alert observed
Disputed transaction is within the state

Dispute ID: 12174245 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning:

Card active Request card closure With ZD

Dispute ID: 12162355 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Credential on file denial -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

12161564 12185146 12163394

Dispute ID: 12161564 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV Pin denial -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state.

Dispute ID: 12185146/12186891 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state. ROL Case Number 2384349117,2384349115, 2384349116

4232231138582328

Dispute ID: 12163394 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12163394 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning:

-No cash in/cash out observed -No freezing/unfreezing observed -High ending balance -No spending pattern observed -Amount abnormal

ROL-3571 Dispute is invalid under Dispute Condition 10.4 for an ECI 5 Token Transaction where the Token Authentication Verification Value (TAVV) was included in the Authorization Request.

Dispute ID: 12167313 DND: 2023-11-27 Reg E - Unauthorized Transaction

Decision Outcome: Deny Decision Outcome Reasoning:

• Previous transaction
• Dollar amount and velcoity is normal
• Low ending balance
• No fraud alert within UT timeframe
• No strong signs of ATO/ PII changed within UT timeframe
• Credential on file denial VROL: 2384345875, 2384345903

4985031100084033 philip.fernandez 2121 Dispute ID: 12182594 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth -EMV denial No fraud alert observed
No deny codes With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state. ROL Case Number 2384365019,2384365020

Dispute ID: 12174245 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Approved.

Decision Outcome Reasoning:

Received full merchant credit

4232232146789038

Dispute ID: 12176325 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth Credential on file denial Merchant normal Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 2384893831,2384893832, 2384893833

Dispute ID: 12175826 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed Pin denial With valid undisputed card present EMV -Merchant normal -Amount normal -Velocity normal No fraud alert observed
No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 23848939502384893951, 2384893952

Dispute ID: 12184334 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No spending pattern observed -No cash in/cash out observed -Merchant abnormal -Velocity abnormal -Amount abnormal -High ending balance -No freezing/unfreezing observed No recovery option

ROL-3571- Dispute is invalid under Dispute Condition 10.4 for an ECI 5 Token Transaction where the Token Authentication Verification Value (TAVV) was included in the Authorization Request.

4232232189788657

Dispute ID: 12182267 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No freezing/unfreezing observed

Dispute ID: 12179711 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed -With cash in/cash out observed PI in -Merchant normal -Velocity normal -Low ending balance No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2384920890,2384920891,2384920892

Dispute ID: 12184263 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning No funding event prior the auth -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No cash in/cash out observed No recovery option ROL Case Number 2384941026

12183621 12179794 12179794 12180352 12176367 12171737 12170119 12162430

Dispute ID: 12183621 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV -EMV denial -Merchant normal -Velocity normal No deny codes osberved within UT timeline No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 12179794 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth Continuous funding event observed With valid undisputed card present EMV Balance almost exhausted -With spending pattern observed PI in visa observed(phone number) -Merchant normal -Velocity normal No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2385049557, 2385049554, 2385049555, 2385049556

Dispute ID: 12180352 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning Continuous funding event observed Balance exhausted Spot me limit was utilized With valid undisputed card present EMV -Merchant normal -Amount normal -Velocity normal No fraud alert observed
No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

Dispute ID: 12176367 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth Continuous funding event observed With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 2385049878,2385049875, 2385049876, 2385049877

Dispute ID: 12171737 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Credential on file Funding event observed prior the auth -Merchant normal -Amount normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 2385058567

Dispute ID: 12170119 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Balance exhausted Spot me limit was utilized No fraud alert observed
No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2385058622, 2385058623

Dispute ID: 12162430 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Requested card closure

Decision Outcome Reasoning

Requested card closure with ZD Ticket ‭#79448929‬

Dispute ID: 12177759 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -No valid undisputed transaction -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance

Dispute ID: 12191947 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV Pin denial Balance exhausted No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

12180808 12162430

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12180808 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Approved

Received full merchant credit

Decision Outcome Reasoning -No manual funding observed -Merchant abnormal -No cash in/cash out observed -Amount abnormal -Velocity abnormal -Response/deny code observed. -With PII change observed -No freezing/unfreezing observed No recovery option ROL Case Number 2385600817,2385600818, 2385600819, 2385600820, 2385600821, 2385600822, 2385600823 ,2385600838

WINN-DIXIE #0290, FT LAUDERDALE, FLUS,

WINN-DIXIE #0290, FT LAUDERDALE, FLUS

Dispute ID: 12162430 DND: 2023-11-26 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -With PII change observed

Dispute ID: 12188759 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed -Response/deny code observed. No recovery option

Dispute ID: 12193788 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Continuous funding event observed With valid undisputed card present EMV No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12195453 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance

4232232131356728

Dispute ID: 12190583 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed Credential on file denial With valid undisputed card present EMV PI in visa observed (Email) -Merchant normal -Amount normal -Velocity normal -Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12194325 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed Funding event observed -Merchant normal -Velocity normal Balance exhausted No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12189436 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No freezing/unfreezing observed -Velocity abnormal -No cash in/cash out observed -Merchant abnormal -Amount abnormal -High ending balance -Response/deny code observed.

Dispute ID: 12200288 DND: 2023-11-29 Reg E - Unauthorized Transaction

-No manual funding observed -No spending pattern observed -No cash in/cash out observed -High ending balance -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -Response/deny code observed.

Dispute ID: 12193852 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Continuous funding event observed With valid undisputed card present EMV Spot me limit was utilized Balance exhausted No fraud alert observed
No deny codes -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2385654581

Dispute ID: 12197607 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

•Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction.

Dispute ID: 12191164 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning

Card active Request card closure With ZD

Dispute ID: 12191679 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Credential on file denial -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12205920 DND: 2023-11-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2385654878, 2385654879
.

Dispute ID: 12185867 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning

Card active Request card closure with ZD

0615

Dispute ID: 12184325 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning

Dispute ID: 12184976 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth Spot me limit was utilized -Merchant normal -Velocity normal Balance exhausted No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 23856750372385675038, 2385675039, 2385675040 ,2385675054

Dispute ID: 12196697 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Credential on file denial Funding event observed prior the auth PI in visa observed (phone number ) -Merchant normal -Amount normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2385675198,2385675195, 2385675196, 2385675197

Dispute ID: 12186989 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present EMV Funding event observed -Merchant normal -Velocity normal -No high risk indicator No PII changes observed No ATO Hallmarks ROL Case Number 2385675340, 2385675341,2385675342, 2385675343

4232230222073723

Dispute ID: 12189832 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial With valid undisputed card present EMV -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks Disputed transaction is within the state. ROL Case Number 2385675449 , 2385675444, 2385675445, 2385675446, 2385675447, 2385675448

Dispute ID: 12190829 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial With valid undisputed card present EMV Funding event observed prior the auth -With spending pattern observed -Merchant normal -Velocity normal -Low ending balance Balance exhausted Spot me limit was utilized No fraud alert observed
No PII changes observed No ATO Hallmarks Disputed transaction is within the state.

Dispute ID: 12186644 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning PI in visa matched -Merchant normal -Amount normal No fraud alert observed
No ATO Hallmarks ROL Case Number 2385746688,2385746689,2385746687

Dispute ID: 12184325 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Merchant abnormal -Amount abnormal -Amount abnormal -No manual funding observed -Response/deny code observed. -No freezing/unfreezing observed

4232232016083132

Dispute ID: 12194828 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial -Merchant normal -Velocity normal -Low ending balance No fraud alert observed
No PII changes observed No ATO Hallmarks Disputed transaction is within the state. ROL Case Number 2386282529, 2386282530

Dispute ID: 12197272 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With spending pattern observed -Merchant normal -Amount normal -Velocity normal -Low ending balance No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12140443 DND: 2023-11-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -Merchant normal -Amount normal -Velocity normal -Spot me limit was utilized -Exhausted balance No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID:12187700. Case Recategorized to Non receipt of Goods or Services because as per CH via penny "Daughter used card to purchase item that never arrived. Tried to contact company for refund. No response.". Escalated

4232231146913812

Dispute ID: 12134059 DND: 2023-11-23 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Amount abnormal -No cash in/cash out observed -No continuous funding observed -No valid undisputed transaction -Response/deny code observed.

Dispute ID: 12127756 DND: 2023-11-22 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: -No manual funding observed No continuous funding event observed -No valid undisputed transaction -No spending pattern observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal No recovery option -No cash in/cash out observed ROL Case Number 2386290120,2386290121

4232230120517086

Dispute ID: 12197017 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With valid undisputed card present EMV PI in visa matched -EMV Denial No fraud alert observed
No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2386290146,2386290145

4232232035312504

Dispute ID: 12196578 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Funding event observed prior the auth -Credential on file denial -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2386295451,2386295452

4232232077244755

Dispute ID: 12197127 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Velocity normal -Amount normal -Low ending balance No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2386295467

468114851800

Dispute ID: 12119119 DND: 2023-11-21 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

From the original auth, Funding event observed prior the auth Low ending balance No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks

12197892 12197248 12197680 12197887 12189867 12196633 12196772 12196745 12196857 12197503

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12197892 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Funding event observed prior the auth -Merchant normal -Amount normal -Velocity normal Balance exhausted No deny codes osberved within UT Timeline No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12197248 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial Funding event observed prior the auth Balance exhausted -Spot me limit was utilized -Merchant normal -Amount normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks Disputed transaction is within the state -With freezing/unfreezing observed ROL Case Number 23863215672386321565, 2386321566

Dispute ID: 12197680 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed prior the auth -Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

4232232091361148

Dispute ID: 12197887 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed -Response/deny code observed.

4985031101527873

Dispute ID: 12196633 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received partial credit

Decision Outcome Reasoning

Funding event observed prior the auth -Continuous funding observed -Merchant normal -Velocity normal -Spot me limit was utilized Balance exhausted No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2386321684

2023-11-28 02:07:35

Dispute ID: 12196772 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed -Credential on file denial -Merchant normal -Amount normal -Velocity normal No deny codes osberved within UT Timeline No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2386321704

Dispute ID: 12196745 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With spending pattern observed -With cash in/cash out observed -Merchant normal -Amount normal -Velocity normal -Spot me limit was utilized Balance exhausted No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

4232231192287764

Dispute ID: 12196857 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -Amount abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

4232231167500647

Dispute ID: 12197503 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -No cash in/cash out observed -Merchant abnormal -No freezing/unfreezing observed -Amount abnormal -Velocity abnormal -With PII change observed

Dispute ID: 12221145 DND: 2023-12-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received partial credit

Decision Outcome Reasoning Funding event osberved -Pin denial -Spot me limit was utilized Balance exhausted .-Merchant normal -Amount normal -Velocity normal No deny codes No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks -Within the state

Dispute ID: 12216361 DND: 2023-12-01 Reg E - Unauthorized Transaction. Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved -Continuous funding observed -Pin denial -Merchant normal -Amount normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state

Dispute ID: 12117222 DND: 2023-11-21 Reg E - Unauthorized Transaction

Chargeback Decision Outcome: Deny

Claim Denied following Chargeback Outcome

• Compelling evidence
• Name and email address matched

Dispute ID: 12221128 DND: 2023-12-02 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning

-No spending pattern observed -Amount abnormal -No freezing/unfreezing observed -No cash in/cash out observed -High ending balance

Dispute ID: 12220382 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event osberved -Low ending balance No deny codes No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks

2023-11-06 19:12:13

Dispute ID: 12215175 DND: 2023-12-01 Reg E - Unauthorized Transaction . Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior and after the auth Low ending balance -Merchant normal -Amount normal -Velocity normal No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12215809 DND: 2023-12-01 Reg E - Unauthorized Transaction . Decision Outcome: Deny

Decision Outcome Reasoning -EMV Denial -Pin denial Funding event osberved -Merchant normal -Velocity normal Continuous funding event osberved No deny codes -Low ending balance No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2386527979,2386527980

Dispute ID: 12206469 DND: 2023-11-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth Continuous funding event osberved -Merchant normal -Velocity normal -Pin denial -Low ending balance No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2386558751,2386558752, 2386558753

Dispute ID: 12220972/12229563 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed -Pin denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal Continuous funding event observed Balance exhausted -Spot me limit was utilized No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state

Dispute ID: 12214371 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -No manual funding observed -Amount abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

Dispute ID: 12221192 DND: 2023-12-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Continuous funding observed With valid undisputed card present EMV Funding event observed after the auth -Merchant normal -Velocity normal No deny codes
No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12221063 DND: 2023-12-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed With valid undisputed card present EMV -Continuous funding observed Balance almost exhausted -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12221086 DND: 2023-12-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed -Merchant normal -Velocity normal -Credential on file denial -Low ending balance No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2386554898,2386554899, 2386554900, 2386554901

Dispute ID: 12221126 DND: 2023-12-02 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No funding event prior -No spending pattern observed -No cash in/cash out observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance

Dispute ID: 12212752 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth Balance almost exhausted No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12212083 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Merchant normal -Amount normal -Velocity normal -Spot me limit was utilized Balance exhausted -No high risk indicator No PII changes observed No ATO Hallmarks ROL Case Number 2386577626,2386577627

Dispute ID: 12212955/12229801 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Pin denial With valid undisputed card present EMV -Low ending balance No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks Within state ROL Case Number 2386554978,2386554979

Dispute ID: 12220414 DND: 2023-12-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Low ending balance No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks

DECEMBER 2

Dispute ID: 12255191 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Pin denial With valid undisputed card present EMV No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state

4232231171314910

Dispute ID: 12254158 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event osberved prior the auth -Merchant normal -Amount normal -Velocity normal No deny codes No fraud alert observed
Enable of the card prior the auth No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2388063047,2388063048

Dispute ID: 12154671 DND: 2023-11-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

With valid undisputed card present EMV -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2388063248Related case 2388063249, Related case 2388063250, Related case 2388063251, Related case 2388063252, Related case 2388063253, Related case 2388063254, Related case 2388063255, Related case 2388063256, Related case 2388063257, Related case 2388063258

Dispute ID: 12112447 DND: 2023-11-21 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approve

Claim Approved following Chargeback Outcome Acquirer Accepted Liability

Received uncompelling evidence

Dispute ID: 12014867 DND: 2023-11-10 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence
pre arb initiated

Dispute ID: 11253874 DND: 2023-10-23 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approve

Claim Approved following Chargeback Outcome

• Timeframe expired expired

Dispute ID: 11937065 DND: 2023-11-03 Reg E - Unauthorized Transaction Pre-Arb Decision Outcome: Approve

Claim Approved following Pre arb Outcome

• Timeframe expired expired

Dispute ID: 11964405 DND: 2023-11-06 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approve Claim Approved following Chargeback Outcome Acquirer Accepted Liability

Received full merchant credit

Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome

• Compelling evidence
• Name and address matched

Dispute ID: 11972842 DND: 2023-11-06 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny Claim Denied following Chargeback Outcome

• Compelling evidence Phone number and email matched

Dispute ID: 11976474 DND: 2023-11-07 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence
Pre arb initiated

CB lost

12185867 12191164 12167719

Dispute ID: 12185867 DND: 2023-11-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Continuous funding observed -Credential on file denial PI in visa matched (phone number)
-Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2388093799, 2388093795, 2388093796, 2388093797, 2388093798

Dispute ID: 12191164 DND: 2023-11-29 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No cash in/cash out observed -Velocity abnormal -Merchant abnormal -Amount abnormal -High ending balance -Response/deny code observed.

Dispute ID: 12256807/12261888 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth -With valid undisputed card present EMV -Pin denial -EMV Denial -Amount normal -Velocity normal

• No deny codes No fraud alert observed
  No PII changes observed No ATO Hallmarks -Within the state

Dispute ID: 12258420 DND: 2023-12-05 Reg E - Unauthorized Transaction. Decision Outcome: Case ongoing

Decision Outcome Reasoning

Requested additional information

4232230270819571

Dispute ID: 12258703 /12261956 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth Spot me limit was utilized Balance exhausted No deny codes No fraud alert observed
Enable of the card prior No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2388109177

Dispute ID: 12257902 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 12252696 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny/Approved

Received full merchant credit

Decision Outcome Reasoning Funding event observed prior the auth -Continuous funding observed -Pin denial -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2388109337,2388109333, 23881093342388109335, 2388109336

Dispute ID: 12257902 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial Spot me limit was utilized Balance exhausted Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state

4232230244458019

Dispute ID: 12256912 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -No fraud alert observed
No PII changes observed No ATO Hallmarks No deny codes -Within the state ROL Case Number 2388122604

12256156 12255690 12255413 12259376 12256461 12256120 12257817 12252137 12259029

Dispute ID: 12259376 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continuous funding observed -Pin denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal -With freezing/unfreezing observed Spot me limit was utilized Balance exhausted -With valid undisputed card present EMV No PII changes observed No ATO Hallmarks No deny codes Within the state

Dispute ID: 12256156 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome:Deny

Decision Outcome Reasoning

Funding event observed prior the auth With valid undisputed card present EMV EMV Denial Merchant normal Velocity normal -Low ending balance No fraud alert observed
No ATO Hallmarks No deny codes Within the state ROL Case Number 2388122822,2388122819, 2388122820, 2388122821

Dispute ID: 12255690 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -With spending pattern observed -Merchant normal -Velocity normal -No fraud alert observed
-With freezing/unfreezing observed No PII changes observed No ATO Hallmarks No deny codes -Within the state ROL Case Number 2388122991

12256461 12256120 12257817 12252137 12259029

Dispute ID: 12256461 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -Low ending balance -Merchant normal -Velocity normal No PII changes observed No ATO Hallmarks No deny codes -Within the state -No fraud alert observed
ROL Case Number 2388132301,2388132302, 2388132303, Related case 2388132304 ,2388132377,2388132376

Dispute ID: 12259029/12262236 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -With spending pattern observed -Merchant normal -Velocity normal -No fraud alert observed
No ATO Hallmarks -Within the state ROL Case Number 2388138518 2388138519, 2388138520, 2388138521 ,2388138533

Dispute ID: 12256120 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth With spending pattern observed -Merchant normal -Velocity normal -No fraud alert observed
-Low ending balance No PII changes observed No ATO Hallmarks No deny codes -Within the state

12252137

Dispute ID: 12257817 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed prior the auth -Continuous funding observed -Pin denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No PII changes observed No ATO Hallmarks No deny codes -Within the state

4985031130714658

Dispute ID: 12252137 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2388138939

4232230276120628

Dispute ID: 12258420 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

-Pin denial -No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2388697702,2388697703, 2388697704

4985031100438908.

Dispute ID: 12261389 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Continuous funding observed Funding event observed Prior the auth -With freezing/unfreezing observed -No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks ROL Case Number 2388697888

4985031150453591

Dispute ID: 12255477 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With valid card present EMV -Merchant normal -Amount normal No fraud alert observed
No deny codes -Within the state -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks ROL Case Number 2388710248,2388710246, 2388710247, 2388710249

Dispute ID: 11820115 DND: 2023-10-21 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome

12241574

Dispute ID: 12244850 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Credential on file denial -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12261509 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Request card closure

Decision Outcome Reasoning

Card active Request card closure

Dispute ID: 12256144 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Sms over ride captured No fraud alert observed
No deny codes observed within UT Timeline No PII changes observed No ATO Hallmarks

4232230240007463

Dispute ID: 12260508 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -Response/deny code observed. -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

Dispute ID: 12241323 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Additional information

Decision Outcome Reasoning

Request Additional information

Dispute ID: 12240645 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Credential on file denial -With spending pattern observed -Merchant normal -Velocity normal -Spot me limit was utilized Balance exhausted No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

4985032165004213

Dispute ID: 12250675 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Amount abnormal -No cash in/cash out observed -Response/deny code observed. -No freezing/unfreezing observed

4232231138955185

Dispute ID: 12248359 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed No SMS override -No cash in/cash out observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance No recovery option

12246959 12247760 12244629 12243815 12248169

Dispute ID: 12242713 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth -Low ending balance No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12246959 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior the auth No fraud alert observed
PI observed In visa (Phone number) -With freezing/unfreezing observed No deny codes No ATO Hallmarks ROL Case Number 2388817281,2388817279, 2388817280

Dispute ID: 12247760 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed -Merchant normal -Amount normal -Velocity normal PI in visa osberved (email address) Enable of the card prior Balance almost exhausted No high risk indicator No PII changes observed No ATO Hallmarks ROL Case Number 2388817403, 2388817400, 2388817401, 2388817402 ,2388817421,2388817420

12243815 12248169

Dispute ID: 12244629 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With valid undisputed card present EMV -Credential on file denial -With spending pattern observed -Merchant normal -Velocity normal No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12243815 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning .-No manual funding observed -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -High ending balance -No cash in/cash out observed -No freezing/unfreezing observed

4985032195517507

Dispute ID: 12248169 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -Merchant abnormal -Velocity abnormal -Amount abnormal -Response/deny code observed. -High ending balance -No cash in/cash out observed

12261509

Dispute ID: 12259235 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Card closure

Decision Outcome Reasoning

Card active Request card closure

Dispute ID: 12261509 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Funding event observed No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12046635 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event observed -Spot me limit was utilized Balance exhausted No fraud alert observed
No deny codes No PII changes observed No ATO Hallmarks

Dispute ID: 12281151 DND: 2023-12-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed Continuous funding event observed -Merchant normal -Velocity normal Balance almost exhausted No fraud alert observed
No PII changes observed No ATO Hallmarks

Dispute ID: 12267270 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Credential on file denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal

• No deny codes No fraud alert observed
  No PII changes observed No ATO Hallmarks

Dispute ID: 12263630 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No spending pattern observed -No manual funding observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No cash in/cash out observed -Response/deny code observed.

Dispute ID: 12269334 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial Funding event prior the observed -Low ending balance -Merchant normal -Velocity normal

• No deny codes No fraud alert observed
  No ATO Hallmarks

Dispute ID: 12269760 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed Funding event prior the observed -Spot me limit was utilized Balance exhausted -Merchant normal -Velocity normal No deny codes No fraud alert observed
No ATO Hallmarks

Dispute ID: 12259027 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed -Pin denial -Low ending balance No deny codes Enabled of the card observed prior the auth No fraud alert observed
No PII changes observed No ATO Hallmarks -Within the state ROL Case Number 2389410434

Dispute ID: 12263387 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Credential on file denial -With spending pattern observed -Merchant normal -Velocity normal No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2389423564

Dispute ID: 12254965 DND: 2023-12-05 Reg E - Unauthorized Transaction .Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed -Credential on file denial -Merchant normal -Amount normal -Velocity normal No deny codes No fraud alert observed
No ATO Hallmarks

Dispute ID: 12267616 DND: 2023-12-06 Reg E - Unauthorized Transaction .Decision Outcome: Deny

Decision Outcome Reasoning With valid card present EMV Spot me limit was utilized Balance exhausted No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2389423734,2389423736, 2389423737

Dispute ID: 12257767 DND: 2023-12-05 Reg E - Unauthorized Transaction .Decision Outcome: Card closure

Decision Outcome Reasoning

Card active Request card closure

Dispute ID: 12254979 DND: 2023-12-05 Reg E - Unauthorized Transaction .Decision Outcome: Deny

Decision Outcome Reasoning -Credential on file denial -With spending pattern observed -Merchant normal -Amount normal -Velocity normal No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks

4985032033947940

Dispute ID: 12264552 DND: 2023-12-06 Reg E - Unauthorized Transaction .Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -Continuous funding observed -Merchant normal -Velocity normal No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks Within state ROL Case Number 2389460180 ,2389460181

Dispute ID: 12268742 DND: 2023-12-06 Reg E - Unauthorized Transaction .Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed -Merchant normal -Velocity normal -Spot me limit was utilized Balance exhausted -Credential on file denial No deny codes No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2389460239

Dispute ID: 12271969 DND: 2023-12-06 Reg E - Unauthorized Transaction .Decision Outcome: Approved

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -No continuous funding observed -Amount abnormal -High ending balance -No cash in/cash out observed -No valid undisputed transaction -No freezing/unfreezing observed No recovery option

12264571 12269939 12272057

Dispute ID: 12264571 DND: 2023-12-06 Reg E - Unauthorized Transaction .Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No valid undisputed transaction -No spending pattern observed -Merchant abnormal -Amount abnormal -Velocity abnormal -No freezing/unfreezing observed

Dispute ID: 12269939 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the observed -Low ending balance No fraud alert observed
No PII changes observed No ATO Hallmarks ROL Case Number 2389480514,2389480515, 2389480516, Re2389480517, 2389480518, 2389480519

4232232172300817

4232232164104615

Dispute ID: 12272057 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event osberved prior and after the auth -Merchant normal -Amount normal -Velocity normal No fraud alert observed
-With freezing/unfreezing observed

• No deny codes -Low ending balance No PII changes observed No ATO Hallmarks ROL Case Number 2389480566

Dispute ID: 11888929 DND: 2023-10-29 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Approved following Chargeback Outcome

• Compelling evidence -Phone and email address matched

Dispute ID: 12257767 DND: 2023-12-05 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No manual funding observed -No spending pattern observed -Amount abnormal -No freezing/unfreezing observed

4232230255988516

Dispute ID: 12294532 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed -Spot me limit was utilized Balance exhausted No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2389999908,2389999909, 2389999910

Dispute ID: 12292057 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed -Spot me limit was utilized Balance exhausted No fraud alert observed

• No deny codes Enable of the card observed prior the auth No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2389999921,2389999922, 2389999923

Dispute ID: 12295199 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed -Continuous funding observed -Spot me limit was utilized Balance exhausted -Velocity normal -Merchant normal No fraud alert observed
Enable of the card observed prior the auth No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2389999958 , 2389999952, 2389999953, Related case 2389999954, 2389999955, 2389999956, 2389999957

Dispute ID: 12292883 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed -Spot me limit was utilized Balance exhausted -Merchant normal -Amount normal -Velocity normal Within the state No fraud alert observed

• No deny codes observed prior the auth No PII changes observed No ATO Hallmarks ROL Case Number 2389999985,2389999986

Dispute ID: 12294892 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial Funding event prior the auth observed -Low ending balance No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2390032002

4232231100164279

Dispute ID: 12294001/12296325 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial Funding event prior the auth observed -Merchant normal -Amount normal -Velocity normal -Continuous funding observed No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2390032030,2390032031 , 2390032036

Dispute ID: 12291512 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Funding event prior the auth observed -With valid undisputed card present EMV No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state

Dispute ID: 12292328 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No spending pattern observed -Velocity abnormal -Merchant abnormal -Amount abnormal -No cash in/cash out observed -No freezing/unfreezing observed No recovery option 4985032140711999

Dispute ID: 12292702 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -EMV Denial -With valid undisputed card present EMV No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2390032104,2390032105

Dispute ID: 12294189/12296739 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -Merchant normal -Velocity normal No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state

4985032112703339

Dispute ID: 12294142 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial Funding event prior the auth observed Balance exhausted -Merchant normal -Velocity normal No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state

Dispute ID: 12290777 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial No fraud alert observed

• No deny codes No PII changes observed No ATO Hallmarks Within the state

4985032080556974

Dispute ID: 12269807/12296772 DND: 2023-12-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Pin denial -Merchant normal -Velocity normal No fraud alert observed
No PII changes observed No ATO Hallmarks Within the state ROL Case Number 2390054145, 2390054146 ,2390054150 2390054151, 2390054152 ,2390054166 ,2390054167

*Late dispute Filling *No extenuating circumstances

4232230210580101

Dispute ID: 12292463 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With spending pattern observed -Credential on file denial -Merchant normal -Velocity normal

• No deny codes No fraud alert observed
  No PII changes observed No ATO Hallmarks ROL Case Number 2390298700, 2390298701

Dispute ID: 12395486 DND: 2023-12-19 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone was lost, and password was not stated shared. -Account received funding prior to the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device (976d5909-08ef-41bf-9bbd-118a8d60cd77) that was used to initiate unauthorized transfer was in use from November 03, 2023 to December 19, 2023 the IP Address - 71.79.140.242 used to initiate the unauthorized was traced to a location in OHIO, which matches the CH’s address.
• IP ADDRESS ( 71.79.140.242 ) that was used to initiate unauthorized transfer was in use from November 04, 2023 to December 10, 2023.

Dispute ID: 12404808 DND: 2023-12-20 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone was lost, and password was not stated shared. There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. • The IP log does not reflect the device ID, IP address, Device carrier nor the time zone during the initiation of the disputed transfer indicating possible system glitch. If phone was STOLEN but was used to file the dispute: Investigation showed no ATO hallmark

:trophy: :gun:

Dispute ID: 12414896 DND: 2023-12-21 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

-Phone was not lost or stolen. Password was not stated if shared or not.

• No PII changes occurred

• No password reset occurred

• No login failed attempt occurred -Device ID 3C1BF003-DB01-414D-928F F22DDFA9AAB1 that was used to initiate unauthorized transfer was in used from 2023-09-01 up to 2023-12-19.

• IP address 107.123.1.122 that was used to initiate unauthorized transfer was traced to a location TX which matches the CH address.

• There was a Direct Deposit prior to the disputed transfer.

• Recipients is part of CH contact information. No ATO hallmarks

  "DEVICE_ID": "3C1BF003-DB01-414D-928F-F22DDFA9AAB1", "DEVICE_MODEL": "iPhone15,3", "DEVICE_NAME": "iPhone", "DEVICE_TYPE": "ios", "IP": "107.123.1.122", "OS_NAME": "iOS", "TIMEZONE": "America/Chicago"

901-328-5640

Dispute ID: 12426027 DND: 2023-12-22 Reg E - Duplicate Charge Decision Outcome: Ongoing

Decision Outcome Reasoning • Sent fax of Proof of Authorization Request to Merchant’s bank.

-Phone was not lost or stolen. Password was not stated if shared or not.

• No PII changes occurred
• No password reset occurred
• No login failed attempt occurred

Dispute ID: 12462854 DND: 2023-12-27 Reg E - Transfer to Incorrect Recipient -Device ID 3C1BF003-DB01-414D-928F F22DDFA9AAB1 that was used to initiate unauthorized transfer was in used from 2023-09-01 up to 2023-12-19.

• IP address 107.123.1.122 that was used to initiate unauthorized transfer was traced to a location TX which matches the CH address.
• There was a Direct Deposit prior to the disputed transfer.
• Recipients is part of CH contact information. No ATO hallmarks

Dispute ID: 12453421 DND: 2023-12-26 Reg E - Unauthorized Transfer Decision Outcome: Approved

Decision Outcome Reasoning:

-Phone was not lost or stolen. Password was not stated if shared or not.

• As per penny "Mm said this person told him that he worked for Chime, and this person said that it was part of verification and he should have to download application ANYDESK.
• Potential ACCOUNT TAKE OVER.

Dispute ID: 12453421 DND: 2023-12-26 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

-Phone was not lost or stolen. Password was not stated if shared or not.

• Account received funding prior to the disputed transfer. -There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -CH address matches Recipient's address.
• Recipients is part of CH contact information. -Device ID e4399aa4-15f4-4fb9-8bbf-c1edcf80c540 that was used to initiate unauthorized transfer was in used from 2023-04-29 up to 2023-12-24. -IP address 99.90.85.193 that was used to initiate unauthorized transfer was traced to a location CA which matches the CH address.
• No ATO hallmarks

Dispute ID: 12462854 DND: 2023-12-27 Reg E - Transfer to Incorrect Recipient Decision Outcome: Deny

Decision Outcome Reasoning:

CH claims money was transferred to an incorrect recipient. Upon checking CH’s IP Log, the (Nickname) that was entered/selected as the recipient of the Pay Friends Transfer during initiation matches the actual Recipient’s (Nickname) in (his/her) profile. Confirmation was received from the CH after the recipient was entered/selected. No system issues detected. Unable to reverse transfers once they have posted and settled

Recipient: Money was transferred to this account.

Dispute ID: 12465445 DND: 2023-12-27 Reg E - Transfer to Incorrect Recipient Decision Outcome: Deny

Decision Outcome Reasoning:

CH claims money was transferred to an incorrect recipient. Upon checking CH’s IP Log, the (Nickname) that was entered/selected as the recipient of the Pay Friends Transfer during initiation matches the actual Recipient’s (Nickname) in (his/her) profile. Confirmation was received from the CH after the recipient was entered/selected. No system issues detected. Unable to reverse transfers once they have posted and settled

Recipient: Money was transferred to this account.

Dispute ID: 12465445 DND: 2023-12-27 Reg E - Transfer to Incorrect Recipient Decision Outcome: Deny

Decision Outcome Reasoning:

Recipient: Money was transferred to this account.

Dispute ID: 12473916 DND: 2023-12-28 Reg E - Unauthorized Transfer

Decision Outcome: Deny

Decision Outcome Reasoning:

-Phone was not lost or stolen. Password was not stated if shared or not. -There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.

• Recipients is part of CH contact information. -Account received funding prior to the disputed transfer -Device ID F600FF3F-D563-4043-82C4-CC5434808BD4 that was used to initiate unauthorized transfer was in used from 2023-04-27 up to 2023-12-28. -IP address 12.75.126.51 that was used to initiate unauthorized transfer was traced to a location FL which matches the CH address.

• No ATO hallmarks

  "DEVICE_ID": "F600FF3F-D563-4043-82C4-CC5434808BD4", "DEVICE_MODEL": "iPhone12,1", "DEVICE_NAME": "iPhone", "DEVICE_TYPE": "ios", "IP": "12.75.126.51", "OS_NAME": "iOS", "TIMEZONE": "America/New_York"

-Phone was not lost or stolen. Password was not stated if shared or not. -There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -CH address matches Recipient's address.

• Recipients is part of CH contact information. -Device ID bc54828e-e6b3-47b7-8023-cffcb4e57b09 that was used to initiate Transfer to Incorrect Recipient was in used from 2023-08-18 up to 2023-12-26. -IP address 76.35.73.90 that was used to initiate unauthorized transfer was traced to a location CA which matches the CH address.
• No ATO hallmarks

3124 Lakeview Ave, Dayton, OH 45417 3124 Lakeview Ave., Dayton, OH 45417

{ "DEVICE_ID": "bc54828e-e6b3-47b7-8023-cffcb4e57b09", "DEVICE_MODEL": "DE2118", "DEVICE_NAME": "OnePlusN200TMO", "DEVICE_TYPE": "android", "IP": "76.35.73.90", "OS_NAME": "Android", "TIMEZONE": "America/New_York"

Dispute ID: 12484074 DND: 2023-12-29 Reg E - Duplicate Transfer Amount Decision Outcome: Deny

Decision Outcome Reasoning:

Sender: CH claims funds were transferred twice. Based on CH’s IP log, the number of Pay Friends Initiation events matches the number of Pay Friends Succeeded. No system issues detected. Unable to reverse transfers once they have posted and settled.

Recipient: Funds were transferred twice to this account.

Dispute ID: 12484074 DND: 2023-12-29 Reg E - Duplicate Transfer Amount Decision Outcome: Deny

Decision Outcome Reasoning:

Recipient: Funds were transferred twice to this account.

No PII changes observed No ATO Hallmarks

Dispute ID: 12496538 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Pin denial -Merchant normal -Amount normal -Velocity normal -Low ending balance

• No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2401894096

2023-12-29 08:51:30

Dispute ID: 12494842 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Merchant normal -Amount normal -Velocity normal Balance almost exhausted

• No deny codes Enable of the card observed prior the auth No ATO Hallmarks ROL Case Number 2401894139

Dispute ID: 12491039 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed Balance exhausted -Spot me limit was utilized

• No deny codes Disputed transaction is within the state No PII changes observed No ATO Hallmarks ROL Case Number 2401894166,2401894167, 2401894168

Dispute ID: 12497885 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed Balance exhausted -Spot me limit was utilized

• No deny codes Disputed transaction is within the state No PII changes observed No ATO Hallmarks

Dispute ID: 12491349 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Pin denial No deny codes Enable of the card observed prior the auth Disputed transaction is within the state No PII changes observed No ATO Hallmarks ROL Case Number 2401904108e 2401904109, 2401904110

Dispute ID: 12492763/12504653 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Pin denial No deny codes -Low ending balance Disputed transaction is within the state No PII changes observed No ATO Hallmarks

Dispute ID: 12492451 /12504708 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With valid undisputed card present EMV Contactless transaction observed -Pin denial Credential on file denial PI observed (phone number) -With spending pattern observed -Merchant normal -Amount normal -Velocity normal Disputed transaction is within the state No PII changes observed No ATO Hallmarks ROL Case Number 2401904186,2401904183, 2401904184, 2401904185

Dispute ID: 12495277 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Continuous funding observed -Pin denial Balance exhausted -Spot me limit was utilized -Merchant normal -Velocity normal Disputed transaction is within the state No ATO Hallmarks ROL Case Number 2401904287, 2401904288, 2401904289, 2401904290

Dispute ID: 12496709 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Pin denial -Merchant normal -Velocity normal -Low ending balance No PII changes observed No ATO Hallmarks -With freezing/unfreezing observed Disputed transaction is within the state ROL Case Number 2401904335, 2401904336

Dispute ID: 12493953 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: -With spending pattern observed -Merchant normal -Amount normal -Velocity normal -Low ending balance

• No deny codes No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2401904376,2401904377, 2401904378

4232230256527164

Dispute ID: 12493774 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: -No manual funding observed -No continuous funding observed -No cash in/cash out observed -No valid undisputed transaction -No freezing/unfreezing observed -Out of the vicinity No recovery option -Response/deny code observed. ROL Case Number 2401904424,2401904425, 2401904426,2401904427, 2401904428, 2401904429

4232230252804781

Dispute ID: 12492396 DND: 2023-12-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Pin denial --With spending pattern observed -Merchant normal -Amount normal -Velocity normal Balance exhausted -Spot me limit was utilized -With freezing/unfreezing observed No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2401904495,2401904494

Dispute ID: 12519503 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -With valid undisputed card present EMV transaction observed -Continuous funding observed -With spending pattern observed -Merchant normal -Velocity normal -Low ending balance No PII changes observed No ATO Hallmarks Disputed transaction is within the state ROL Case Number 2403518414,2403518422

Dispute ID: 12519087 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Balance exhausted

• No deny codes -No ATO Hallmarks -Disputed transaction is within the state

Dispute ID: 12521558 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: -No spending pattern observed -No cash in/cash out observed -No continuous funding observed -No freezing/unfreezing observed -Merchant abnormal -Amount abnormal -Out of the vicinity -Velocity abnormal -Response/deny code observed. -High ending balance -No recovery option ROL Case Number 2403562063

Dispute ID: 12522706 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Pin denial -Continuous funding observed -Merchant normal -Velocity normal -Balance exhausted -Spot me limit was utilized

• No deny codes -Enable of the card prior the auth -No PII changes observed No ATO Hallmarks -Disputed transaction is within the state ROL Case Number 2403562214,2403562215

Dispute ID: 12522302 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Continuous funding observed -Pin denial -With valid undisputed card present EMV transaction observed -Merchant normal -Velocity normal -Balance exhausted -Spot me limit was utilized -No PII changes observed No ATO Hallmarks -Disputed transaction is within the state

4985031199395639

Dispute ID: 12515454 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Pin denial -Balance exhausted -Spot me limit was utilized No PII changes observed No ATO Hallmarks -Disputed transaction is within the state ROL Case Number 2403588583,2403588584, 2403588585, 2403588586,2403588587, 2403588588

ROL Case Number 2403588620,2403588621
,2403588652 2403588647, Related case 2403588648, Related case 2403588649, Related case 2403588650, Related case 2403588651

1079 E PROSPERITY AVE, TULARE, CAUS 3535 S LAS VEGAS B, LAS VEGAS, NVUS 2307 S Las Vegas Blvd, Las Vegas, NVUS 3475 S LAS VEGAS B, LAS VEGAS, NVUS

Dispute ID: 12518113/12533606 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Pin denial -Continuous funding observed -With valid undisputed card present EMV transaction observed -Merchant normal -Amount normal -Velocity normal -Balance exhausted -With freezing/unfreezing observed -Spot me limit was utilized No PII changes observed No ATO Hallmarks -Disputed transaction is within the state ROL Case Number 2403588963 ,2403588964, 2403588965, 2403588966, 2403588967,2403588968, 2403588969 .

Dispute ID: 12521356 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Pin denial -Credential on file denial With spending pattern observed -Merchant normal -Velocity normal No PII changes observed No ATO Hallmarks -Disputed transaction is within the state

Dispute ID: 12317630 DND: 2023-12-11 Reg Z - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning:

Received uncompelling evidence Pre arb initiated.

Dispute ID: 12356090 DND: 2023-12-14 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Dispute ID: 12467052 DND: 2023-12-27 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Approve

Claim Approved following Chargeback Outcome -Acquirer accepted the liability

Dispute ID: 12428638 DND: 2023-12-22 Reg Z - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning:

Received full merchant credit

Dispute ID: 12517390 DND: 2024-01-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With manual funding observed -Continuous funding observed -Pin denial -Low ending balance No PII changes observed No ATO Hallmarks -Disputed transaction is within the state

Dispute ID: 12120903 DND: 2023-11-22 Reg E - Unauthorized Transaction Pre Arb Decision Outcome: Approved

Claim Approved following Pre Arb Outcome Pre arb timeframe expired.

Dispute ID: 12161833 DND: 2023-11-26 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Chargeback timeframe expired.

Chargeback

Dispute ID: 12185224 DND: 2023-11-28 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Chargeback timeframe expired.

Dispute ID: 12186388 DND: 2023-11-28 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Chargeback timeframe expired.

Dispute ID: 12256593 DND: 2023-12-05 Reg E - Unauthorized Transaction Pre Arb Decision Outcome: Approved

Claim Approved following Pre Arb Outcome Pre arb timeframe expired.

Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

4217833075184478

Dispute ID: 12356090 DND: 2023-12-14 Reg Z - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: No SMS override No funding event No freezing/Unfreezing AVS Z

4217836005369366

Dispute ID: 12366554 DND: 2023-12-15 Reg Z - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: No SMS override No funding event No freezing/Unfreezing AVS B

Dispute ID: 12546850 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO PIN transaction and the PIN was not changed, lost, or exposed

Dispute ID: 12548866 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With freezing / unfreezing of the card observed No signs of ATO ROL Case Number 2404867542

Dispute ID: 12548501 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO

17:42:34 PST

Dispute ID: 12549607 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: PIN transaction and the PIN was not changed, lost, or exposed No signs of ATO

2023-12-10 22:13:16

Dispute ID: 12550774 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed No signs of ATO

4985031154022772

Dispute ID: 12547739 /12552312 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction ROL Case Number 2404895618,2404895616, 2404895617

4232231049897146

Dispute ID: 12548267 /12552350 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO ROL Case Number 2404895731

4232231145408285 4232231188193034

Dispute ID: 12548392 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO

Dispute ID: 12549496 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: SMS override AND no phone number changes within 48 hours ROL Case Number 2404895903,2404895904 , 2404895906,2404895907, 2404895908 2404895913

Dispute ID: 12547801/12552716 DND: 2024-01-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

Dispute ID: 11997725 DND: 2023-11-10 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Approve

Claim Approved following Chargeback Outcome -Timeframe expired expired

Dispute ID: 12558200 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO ROL Case Number 2405194603

4232232158174467

Dispute ID: 12558452 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO ROL Case Number 2405194638,2405194636, 2405194637, 2405194639, 2405194640

Dispute ID: 12559068 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO ROL Case Number 2405194660, 2405194659

Dispute ID: 12559068 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With undisputed card present EMV transaction ROL Case Number 2405194660, 2405194659

Dispute ID: 12558992 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO

Dispute ID: 12443745 DND: 2023-12-24 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: Received full merchant credit ROL Case Number 2405194794

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12443745-1 DND: 2023-12-26 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: No SMS override occur Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing / unfreezing of the card observed No undisputed card present EMV transaction -No Qualified funding event observed. NO previous transaction from same merchant With signs of fraud. ROL Case Number 2405194928,2405194929

4232230180813383

Dispute ID: 12558401 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO 14:11:57 15:11:47 14:11:33

Dispute ID: 12557800 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With freezing / unfreezing of the card observed No signs of ATO ROL Case Number 2405203651

Dispute ID: 12556914 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• Disputed transaction where AVS = Y and has no address change No signs of ATO ROL Case Number 2405203677, 2405203678, 2405203679, 2405203680

13:18:51 PST

13:35:57 PST

Dispute ID: 12558716 DND: 2024-01-06 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. NO previous transaction from same merchant With signs of fraud. ROL Case Number 2405203729

  2023-12-29 12:55:45 12:53:08

4232232019704460

Dispute ID: 12566309 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

With freezing / unfreezing of the card observed No signs of ATO ROL Case Number 2405466711+

2023-12-27 18:43:45

Dispute ID: 12563009 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Member have qualified funding events No signs of ATO

Claim was recategorized from Unauthorized Transaction to Non -Receipt of Goods or Services :As per Penny They never performes the service and refunded me.

Dispute ID: 12565287 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y" .

4985031182877916

Dispute ID: 12565816 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction ROL Case Number 2405510721,2405510722, 2405510723, 2405510724, 2405510725, 2405510726, 2405510727 ,2405510735,2405510736, 2405510737

4232232161759395

Dispute ID: 12563735 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y" .

Dispute ID: 12565793 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Member have qualified funding events No signs of ATO

4985032126435274

Dispute ID: 12565466 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Received full merchant credit and partial credit.

Decision Outcome Reasoning: -No SMS override occurred -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. -No undisputed card present EMV transaction

Dispute ID: 12566381 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With freezing / unfreezing of the card observed No signs of ATO ROL Case Number 2405593147, 2405593141, Related case 2405593142, 2405593143, 2405593144, Related case 2405593145, Related case 2405593146, Related case 2405593148, Related case 2405593149, Related case 2405593150, Related case 2405593151, Related case 2405593152, Related case 2405593153, Related case 2405593154, Related case 2405593155, Related case 2405593156, Related case 2405593157, Related case 2405593158, Related case 2405593159

4985032112217611

Dispute ID: 12591022 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With undisputed card present EMV transaction ROL Case Number 2407547425, 2407547424

Dispute ID: 12588644 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With undisputed card present EMV transaction

Dispute ID: 12588534 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With undisputed card present EMV transaction

Dispute ID: 12588855 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Member have qualified funding events No signs of ATO

4232231125814585

Dispute ID: 12589839 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With undisputed card present EMV transaction ROL Case Number 2407592840

200.0 200.0 16.0 20.0

4232231184388661

Dispute ID: 12590416 DND: 2024-01-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning: With undisputed card present EMV transaction ROL Case Number 2407608163,2407608161, 2407608162, 2407608164, 2407608165, 2407608166, 2407608167, 2407608168, 2407608169, 2407608170, 2407608171

4232232190281916

18:47:51 PST

Dispute ID: 12590689 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed ROL Case Number 2407608396

*Late dispute Filling *No extenuating circumstances

4232231150797366

Dispute ID: 12588119 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received partial credit Decision Outcome Reasoning: With undisputed card present EMV transaction ROL Case Number 2407633257,2407633264

07:24:16 PST

Dispute ID: 12588715 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO ROL Case Number 2407633403,2407633404, 2407633405, 2407633406 ,2407633437, 2407633435, 2407633436

Dispute ID: 12589824 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Dispute ID: 12600988 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

Dispute ID: 12597332 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• Qualified funding event observed.
• No signs of ATO

Dispute ID: 12599732 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

4232231124762033

Dispute ID: 12600472 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO ROL Case Number 2408283750 ,2408283749

Dispute ID: 12584359 DND: 2024-01-09 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO ROL Case Number 2408283884

Dispute ID: 12598491 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• Qualified funding event observed.
• No signs of ATO

4985032191133101

Dispute ID: 12585306 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 2408309219,2408309218

4985032157309224 4985032179337682

Dispute ID: 12599289 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 2408309382, 2408309384, 2408309385, 2408309386 ,2408309399

17:31:34 PST

4232230266090088

Dispute ID: 12597089 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO ROL Case Number 2408316671,2408316672, 2408316673

Dispute ID: 12600006 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction ROL Case Number 2408316770

19:14:19 PST

4217835033569989

Dispute ID: 12479377 DND: 2023-12-28 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Deny Claim Deny following Chargeback Outcome Revived compelling evidence. -Name -Address -Email address

Dispute ID: 12370612 DND: 2023-12-15 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Revived compelling evidence. -Name and Email address matched.

Dispute ID: 12377482 DND: 2023-12-17 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer accepted the liability

12291634 Deny van

16:15:59

Dispute ID: 12609010 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO

Dispute ID: 12609092 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override occurred -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• Disputed transaction is not AVS = A, X, Y
• No freezing /unfreezing of the card observed -No Qualified funding event observed.

4232232143334051

Dispute ID: 12608523 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO ROL Case Number 2408895247

Dispute ID: 12609080 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO ROL Case Number 2408895274,2408895275, 2408895276

Dispute ID: 12609239 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override occurred -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• Disputed transaction is not AVS = A, X, Y
• No freezing /unfreezing of the card observed -No Qualified funding event observed.

4232231021376689

Dispute ID: 12609111 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• Disputed transaction where AVS = A, X, Y and has no address change ROL Case Number 2408895395

Dispute ID: 12609017 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12608683 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12609425 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override occurred

• No undisputed card present EMV transaction -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed
• Disputed transaction is not AVS = A, X, Y
• No freezing /unfreezing of the card observed -No Qualified funding event observed.

Dispute ID: 12609176 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override occurred -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• Disputed transaction is not AVS = A, X, Y
• No freezing /unfreezing of the card observed -No Qualified funding event observed.

4232231180326608

Dispute ID: 12609444 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO ROL Case Number 2408895468,2408895469, 2408895470

Dispute ID: 12609214 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12608548 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO ROL Case Number 2408895481

Dispute ID: 12609397 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12616248 DND: 2024-01-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12616012 DND: 2024-01-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12616088 DND: 2024-01-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

4232230211142828

Dispute ID: 12615765 DND: 2024-01-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO ROL Case Number 2409195169

Dispute ID: 12615949 DND: 2024-01-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 2409195183

Dispute ID: 12616400 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

Dispute ID: 12593204 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: Waiting for link dispute to settled.

Dispute ID: 12592972 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: Pending for link dispute to settled.

Dispute ID: 12616379 DND: 2024-01-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO

Dispute ID: 12593073 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning: Waiting for link dispute to settled.

4232231159166498.

19:38:48 PST

Dispute ID: 12593204 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With Qualified funding event observed.
• No signs of ATO ROL Case Number 2410102307,2410102308, 2410102309, e 2410102310, 2410102311, 2410102312

Dispute ID: 12316777 DND: 2023-12-11 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Denied following Chargeback Outcome

• Compelling evidence -Name and email address matched -Phone number

468109451558

Dispute ID: 12317630 DND: 2023-12-11 Reg Z - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim approved following Pre arb Outcome

• Pre arb Timeframe expired expired

10:57:15 PST

Dispute ID: 12319022 DND: 2023-12-11 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO

Dispute ID: 12291634 DND: 2023-12-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 2390040150

91573951024 Moon Andrewculbertson 2,129.00

Dispute ID: 12317731 DND: 2023-12-11 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim approved following Chargeback Outcome

• Chargeback Timeframe expired

Dispute ID: 12332208 DND: 2023-12-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 2393539952

49.95

98260609968 Depotfirepla

Dispute ID: 12392006 DND: 2023-12-18 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With undisputed card present EMV transaction ROL Case Number 2396332415

Dispute ID: 12594971 DND: 2024-01-11 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: Received full merchant credit
ROL Case Number 2407928031

*Late dispute Filling *No extenuating circumstances

12592972-1

Dispute ID:12592972-1 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: No SMS authorization and no phone number changes No Qualified funding event observed. No freezing / unfreezing of the card observed Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed Disputed transaction is not AVS = A, X, Y

Dispute ID: 12640987 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12619503 DND: 2024-01-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction ROL Case Number 2410786084

4232231152805563

Dispute ID: 12640859 DND: 2024-01-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO ROL Case Number 2410810470,2410810471, 2410810472, 2410810473, 2410810475, 2410810476, 2410810477, 2410810478, 2410810479, 2410810480

Dispute ID: 12172947 DND: 2023-11-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12241688 DND: 2023-12-04 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning:

Received uncompelling evidence pre arb initiated.

Ubiquity2027*

Dispute ID: 12288187 DND: 2023-12-08 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome -Received compelling evidence
-Name, phone number and address. matched

4232232080341234

Dispute ID: 12317630 DND: 2023-12-11 Reg Z - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim approved following Pre arb Outcome

• Pre arb Timeframe expired expired

24011800002416

689173321043

Dispute ID: 12590481 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning:

Received uncompelling evidence Pre arb initiated

Dispute ID: 12412291 DND: 2023-12-20 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome -Received compelling evidence
-Name, phone number, Email and address. matched

Dispute ID: 12342745 DND: 2023-12-13 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome -Received compelling evidence
-Name, Email and address. matched

*Late dispute Filling *No extenuating circumstances

2023-12-02 01:38:39

Dispute ID: 12269209 DND: 2023-12-06 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Chargeback timeframe expired

Dispute ID: 12185895 DND: 2023-11-28 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Chargeback timeframe expired

06:28:29 PST

Dispute ID: 12644749 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

4985032010297988

Dispute ID: 12648769 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO ROL Case Number 2411654143

Dispute ID: 12646613 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO ROL Case Number 2411654143

4232231183308736

Dispute ID: 12645035 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO ROL Case Number 2411666557,2411666558, 2411666560, 2411666561

4217832032277896

Dispute ID: 12645502 DND: 2024-01-17 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO ROL Case Number 2411683636

19:36:29 PST 00:55:04 PST

12308744

Dispute ID: 12646400 DND: 2024-01-17 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO

2023-12-16 21:15:06

00:38:39 PST

14:44:5 20:15:06 PST

Dispute ID: 12647206 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed.

• No signs of ATO ROL Case Number 2411726024,2411726025, 2411726026, 2411726027

4232230201540049

Dispute ID: 12647262 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12425493 DND: 2023-12-22 Reg E - Unauthorized Transaction Decision Outcome: Denied

Decision Outcome Reasoning: • With freezing / unfreezing of the card observed • No signs of ATO

Dispute ID: 12241688 DND: 2023-12-04 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim Approved following Pre arb Outcome Pre arb timeframe expired

03:22:53 PST

Dispute ID: 12308744 DND: 2023-12-10 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim Approved following Pre arb Outcome Pre arb timeframe expired

$118.24

Dispute ID: 12402809 DND: 2023-12-19 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim Approved following Pre arb Outcome Pre arb timeframe expired

12564718

User name:ritchietings Password : Ubiquity2027* S- 00F665

12185895 23120900001153 23120900001150

Dispute ID: 12660427 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

4985031032689644

Dispute ID: 12661074 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO ROL Case Number 2412381712

Dispute ID: 12660752 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With SMS override AND no phone number changes within 48 hours AND no lost phone

Dispute ID: 12660234 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

06:50:04 PST

Dispute ID: 12661475 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

4232232098646525

Dispute ID: 12660894 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO ROL Case Number 2412425526,2412425527

4985032158704266

Dispute ID: 12661175 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO ROL Case Number 2412425789, 2412425790

09:03:26 PST

4232232032933815

Dispute ID: 12643427 DND: 2024-01-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With two undisputed transactions with exact match to the merchant.

• No signs of ATO ROL Case Number 2412451823,2412451822

  4232232002003730

Dispute ID: 12660427 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12667525 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• Disputed transaction where AVS = Y and has no address change
• No signs of ATO

4232231133984990

Dispute ID: 12667326 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed. -No signs of ATO ROL Case Number 2412814537,2412814538, 2412814539, 2412814540, 2412814541

Dispute ID: 12667737 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed. -No signs of ATO ROL Case Number 2412814581, 2412814582

4232230235766560

Dispute ID: 12666733 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed. -No signs of ATO ROL Case Number 2412814594

Dispute ID: 12666609 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12667625 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

4985032106249018

Dispute ID: 12666757 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -No undisputed card present EMV transaction -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

12666368 12666637

4985032090360888

Dispute ID: 12666637 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed. -No signs of ATO ROL Case Number 2412814767,2412814766

Dispute ID: 12666368 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With Qualified funding event observed. -No signs of ATO

12668484 12668407 12668745

Dispute ID: 12668745 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

Dispute ID: 12668484 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12668484 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Pending

Decision Outcome Reasoning:

Pending for clarification

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12668407 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

Dispute ID: 12679359 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction ROL Case Number 5315486651, 5315486652

Dispute ID: 12679675 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12678347 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO. ROL Case Number 5315486778,5315486779

Dispute ID: 12677978 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO.

Dispute ID: 12679009 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO.

Dispute ID: 12679163 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO. ROL Case Number 5315486976 , 5315486988 ,5315486989

12:31:02 PST 12:31:23 PST

4985032093488561

Dispute ID: 12684254 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Chargeback Rejects due to Compelling Evidence (Reject code ROL-3544) This evidence should be considered as a strong signal for denial, wherein Device ID and Account ID matches on the records

4232232103530482

Dispute ID: 12593073 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning:

• With freezing / unfreezing of the card observed
• No signs of ATO ROL Case Number 5315512753,5315512754, 5315512755, 5315512756, 5315512757, 5315512758

4985032089070217

Dispute ID: 12681639 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With Qualified funding event observed.

• No signs of ATO. ROL Case Number 5315545839,5315545835, 5315545836, 5315545837, 5315545838

4985032047684448

Dispute ID: 12682900/12688191 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning:

• With undisputed card present EMV transaction

Dispute ID: 12684833 /12688201 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Received full merchant credit

Decision Outcome Reasoning:

• With SMS authorization and no phone number changes ROL Case Number 5315545931, 5315545932, 5315545933, Related case , 5315545935

Dispute ID: 12682347 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO.

Dispute ID: 12684229 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12683025 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With undisputed card present EMV transaction

Dispute ID: 12687499 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO

Dispute ID: 12686279 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With undisputed card present EMV transaction

Dispute ID: 12687388 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO

10:31:35 PST

Dispute ID: 12682869 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With undisputed card present EMV transaction

Dispute ID: 12687559 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO

Dispute ID: 12688269 DND: 2024-01-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

4232232190766270

Dispute ID: 12677182 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO ROL Case Number 5315623727,5315623728, 5315623729, 5315623730

Dispute ID: 12674528 DND: 2024-01-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With SMS authorization and no phone number changes ROL Case Number 5315623813,5315623814 ,5315623828,5315623829

Dispute ID: 12600463 DND: 2024-01-11 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer Accepted Liability

11:19:46 PST

Dispute ID: 12694066 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12693293 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12695162 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 12692941 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

4232232142133926

Dispute ID: 12692326 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5316233547

Dispute ID: 12692222 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO

4985032125468557

Dispute ID: 12693385 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO ROL Case Number 5316233680

Dispute ID: 12692467 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5316233739,5316233741, 5316233742, 5316233743, 5316233744

15:15:53 PST

Dispute ID: 12692886 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With freezing / unfreezing of the card observed
• No signs of ATO

Dispute ID: 12693486 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO ROL Case Number 5316233940,5316233938, 5316233939

4985032075247167

Dispute ID: 12695170/12696809 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With SMS authorization and no phone number changes ROL Case Number 5316284082, 5316284079, 5316284080, 5316284081

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12563735 DND: 2024-01-07 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence. Email and phone number matched.

4726

Dispute ID: 12696690 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

4985031188394726

Dispute ID: 12696542 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed -No undisputed transactions with an exact match to the merchant -No undisputed card present EMV transaction -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y -ROL Case ,5316338174,5316338175,5316338173

Dispute ID: 12696342 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12696585 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5316356133

Dispute ID: 12696530 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

1. Are you currently in possession of the card?
2. Was the card in possession at the time of the transaction(s)?
3. Were any personal belongings lost/stolen?
4. Do you keep their card's PIN secured? If no, where is it kept?

Dispute ID: 12696530 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Case Ongoing

Decision Outcome Reasoning

Request additional information

6 Dispute ID: 12696527 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received partial credit

• With SMS authorization and no phone number changes

Dispute ID: 12666609 DND: 2024-01-20 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence. Email and phone number matched.

21:59:51 PST

12378525

Dispute ID: 12378525 DND: 2023-12-17 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim approved following Chargeback Outcome Chargeback timeframe expired

4232230286746313

Dispute ID: 12701867 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received full merchant credit

• With undisputed card present EMV transaction ROL Case Number 5316896909,5316896910, 5316896911, 5316896912, 5316896913, 5316896914

Dispute ID: 12703290 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12702213 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO

4985031105641142

Dispute ID: 12702986 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO ROL Case Number 5316919243

Dispute ID: 12700809 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With Qualified funding event observed.

• No signs of ATO ROL Case Number 5316919303

Dispute ID: 12701563 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

Dispute ID: 12700769 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO ROL Case Number 5316919468,5316919469, 5316919470, 5316919471

Dispute ID: 12702798 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or

• No signs of ATO

Dispute ID: 12700221 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5316940178,5316940176, 5316940177

  72263531

Dispute ID: 12702115/12704679 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5316964129,5316964130, 5316964131, 5316964132

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12700755/12704679 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Ill make sure to maintained my performance this month and also I will not hesitate to ask questions with my supervisor if I encounter new scenario with my cases to avoid markdowns.

Dispute ID: 12248862 DND: 2023-12-04 Reg E - Unauthorized Transaction

-Chargeback/Pre-arb Decision Outcome: APPROVE -Claim Denied/Approved Following Chargeback/Pre-arb Outcome: Acquirer Response Timeframe Expired Acquirer Accepted

Dispute ID: 12450784 DND: 2023-12-25 Reg E - Unauthorized Transaction -Chargeback/Pre-arb Decision Outcome: APPROVE -Claim Approved Following Chargeback/Pre-arb Outcome: Acquirer Response Timeframe Expired Acquirer Accepted

Dispute ID: 12592361 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning: Received uncompelling evidence

Dispute ID: 12710261 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 12709708 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12711099 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12710193 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With SMS authorization and no phone number changes

Dispute ID: 12711738 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12710261 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12710442 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5317690965, 5317690962, 5317690963, 5317690964
  4232231182679681

Dispute ID: 12710391 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With SMS authorization and no phone number changes ROL Case Number 5317715549, 5317715550, Related case 5317715551, Related case 5317715552, Related case 5317715553, Related case 5317715554, Related case 5317715555, Related case 5317715556, Related case 5317715557, Related case 5317715558

Dispute ID: 12709636 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO Related case 5317715587, Related case 5317715588, Related case 5317715589, Related case 5317715591, Related case 5317715592, Related case 5317715593, Related case 5317715594
  ROL Case Number 5317715590

4985031123977403

Dispute ID: 12710646 DND: 2024-01-25 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With SMS authorization and no phone number changes ROL Case Number 5317715631,5317715630, 5317715632, 5317715633, 5317715634, 5317715635

Dispute ID: 12718527 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

*Late dispute Filling *No extenuating circumstances

4232231007729570

Dispute ID: 12717639 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5318233452, 5318233451

4985032003288093

Dispute ID: 12719625 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5318233476

Dispute ID: 12717009 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 12717009 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12719539 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

4985032192373433

Dispute ID: 12720710 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV -No 2 or undisputed transactions with an exact match to the merchant -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed ROL Case Number 5318304368

Dispute ID: 12720044 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12720365 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With freezing / unfreezing of the card observed

• No signs of ATO

Dispute ID: 12719064 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12478455 DND: 2023-12-28 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer accepted the liability Chargeback timeframe expired

Dispute ID: 12565287 DND: 2024-01-07 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved/Deny

Claim Approved/Deny following Chargeback Outcome Received compelling evidence Name and Email address matched Acquirer accepted the liability

Dispute ID: 12590481 DND: 2024-01-10 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim Approved following Pre arb Outcome Pre arb timeframe expired

Dispute ID: 12603015 DND: 2024-01-12 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence

Dispute ID: 12739374 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

4232230208520176

Dispute ID: 12744145 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO ROL Case Number 5319384595,5319384600

Dispute ID: 12740225 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12644749 DND: 2024-01-17 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name and Email address matched

Dispute ID: 12738872/12745257 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5319397835

Dispute ID: 12726823 DND: 2024-01-27 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

Dispute ID: 12723964 DND: 2024-01-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5319397992,5319397990,5319397991

Dispute ID: 12724679 DND: 2024-01-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received partial credit

• With undisputed card present EMV transaction ROL Case Number 5319421553, 5319421554

Dispute ID: 12743022 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5319421592,5319421588, 5319421589, 5319421590, 5319421591

Dispute ID: 12745002 DND: 2024-01-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12724377 DND: 2024-01-27 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5319421717, 5319421714, 5319421715, 5319421716

4232230208760780

Claim was recategorized from Credit not posted to Non- Receipt of Goods or Services

Dispute ID: 12731307 DND: 2024-01-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5319533797, 5319533796

Dispute ID: 12737172 DND: 2024-01-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

4232231141071426

Dispute ID: 12736502 DND: 2024-01-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5319533904, 5319533903

Dispute ID: 12746070 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV -No 2 or undisputed transactions with an exact match to the merchant Not enough sings of fraud to deny the claim -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12661475 DND: 2024-01-19 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning

Received uncompelling evidence Pre arb initiated.

Dispute ID: 12750376 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

4985032114536620

Dispute ID: 12751809 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5320113340, 5320113341

Dispute ID: 12750466 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5320132013, 5320132014, 5320132015, 5320132016

  Claim was recategorized from Non-Receipt of Goods or Services to transaction was cancelled

Dispute ID: 12751287 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5320132113, 5320132112

4985031003326499

Dispute ID: 12747321/12753508 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5320132234,5320132235, 5320132236

Closed karon

Dispute ID: 12753926 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With 2 or more undisputed transactions with an exact match to the merchant

• No signs of ATO ROL Case Number 5320161328,5320161329, 5320161330

Dispute ID: 12735865/12754367 DND: 2024-01-28 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With 2 or more undisputed transactions with an exact match to the merchant

• No signs of ATO ROL Case Number 5320161443

Dispute ID: 12739574 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: approved

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV -No 2 or undisputed transactions with an exact match to the merchant Not enough sings of fraud to deny the claim -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed ROL Case Number 5320176831

4985032109379721

Dispute ID: 12753586 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO ROL Case Number 5320176718,5320176719, 5320176720, 5320176721

Dispute ID: 12733379/12754408 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed ROL Case Number 5320176788,5320176789, 5320176790, 5320176791 , 5320176805,e 5320176804

Claim was recategorized from Transaction Was Cancelled to Non- Receipt of Goods or Services

Dispute ID: 12600988 DND: 2024-01-11 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer accepted the liability.

Dispute ID: 12447579 DND: 2023-12-25 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired.

Dispute ID: 12469137 DND: 2023-12-27 Reg E - Unauthorized Transaction Pre-Arb Decision Outcome: Approved

Claim Approved following Pre-Arb Outcome Timeframe expired.

Dispute ID: 12391469 DND: 2023-12-18 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired.

4985031124356920

Dispute ID: 12756833 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5320798871,5320798872

4232232181933145

Dispute ID: 12757933 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO 5320798908, 5320798909, 5320798910, 5320798911
  5320798907,5320798923

close karon

Dispute ID: 12760141/12762607 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

*Late dispute Filling *No extenuating circumstances

4985032117601850

Dispute ID: 12757239 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV -No 2 or undisputed transactions with an exact match to the merchant Not enough sings of fraud to deny the claim

4985032117601850

Dispute ID: 12757172 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5320945443, 5320945437,5320945438, 5320945439, 5320945440

12426027

Dispute ID: 12668484 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12768290 DND: 2024-02-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12769070 /12771222 DND: 2024-02-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• PIN transaction and the PIN was not changed, lost, or exposed
• No signs of ATO

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12768560 DND: 2024-02-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

close karon

Dispute ID: 12752968 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV -No 2 or undisputed transactions with an exact match to the merchant Not enough sings of fraud to deny the claim

Dispute ID: 12745679 DND: 2024-01-29 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5321513766,5321513768 , 5321513798

Dispute ID: 12755575 DND: 2024-01-30 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5321513822,5321513821

Dispute ID: 12757086 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction ROL Case Number 5321513876,5321513877,5321513880

Dispute ID: 12771671 DND: 2024-02-01 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO ROL Case Number 5321513905

3555014156

Dispute ID: 12777345 DND: 2024-02-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present transaction Rol case number 5322109421,5322109428

Dispute ID: 12777891 DND: 2024-02-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With Qualified funding event observed.

• No signs of ATO

Closed karon

Dispute ID: 12779549/12780023 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

• With undisputed card present EMV transaction

Dispute ID: 12780418 - Closed karon ni DND: 2024-02-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning. PIN transaction and the PIN was not changed, lost, or exposed

• No signs of ATO ROL Case Number 5322133958,5322133959

Dispute ID: 12780046 DND: 2024-02-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning. With Qualified funding event observed.

• No signs of ATO

Dispute ID: 12760805 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning. No Qualified funding event observed. -No freezing / unfreezing of the card observed No valid undisputed card present EMV

Dispute ID: 12766598 DND: 2024-02-01 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning. -No SMS authorization and no phone number changes -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y

4232230241437305

*Late dispute Filling *No extenuating circumstances

4985031056328228

Dispute ID: 12762425 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning. With Qualified funding event observed.

• No signs of ATO ROL Case Number 5322184620,5322184622

Dispute ID: 12780418 DND: 2024-02-02 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning. PIN transaction and the PIN was not changed, lost, or exposed

• No signs of ATO ROL Case Number 5322133958,5322133959

Dispute ID: 12563735 DND: 2024-01-07 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: Red

Dispute ID: 12366554 DND: 2023-12-15 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name and Email address matched

Dispute ID: 12592361 DND: 2024-01-10 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim Approved following Pre arb Outcome Acquirer accepted the liability. Pre arb timeframe expired

Dispute ID: 12585331 DND: 2024-01-10 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny/Approved

Claim Deny following Chargeback Outcome Received full merchant credit
Received compelling evidence Name, Address and phone number matched

Dispute ID: 12609092 DND: 2024-01-12 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer accepted the liability.

Dispute ID: 12587342 DND: 2024-01-10 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Acquirer accepted the liability

Dispute ID: 12522063 DND: 2024-01-02 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired

Dispute ID: 12792027 DND: 2024-02-04 Reg E - Transfer to Incorrect Recipient Decision Outcome: Denied Decision Outcome Reasoning:

Sender: CH claims money was transferred to an incorrect recipient. Upon checking CH’s IP Log, the Chime Sign that was entered/selected as the recipient of the Pay Friends Transfer during initiation matches the actual Recipient’s Chime Sign in (his/her) profile. Confirmation was received from the CH after the recipient was entered/selected. No system issues detected. Unable to reverse transfers once they have posted and settled.

Recipient: Money was transferred to this account.

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was shared.
• Account received funding prior to the disputed transfer.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID (543B6BF5-FFCD-4E95-AE87-12A7750B01FF) that was used to initiate unauthorized transfer was in use from 2023-11-16 to 2023-12-13.
• • IP ADDRESS (72.216.111.62) that was used to initiate unauthorized transfer was in use from 2023-09-17 to 2023-12-12.
• No error concluded, because the IP Address (72.216.111.62) used to initiate the unauthorized transfer was traced to a location in (Phoenix, AZ), which matches the CH’s address.
• Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12788441 DND: 2024-02-03 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone wasn't stated lost/stolen, and the password was shared.
• There was a history of Pay Friends/cross transfers between the CH and the Recipient.-
• No login failures occurred prior to the disputed transfer being sent. The MM has not reported their Chime password as being compromised, therefore the smooth login with the established device suggests the device was in the MM possession for them to input their password correctly.
• Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address used to initiate the unauthorized transfer was traced to a location , which matches the CH’s state/address.

Dispute ID: 12792181 DND: 2024-02-04 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -Within vicinity -- Device ID that was used to initiate unauthorized transfer was establish
• Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12792529 DND: 2024-02-04 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone was lost/stolen, and the password was shared.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• There was no indication of profile change on and before the day of the disputed transfer. -Within vicinity.
• Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12791005 DND: 2024-02-04 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.
• Account received funding prior to the disputed transfer.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address (IP used to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address

Dispute ID: 12791217 DND: 2024-02-04 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone was lost/stolen, and the password was not shared.
• There was a history of Pay Friends/cross transfers between the CH and the Recipient.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -Within vicinity
• • Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12791798 DND: 2024-02-04 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12793570 DND: 2024-02-04 Reg E - Unauthorized Transfer Decision Outcome: Denied

Decision Outcome Reasoning:

• The CH phone was lost/stolen, and the password was not shared.
• There was a history of Pay Friends/cross transfers between the CH and the Recipient.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -Within the vicinity
• Device ID that was used to initiate unauthorized transfer was establish -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

0168

4985032015620168

Dispute ID: 12426859 DND: 2023-12-22 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired Acquirer accepted the liability

Dispute ID: 12511658 DND: 2024-01-01 Reg E - Unauthorized Transaction Chargeback/Pre arb Decision Outcome: Approved

Claim Approved following Chargeback/Pre arb Outcome Acquirer accepted the liability Timeframe expired. .

Dispute ID: 12609239 DND: 2024-01-12 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer accepted the liability

Dispute ID: 12668484 DND: 2024-01-20 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning: -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No Qualified funding event observed. -No freezing / unfreezing of the card observed -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction is not AVS = A, X, Y Disputed transaction is not eligible for CB.

Dispute ID: 12609176 DND: 2024-01-12 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved/Deny

Claim Approved/Deny following Chargeback Outcome Acquirer accepted the liability Received compelling evidence Name and address matched

Dispute ID: 12720044 DND: 2024-01-26 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning: Received uncompelling evidence

Dispute ID: 12700755 DND: 2024-01-24 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning: Received uncompelling evidence

Dispute ID: 12696530 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning:

• No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No signs of remote login or Chime impersonation scams -Member did not authorize a 3rd party -No qualified funding events. -No freezing/Unfreezing. -No 2 or more undisputed transactions with an exact match to the merchant -No signs of fraud occurred. -No CB rights.

Dispute ID: 12356090 DND: 2023-12-14 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired.

Dispute ID: 12696530 DND: 2024-01-23 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning:

• No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. -No 2 or more undisputed transactions with an exact match to the merchant -No CB rights.

Dispute ID: 12806675 DND: 2024-01-27 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12804310 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding events -No signs of ATO

Dispute ID: 12802144 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: PIN transaction and the PIN was not changed, lost, or exposed ROL Case Number 5323794744 ,5323794755

Dispute ID: 12804537 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12802962 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding events -No signs of ATO

Dispute ID: 12793788 DND: 2024-02-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

12794255 12793288

Dispute ID: 12794255 DND: 2024-02-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With undisputed card present transaction. ROL Case Number 5323832017,5323832034,5323832075 ,5323832140, 5323832141, 5323832142, 5323832143

Dispute ID: 12793288 DND: 2024-02-04 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning: No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12793137 DND: 2024-02-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding events. -No signs of ATO ROL Case Number 5324235241,5324235242, 5324235243, 5324235244

Dispute ID: 12794776 DND: 2024-02-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding events. -No signs of ATO ROL Case Number 5324235462,5324235464

4985032014688471 4985032162131571 4985032171035458 4985032111377580

Dispute ID: 12794097 DND: 2024-02-04 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding events. -No signs of ATO ROL Case Number 5324263621,5324263617, 5324263618, 5324263619, 5324263620 ,5324263682 ,5324263683,5324282312 ,5324282313,5324282352, 5324282353, 5324282354, 5324282355, 5324282356, 5324282357 ,5324282388,5324282389

Dispute ID: 12812527 DND: 2024-02-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: •Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction.

Dispute ID: 12809832 DND: 2024-02-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: Disputed transaction is AVS 'Y' and no address change -No signs of ATO ROL Case Number 5324316776,5324316792,5324316798

Dispute ID: 12811464 DND: 2024-02-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With undisputed card present transaction.

Dispute ID: 12797469 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 5324331594,5324331595,5324331667, 5324331669, 5324331670, 5324331671, 5324331672, 5324331673

Dispute ID: 12795966 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO ROL Case Number 5324342519

Dispute ID: 12814107 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning •Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device Fingerprinting and Account ID was detected as previous Transaction. -No signs of ATO

4232232188744339

Dispute ID: 12812483 DND: 2024-02-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO

Dispute ID: 12812335 DND: 2024-02-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 5324440500, 5324440564,5324440565, 5324440566, 5324440567, 5324440568

Dispute ID: 12815507 DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Disputed transaction is AVS 'Y' and no address change -No signs of ATO

Dispute ID: 12814424 DND: 2024-02-06 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO ROL Case Number 5324453845

Dispute ID: 12815507- DND: 2024-01-31 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Disputed transaction is AVS 'Y' and no address change -No signs of ATO

4232232142608083

Dispute ID: 12803984 DND: 2024-02-05 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO ROL Case Number 5324507178,5324507175, 5324507176, 5324507177, 5324507179, 5324507180, 5324507181, 5324507182

roselle.moreno January010503!

Dispute ID: 12609425 DND: 2024-01-12 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Acquirer accepted the liability.

Dispute ID: 12587342 DND: 2024-01-10 Reg E - Unauthorized Transaction Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence Pre arb initiated.

Dispute ID: 12547983 DND: 2024-01-05 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome -Timeframe expired.

Dispute ID: 12660427 DND: 2024-01-19 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name address and phone number matched.

4232230296835346

Dispute ID: 12820155 DND: 2024-02-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO ROL Case Number 5324896635, 5324896636,5324896637, 5324896638, 5324896639, 5324896640, 5324896641, 5324896642,5324896643, 5324896644, 5324896645,5324896646, 5324896647, 5324896648

Dispute ID: 12820163 DND: 2024-02-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 5324896817,5324896818

4232230248701208

Dispute ID: 12820197 DND: 2024-02-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO ROL Case Number 5324908511

4232232086107977

Dispute ID: 12818889 DND: 2024-02-07 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received full merchant credit -Member have qualified funding events. -No signs of ATO ROL Case Number 5324952825, 5324952874,5324952943 ,5324952944 ,5324965536,5324965518, 5324965519, 5324965520, 5324965521, 5324965522, 5324965523, 5324965524, 5324965525, 5324965526, 5324965527, 5324965528, 5324965529, 5324965530, 5324965531, 5324965532, 5324965533, 5324965534, 5324965535

Dispute ID: 12821783 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

4985032015620168

Dispute ID: 12820820 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

4232230206555562

Dispute ID: 12821783 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 5325037301

Dispute ID: 12822431 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. -No undisputed card present transaction. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12822623 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO

4985031195781873

Dispute ID: 12821648 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding events. -No signs of ATO ROL Case Number 5325066009, 5325066010, Related case 5325066011, Related case 5325066012, Related case 5325066013, Related case 5325066014, Related case 5325066015, Related case 5325066016, Related case 5325066017, Related case 5325066018, Related case 5325066019, Related case 5325066020, Related case 5325066021, Related case 5325066022, Related case 5325066023, Related case 5325066024, Related case 5325066026, Related case 5325066027, Related case 5325066028, Related case 5325066029, Related case 5325066030, Related case 5325066031, Related case 5325066033, Related case 5325066034, Related case 5325066035, Related case 5325066036, Related case 5325066037, Related case 5325066038, Related case 5325066039, Related case 5325066040

Dispute ID: 12822415 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12817732 DND: 2024-02-07 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

"DEVICE_ID": "6DEFC351-DE33-4BA4-B4D6-2A07F5235BC2", "DEVICE_MODEL": "iPhone13,2", "DEVICE_NAME": "iPhone", "DEVICE_TYPE": "ios", "IP": "172.56.11.27", "OS_NAME": "iOS", "TIMEZONE": "America/Chicago"

• The CH phone was lost/stolen, and the password was not shared.
• There was a history of Pay Friends/cross transfers between the CH and the Recipient.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -Within the vicinity
• Device ID that was used to initiate unauthorized transfer was establish -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12815692 DND: 2024-02-07 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12819495 DND: 2024-02-07 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer. There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -Within vicinity
• Device ID that was used to initiate unauthorized transfer was establish -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address.

Dispute ID: 12509046 DND: 2024-01-01 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired

4232230287682780

Dispute ID: 12821771 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning Received full merchant credit No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12824414 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 5326248256,5326248257,5326248258,5326248260

Dispute ID: 12821457 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning Waiting for link dispute to settled.

Dispute ID: 12826389 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 5326248268, 5326248269, 5326248270,

Dispute ID: 12831667 DND: 2024-02-09 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12841990 DND: 2024-02-10 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone was lost/stolen, and the password was not shared.
• Account received funding prior to the disputed transfer.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12842792 DND: 2024-02-11 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone was lost/stolen, and the password was not shared.
• Account received funding prior to the disputed transfer.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12840006 DND: 2024-02-10 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone wasn't lost/stolen, and the password was not shared.
• Account received funding prior to the disputed transfer.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12839611 DND: 2024-02-10 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer. There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address.

Dispute ID: 12842094 DND: 2024-02-10 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer. There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on the date of disputed transfer. -No error concluded, because the IP Address (IPused to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address. Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12824193 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12822431 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No undisputed card present transaction -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12822933 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Disputed transaction is AVS 'Y" without an address change. ROL Case Number 5326271330,5326271331
, 5326271332

Dispute ID: 12603015 DND: 2024-01-12 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired.

Dispute ID: 12603921 DND: 2024-01-12 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired.

Dispute ID: 12647262 DND: 2024-01-17 Reg E - Unauthorized Transaction Chargeback Decision Outcome

Decision Outcome Reasoning Received uncompelling evidence Name,Phone number and email not matched.

Dispute ID: 12660234 DND: 2024-01-19 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved/Deny

Claim Approved/Deny following Chargeback Outcome Received compelling evidence Name, Phone number, and email address matched Acquirer accepted the liability.

Dispute ID: 12810493 DND: 2024-02-06 Reg E - Unauthorized Transaction

Decision Outcome: Deny Decision Outcome Reasoning:

• Rejected for Compelling evidence received upon pre-chargeback(error code:ROL-3544): Device ID and Account ID was detected as previous Transaction.

Dispute ID: 12710261 DND: 2024-01-25 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name, and Phone number, matched

Dispute ID: 12726823 DND: 2024-01-27 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence Name and email not matched.

Dispute ID: 12845086 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12840889 DND: 2024-02-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present.

4232230258472328

Dispute ID: 12843660 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present. ROL Case Number 5326567024

Dispute ID: 12843032 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event

Dispute ID: 12845821/12849664 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present.

4232232064281703

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12821457 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning

Dispute ID: 12842169 DND: 2024-02-10 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

4985032191033319

The reason why I got markdown is because I forgot to notate the The "No signs of ATO" and forgot to double check the UT workflow to gather all the denials.

Moving forward Ill make sure to double check my notation and also the UT workflow and gather all the possible denials and Ill do it in every cases that I handled.

Dispute ID: 12842169 DND: 2024-02-10 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No undisputed card present transaction. -No qualified funding event -No unfreeze of the card -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -No 2 or more undisputed transactions with an exact match to the merchant. -Not enough signs of fraud. ROL Case Number 5326696462,5326696463, 5326696464

Dispute ID: 12847766 DND: 2024-02-11 Reg E - Unauthorized Transaction. Decision Outcome: Deny

Decision Outcome Reasoning PIN transaction and the PIN was not changed, lost, or exposed ROL Case Number 5326707752, Related case 5326707739, Related case 5326707741, Related case 5326707742, Related case 5326707743, Related case 5326707744, Related case 5326707745, Related case 5326707746, Related case 5326707747, Related case 5326707748, Related case 5326707749, Related case 5326707750, Related case 5326707751, Related case 5326707753, Related case 5326707754, Related case 5326707755, Related case 5326707756, Related case 5326707757, Related case 5326707758

Dispute ID: 12844487 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No signs of ATO ROL Case Number 5326721599,5326721600

Dispute ID: 12843788 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No undisputed card present transaction. -No qualified funding event -No unfreeze of the card -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -No 2 or more undisputed transactions with an exact match to the merchant. -Not enough signs of fraud.

Dispute ID: 12847687/12852368 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With undisputed card present transaction.

Dispute ID: 12563913 DND: 2024-01-07 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Freezing/Unfreezing of the card observed. No signs of ATO ROL Case Number 5326758268, 5326758269

Dispute ID: 12821457 DND: 2024-02-08 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12661475 DND: 2024-01-19 Reg E - Unauthorized Transaction Pre arb Decision Outcome: Approved

Claim Approved following Pre arb Outcome Timeframe expired.

4232231103227644

Dispute ID: 12855776 DND: 2024-02-12 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No signs of ATO ROL Case Number 5327137878, 5327137879, 5327137880

4217832043116943

Dispute ID: 12857791 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 12663841 DND: 2024-01-19 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name, phone number and address.

Dispute ID: 12857283 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Disputed transaction is AVS "Y" No sign of ATO hallmarks ROL Case Number 5327206705

4985031052614068

11:00:52 PST

Feb 12, 2024, 3:43:33

Feb 12, 2024, 9:37:58 AM PST

February 11, 2024, 11:00:52 PST

Dispute ID: 12857791 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No undisputed card present EMV transaction. No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12857866 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No sign of ATO ROL Case Number 5327290264,5327290265

Dispute ID: 12858029 DND: 2024-02-12 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No undisputed card present EMV transaction. No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No freezing/Unfreezing. -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction where not AVS = "A", "X", or "Y"

Dispute ID: 12857826 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No sign of ATO

4985031181356649

Dispute ID: 12857951/12860574 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No sign of ATO ROL Case Number 5327319433,5327319434, 5327319435, 5327319453

Dispute ID: 12858734 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12858037 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No undisputed card present EMV transaction. No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

Dispute ID: 12858261 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No undisputed card present EMV transaction. No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding events. -No freezing/Unfreezing. Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No sign of ATO ROL Case Number 5327319433,5327319434, 5327319435, 5327319453

Dispute ID: 12713608 DND: 2024-01-25 Reg Z - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name,email address and address matched.

Dispute ID: 12793788 DND: 2024-02-04 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence

Dispute ID: 12864861 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding event
-No freezing/Unfreezing. -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction where not AVS = "A", "X", or "Y"

Claim is to be recategorized from Transaction Was Cancelled to None Receipt of Goods or Services. Member did not receive the service from the merchant: As per member evidence

Dispute ID: 12865182 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With 2 or more undisputed transactions with an exact match to the merchant. No sign of ATO ROL Case Number 5327837861,5327837918,5327837919, 5327837920

Dispute ID: 12865036 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 5327847631, 5327847632

Dispute ID: 12865521 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12865599 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -PIN transaction and the PIN was not changed, lost, or exposed No sign of ATO

Dispute ID: 12866783 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

4985031024876613

Dispute ID: 12866285 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding event
-No freezing/Unfreezing. -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction where not AVS = "A", "X", or "Y"

Dispute ID: 12843850 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning Waiting for link dispute to settled.

Dispute ID: 12866783 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Member have qualified funding event No sign of ATO

Dispute ID: 12866918/12868092 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -PIN transaction and the PIN was not changed, lost, or exposed No sign of ATO ROL Case Number 5328027316

4232231035323065

Dispute ID: 12866928 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Disputed transaction where AVS = "Y" without an address change No sign of ATO

Dispute ID: 12867588 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction

Dispute ID: 12843850/12843850-1 DND: 2024-02-11 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding event
-No freezing/Unfreezing. -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction where not AVS = "A", "X", or "Y"

Dispute ID: 12867190 DND: 2024-02-14 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.
• There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address (IP used to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address
• Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12867533 DND: 2024-02-14 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.

• There was no indication of profile change on and before the day of the disputed transfer.

• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer. -Within vicinity

• Device ID that was used to initiate unauthorized transfer was establish

• No error concluded, because the IP Address (IP used to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address

• Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

  "DEVICE_ID": "FC91C048-B12B-47D9-B3ED-0962867B21D6", "DEVICE_MODEL": "iPhone14,7", "DEVICE_NAME": "iPhone", "DEVICE_TYPE": "ios", "IP": "172.58.120.180", "OS_NAME": "iOS", "TIMEZONE": "America/Detroit"

Dispute ID: 12867554 DND: 2024-02-14 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning:

• The CH phone wasn't stated lost/stolen, and the password wasn't stated.
• There was a history of Pay Friends/cross transfers between the CH and the Recipient.
• There was no indication of profile change on and before the day of the disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address (IP used to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address

Dispute ID: 12867856 DND: 2024-02-14 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.
• Account received funding prior to the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish
• Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

"DEVICE_ID": "b482e005-8fae-4fa8-85a2-519fa098d398", "DEVICE_MODEL": "BE2015", "DEVICE_NAME": "OnePlusN100METRO", "DEVICE_TYPE": "android", "IP": "172.59.217.156", "OS_NAME": "Android", "TIMEZONE": "America/New_York"

Dispute ID: 12872044 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No qualified funding event
-No freezing/Unfreezing. -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -Disputed transaction where not AVS = "A", "X", or "Y"

Dispute ID: 12867985 DND: 2024-02-14 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning:

• The CH phone wasn't lost/stolen, and the password was not shared.
• Account received funding prior to the disputed transfer. -There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish
• Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

{ "DEVICE_ID": "988c1167-f359-4c58-bdbf-5b8b0f39dc1f", "DEVICE_MODEL": "moto g power (2022)", "DEVICE_NAME": "tonga", "DEVICE_TYPE": "android", "IP": "166.181.89.162", "OS_NAME": "Android", "TIMEZONE": "America/Chicago"

Dispute ID: 12872178 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With undisputed card present transactions.

Dispute ID: 12868264 DND: 2024-02-14 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning:

• The CH phone was lost/stolen, and the password was not shared.
• There was a history of Pay Friends/cross transfers between the CH and the Recipient.
• Account received funding prior to the disputed transfer. -There was no indication of profile change on and before the day of the disputed transfer.
• There was no indication of consecutive Login Failed Attempt and Password Reset detected in the IP Log of the CH on and before the date of disputed transfer.
• Device ID that was used to initiate unauthorized transfer was establish
• No error concluded, because the IP Address (IP used to initiate the unauthorized transfer was traced to a location which matches the CH’s state/address -- Recipient is part of CH contact information. (contacts - admin, NOT BLOCK).

Dispute ID: 12858804 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12872359 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO ROL Case Number 5328707221

Dispute ID: 12859122 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 5329218085.Related case 5329218086, Related case 5329218087, Related case 5329218088, Related case 5329218089, Related case 5329218090, Related case 5329218091, Related case 5329218092, Related case 5329218093, Related case 5329218094, Related case 5329218095, Related case 5329218096, Related case 5329218097, Related case 5329218098

Dispute ID: 12862537 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 5329218320,Related case 5329218309, Related case 5329218310, Related case 5329218311, Related case 5329218312, Related case 5329218313, Related case 5329218314, Related case 5329218315, Related case 5329218316, Related case 5329218317, Related case 5329218318, Related case 5329218319 ,5329218400

Dispute ID: 12863334 DND: 2024-02-13 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 5329231560, Related case 5329231552, Related case 5329231553, Related case 5329231554, Related case 5329231555, Related case 5329231556, Related case 5329231557, Related case 5329231558, Related case 5329231559, Related case 5329231561, Related case 5329231562, Related case 5329231563, Related case 5329231564, Related case 5329231565, Related case 5329231566, Related case 5329231567, Related case 5329231568, Related case 5329231569, Related case 5329231570, Related case 5329231571, Related case 5329231572, Related case 5329231573, Related case 5329231574

10:18:25 PST 12, 2024 07:53:01 PST 10:12:48 PST 12, 2024 10:12:48 PST 12, 2024

01:26:04 PST 12, 2024

10:01:22 PST

Dispute ID: 12865559 DND: 2024-02-14 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 5329253268, Related case 5329253269, Related case 5329253270, Related case 5329253271, Related case 5329253272, Related case 5329253273, Related case 5329253274, Related case 5329253275, Related case 5329253276, Related case 5329253277, Related case 5329253278, Related case 5329253279, Related case 5329253280, Related case 5329253281, Related case 5329253282, Related case 5329253283, Related case 5329253284, Related case 5329253285, Related case 5329253286

Dispute ID: 12867647 DND: 2024-02-14 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: With 2 or more undisputed transactions with an exact match to the merchant -No signs of ATO ROL Case Number 5329277516, Related case 5329277517, Related case 5329277518, Related case 5329277519, Related case 5329277520, Related case 5329277521, Related case 5329277522, Related case 5329277523, Related case 5329277524, Related case 5329277525, Related case 5329277526, Related case 5329277527, Related case 5329277528

Dispute ID: 12877636 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12877663 DND: 2024-02-15 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 5329291684,Related case 5329291685, Related case 5329291686, Related case 5329291687, Related case 5329291688, Related case 5329291689, Related case 5329291690, Related case 5329291691, Related case 5329291692 ,5329291716

Dispute ID: 12877758 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With undisputed card present transaction.

Dispute ID: 12878092 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 5329338178,5329338179, 5329338180

4985032131167813

Dispute ID: 12878464 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12878682 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12878708 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO ROL Case Number 5329355240, 5329355241, 5329355242, 5329355243 , 5329355278, 5329355279, Related case 5329355280, Related case 5329355281

Dispute ID: 12878906 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12878966 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12879015 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO

Dispute ID: 12879190 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -With undisputed card present transaction.

Dispute ID: 12879351 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO

Dispute ID: 12864861 DND: 2024-02-14 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence Name, and email address not matched

Dispute ID: 12864861 DND: 2024-02-14 Reg E - Unauthorized Transaction Chargeback/Pre arb Decision Outcome: Approved/Deny

Received full merchant credit and partial credit. Claim Deny/Approved following Chargeback/Pre arb Outcome Received compelling evidence
timeframe expired.

Dispute ID: 12592972 DND: 2024-01-10 Reg E - Unauthorized Transaction

Dispute ID: 1286486/12592972-1 DND: 2024-02-14 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Claim Approved following Chargeback Outcome Timeframe expired

Dispute ID: 12766598 DND: 2024-02-01 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence Name, email, address and phone number.

Dispute ID: 12760805 DND: 2024-01-31 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence Name, email and phone number.

Dispute ID: 12872894 DND: 2024-02-15 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 2413349311,Related case 2413349312, Related case 2413349313, Related case 2413349315, Related case 2413349316, Related case 2413349318

Dispute ID: 12873830/12900451 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning: -Member have qualified funding event -No signs of ATO ROL Case Number 2413365465,Related case 2413365466, Related case 2413365467, Related case 2413365468
ROL Case Number 2413365481,Related case 2413365479, Related case 2413365480, Related case 2413365482, Related case 2413365483

Dispute ID: 12875028 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member unfreeze in a way that suggests they have control of the account. -No signs of ATO ROL Case Number 2413376921

Dispute ID: 12877117 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2413388095,Related case 2413388091, Related case 2413388092, Related case 2413388094, Related case 2413388097, Related case 2413388099, Related case 2413388100, Related case 2413388101, Related case 2413388102

Dispute ID: 12878766 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y" .

4232230245290106

Dispute ID: 12879472 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2413400142

Dispute ID: 12880615 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y" .

Dispute ID: 12881354 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2413428997,2413428998,2413428999

Dispute ID: 12881773 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Disputed transactions where AVS "Y" No remote login or Chime impersonation scams -No signs of ATO ROL Case Number 2413443400,Related case 2413443401, Related case 2413443402, Related case 2413443403, Related case 2413443404, Related case 2413443405, Related case 2413443406, Related case 2413443407, Related case 2413443408, Related case 2413443409, Related case 2413443410

4232232165853186

Dispute ID: 12882767 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2413458018,2413458016, Related case 2413458017

Dispute ID: 12883665 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received partial credit
-Member have qualified funding event -No signs of ATO ROL Case Number 2413458243,Related case 2413458238, Related case 2413458239, Related case 2413458240, Related case 2413458241, Related case 2413458242, Related case 2413458244, Related case 2413458245, Related case 2413458246, Related case 2413458248, Related case 2413458249, Related case 2413458250, Related case 2413458251, Related case 2413458252, Related case 2413458253, Related case 2413458254

Are you currently in possession of the card?

Was the card in possession at the time of the transaction(s)?

Were any personal belongings lost/stolen?

Do you keep their card's PIN secured? If no, where is it kept?

Was anyone given access to the PIN?

Was anyone given access to the card?

Dispute ID: 12885177 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning Request additional information with ZD Ticket ‭#84221850‬

4232232195501532

Dispute ID: 12885432 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2413478211,Related case 2413478187, Related case 2413478188, Related case 2413478189, Related case 2413478190, Related case 2413478191, Related case 2413478192, Related case 2413478193, Related case 2413478194, Related case 2413478195, Related case 2413478196, Related case 2413478197, Related case 2413478198, Related case 2413478199, Related case 2413478200, Related case 2413478201, Related case 2413478202, Related case 2413478203, Related case 2413478204, Related case 2413478205, Related case 2413478206, Related case 2413478207, Related case 2413478208, Related case 2413478209, Related case 2413478210

4232232144988541

4232232135475227

Dispute ID: 12886733 DND: 2024-02-16 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event No remote login or Chime impersonation scams -No signs of ATO ROL Case Number 2413478424,Related case 2413478425, Related case 2413478426 , ROL Case Number 2413478436,Related case 2413478438

Dispute ID: 12876085/12902955 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2413498770,2413498769

Dispute ID: 12876217 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member unfreeze in a way that suggests they have control of the account. No remote login or Chime impersonation scams -No signs of ATO ROL Case Number 2413514543,Related case 2413514544, Related case 2413514545,2413514555

Dispute ID: 12876791/12903361 DND: 2024-02-15 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2413514684,Related case 2413514685, Related case 2413514686, Related case 2413514687, Related case 2413514688, Related case 2413514689

Dispute ID: 12887185 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y"

No remote login or Chime impersonation scams

Dispute ID: 12903963 DND: 2024-01-28 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Feb 16, 2024, 6:58:55 PM PST Feb 16, 2024, 10:31:08 AM PST Feb 13, 2024, 8:05:12 PM PST

Dispute ID: 12888684 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No - no SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost With sings of ATO -No 3rd party access -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

4985031101942171 12888684

24022000002011

*Late dispute Filling *No extenuating circumstances

Dispute ID: 12889837 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Ongoing

Decision Outcome Reasoning Request additional information with ZD Ticket ‭#84261546‬

Dispute ID: 12890420 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y"

Dispute ID: 12890626 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2413868525,Related case 2413868509, Related case 2413868510, Related case 2413868512, Related case 2413868513, Related case 2413868514, Related case 2413868515, Related case 2413868516, Related case 2413868517, Related case 2413868518, Related case 2413868519, Related case 2413868520, Related case 2413868521, Related case 2413868522, Related case 2413868523, Related case 2413868524

Dispute ID: 12891060 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No remote login or Chime impersonation scams -No signs of ATO

4985-0320-3989-0128

Dispute ID: 12891125 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2413879594,Related case 2413879588, Related case 2413879589, Related case 2413879590, Related case 2413879591, Related case 2413879592, Related case 2413879593

Dispute ID: 12891206 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No remote login or Chime impersonation scams -No signs of ATO ROL Case Number 241389430,2413894356

Dispute ID: 12891387 DND: 2024-02-17 Reg E - Unauthorized Transaction. Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No remote login or Chime impersonation scams -No signs of ATO

Dispute ID: 12891664 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

4217835057077463

Dispute ID: 12891738 DND: 2024-02-17 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member unfreeze in a way that suggests they have control of the account. -No signs of ATO ROL Case Number 2413915401,Related case 2413915402, Related case 2413915403, Related case 2413915404, Related case 2413915405

Feb 14, 2024, 9:06:55 PM PST Feb 14, 2024, 8:43:35 PM PST

Jan 27, 2024, 12:48:21 PM PST 19:12:37 PST

Dispute ID: 12891974 DND: 2024-02-17 Reg Z - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS override occur -Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• No freezing /unfreezing of the card observed -No Qualified funding event observed. Disputed transaction is not AVS = "A", "X", or "Y"

Feb 16, 2024, 7:58:06 AM PST Feb 16, 2024, 8:32:17 AM PST

Dispute ID: 12891981 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2413938739

304047779333961

Dispute ID: 12892107 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO ROL Case Number 2414006728

Dispute ID: 12892311 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO ROL Case Number 2414029133,2414029134 ,2414029174 , 2414029171, Related case 2414029172, Related case 2414029173

Dispute ID: 12892584 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2414029445

Dispute ID: 12892940 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2414042399,Related case 2414042377, Related case 2414042379, Related case 2414042380, Related case 2414042381, Related case 2414042382, Related case 2414042383, Related case 2414042384, Related case 2414042385, Related case 2414042386, Related case 2414042387, Related case 2414042388, Related case 2414042389, Related case 2414042390, Related case 2414042391, Related case 2414042392, Related case 2414042393, Related case 2414042394, Related case 2414042395, Related case 2414042396, Related case 2414042397, Related case 2414042398

Dispute ID:12894589 DND: 2024-02-18 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12894720 DND: 2024-02-18 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2414100238,2414100239, 2414100240,2414100275,2414100272, 2414100273, 2414100274
ROL Case Number 2414472854

Dispute ID: 12660234 DND: 2024-01-19 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning Claim Approved following chargeback outcome Chargeback Won

Dispute ID: 12666757 DND: 2024-01-20 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Approved

Decision Outcome Reasoning Claim Approved following chargeback outcome Chargeback Won

Dispute ID: 12893007 DND: 2024-02-17 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2414472854,2414472855, Related case 2414472856

Dispute ID: 12897431 DND: 2024-02-18 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member unfreeze in a way that suggests they have control of the account. -No signs of ATO ROL Case Number 2414485886,Related case 2414485887, Related case 2414485888, Related case 2414485889, Related case 2414485890, Related case 2414485891, Related case 2414485892, Related case 2414485893, Related case 2414485894, Related case 2414485895, Related case 2414485896, Related case 2414485897, Related case 2414485898, Related case 2414485899, Related case 2414485900, Related case 2414485901, Related case 2414485902, Related case 2414485903

15:50:54 PST 15:49:56 PST

14:33:54 PST 13:38:40 PST

Dispute ID: 12899002 DND: 2024-02-18 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO

Dispute ID: 12899641 DND: 2024-02-19 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2414515605,Related case 2414515602, Related case 2414515603, Related case 2414515604, Related case 2414515606

Dispute ID: 12900530 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No 3rd party access -With signs of ATO

Dispute ID: 12900806 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12901313 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2414554979,Related case 2414554976, Related case 2414554978, Related case 2414554981, Related case 2414554982, Related case 2414554983 ROL Case Number 2414565155 ,Related case 2414565147, Related case 2414565148, Related case 2414565149, Related case 2414565150, Related case 2414565151, Related case 2414565152, Related case 2414565153, Related case 2414565154, Related case 2414565156, Related case 2414565157, Related case 2414565158, Related case 2414565159 ,ROL Case Number 2414565328,2414565329, Related case 2414565330, Related case 2414565331

Jan 26, 2024, 6:51:05 PM PST

19:46:55 PST

Dispute ID: 12901764 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2414578179, 2414578201

Dispute ID: 12902110 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event No signs of remote login or Chime impersonation scams -No signs of ATO

Dispute ID: 12902512 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received partial credit
With undisputed card present transaction. ROL Case Number 2414587120,2414587167,2414587176

atm fee 103181577 ,103181579,103181580,103181581,103181582,103181583,103181584,103181586

3 7

Dispute ID: 12902965 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member unfreeze in a way that suggests they have control of the account. -No signs of ATO

Dispute ID: 12904938 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning

Dispute ID: 12904057 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction. ROL Case Number 2414667845,2414667897,2414667910

Dispute ID: 12904086 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No - no SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No 3rd party access -No Qualified funding event observed
-Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -No freezing/Unfreezing observed -No 2 or more undisputed transactions with an exact match to the merchant -Not enough signs of fraud -No CB rights

Dispute ID: 12904254 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12904276 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With SMS override AND no phone number changes within 48 hours AND no lost phone -No signs of ATO ROL Case Number 2414733183,2414733180, 2414733182, 2414733184

Dispute ID: 12904938 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO

Dispute ID: 12902806 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event No signs of remote login or Chime impersonation scams -No signs of ATO ROL Case Number 2415212903,Related case 2415212897, Related case 2415212898, Related case 2415212899, Related case 2415212900, Related case 2415212902

Dispute ID: 12921505 DND: 2024-02-21 Reg E - Unauthorized Transfer Decision Outcome: Deny

Decision Outcome Reasoning -Member states they initiated the transaction themselves.

Dispute ID: 12904546 DND: 2024-02-19 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2415282261,Related case 2415282257, Related case 2415282258, Related case 2415282259, Related case 2415282260

January 26, 2024

09:52:46 PST

05:38:02 PST

Dispute ID: 12914621 DND: 2024-02-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received partial credit With undisputed card present transaction. ROL Case Number 2415292390,2415292391

Dispute ID: 12915322 DND: 2024-02-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO

Dispute ID: 12915375 DND: 2024-02-20 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No - no SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No undisputed card present transactions -No 3rd party access -With signs of ATO -No 2 or more undisputed transactions with an exact match to the merchant -Not enough signs of fraud -No CB rights.

-No - no SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No 3rd party access -No Qualified funding event observed
-Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -No freezing/Unfreezing observed -No 2 or more undisputed transactions with an exact match to the merchant -Not enough signs of fraud -No CB rights

Dispute ID: 12915375 DND: 2024-02-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO

16:54:09 PST 16:08:06 PST

Dispute ID: 12918057 DND: 2024-02-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2415359197

Dispute ID: 12917683 DND: 2024-02-21 Reg E - Unauthorized Transaction Decision Outcome: Chargeback

Decision Outcome Reasoning -No - no SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No 3rd party access -No Qualified funding event observed
-Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed -No freezing/Unfreezing observed

Dispute ID: 12918983 DND: 2024-02-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -PIN transaction and the PIN was not changed, lost, or exposed -No signs of ATO ROL Case Number 2415383837

Dispute ID: 12919088 DND: 2024-02-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO

Dispute ID: 12919804 DND: 2024-02-21 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12920326 DND: 2024-02-21 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12920610 DND: 2024-02-21 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12921795 DND: 2024-02-21 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2415466337,Related case 2415466333, Related case 2415466334, Related case 2415466335, Related case 2415466336, Related case 2415466338, Related case 2415466339, Related case 2415466340, Related case 2415466341, Related case 2415466342, Related case 2415466343, Related case 2415466344

Feb 17, 2024, 2:47:51 PM PST Feb 18, 2024, 10:22:11 AM PST un Feb 17, 2024, 6:36:02 PM PST

Dispute ID: 12889837 DND: 2024-02-17 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With undisputed card present transaction.

Dispute ID: 12910820 DND: 2024-02-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -PIN transaction and the PIN was not changed, lost, or exposed -No remote login or Chime impersonation scams -No signs of ATO ROL Case Number 2415832473, 2415832468, Related case 2415832471, Related case 2415832472,2415845507,2415845505, Related case 2415845506 ,

Dispute ID: 12912318 DND: 2024-02-20 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2415852971,Related case 2415852972, Related case 2415852973, Related case 2415852974, Related case 2415852975, Related case 2415852976

Timeframe expired

Dispute ID: 12726823 DND: 2024-01-27 Reg E - Unauthorized Transaction Pre arb/Chargeback Decision Outcome: Approved

Claim approved following Pre arb/Chargeback Outcome

• Pre arb Timeframe expired -Chargeback Acquirer accepted the liability

Dispute ID: 12647262 DND: 2024-01-17 Reg E - Unauthorized Transaction

Dispute ID: 12726823 DND: 2024-01-27 Reg E - Unauthorized Transaction Pre arb/Chargeback Decision Outcome: Approved /Deny

Claim approved following Pre arb/Chargeback Outcome

• Pre arb Timeframe expired -Chargeback Acquirer accepted the liability -Received compelling evidence : Name and email

Dispute ID: 12793288 DND: 2024-02-04 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Pre arb

Decision Outcome Reasoning Received uncompelling evidence Name not ,match

Dispute ID: 12845086 DND: 2024-02-11 Reg E - Unauthorized Transaction Chargeback Decision Outcome: Deny

Claim Deny following Chargeback Outcome Received compelling evidence Name and Phone number matched.

Dispute ID: 12926007 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With freezing/unfreezing observed -No signs of ATO ROL Case Number 2415919928,2415919950

Dispute ID: 12926574 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present transaction.

Dispute ID: 12926956 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning With valid undisputed card present transaction.

Dispute ID: 12914580 DND: 2024-02-20 Reg Z - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning Received full merchant credit With SMS override AND no phone number changes within 48 hours AND no lost phone ROL Case Number 2415997043, 2415997044, Related case 2415997045, Related case 2415997046 , 2415997078,2415997080 ROL Case Number 2415997174 , Related case 2415997175, Related case 2415997176, 2415997219,2415997220, Related case 2415997221, Related case 2415997222, Related case 2415997223,2415997252, 2415997253

Dispute ID: 12928139 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -With freezing/Unfreezing observed -No see signs of remote login or Chime impersonation scams -No signs of ATO ROL Case Number 2416021048,2416021046, 2416021047

Dispute ID: 12928572 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Approved

Decision Outcome Reasoning -No valid undisputed card present transaction. -No SMS override OR SMS override AND phone number changes within 48 hours OR phone reported lost -No 3rd party access. -With signs of ATO -No 2 or more undisputed transactions with an exact match to the merchant -Not enough signs of fraud. -No CB rights.

Feb 22, 2024, 11:10:02 AM PST

February 21, 2024, 17:52:37 PST February 21, 2024, 19:21:44 PST

Dispute ID: 12928572 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2416043347,Related case 2416043348, Related case 2416043349

Dispute ID: 12929242 DND: 2024-02-22 Reg E - Unauthorized Transaction Decision Outcome: Deny

Decision Outcome Reasoning -Member have qualified funding event -No signs of ATO ROL Case Number 2416099325,2416099326, Related case 2416099327