5424416 from Celia

Dispute ID: 5424416 Dispute Type: Debit - Unauthorized Transaction Dispute Notification Date: 2022-10-31 Case Decision: Filed CB VROL Case# 2273696241 & 2273696260 Overall Investigation:

Dispute ID: 5424416. CH is disputing 3 Unauthorized POS Transaction from Privatereports.com amounting to $80.64. REG E. No claim cancellation. No merchant credit found as of this date. Investigation Card in possession, PIN stored. No manual funding event observed within 24-48hrs prior the authorization of the disputed transaction. No Previous transaction history with same Merchant. As per RTA, Galileo & Visa, With Deny code 10 and Response code 85 within UT timeframe. No fraud alerts. High ending balance after last disputed transaction. No signs of ATO. MOTO: 07 Entry Mode 01. AVS: Z as per RTA and Visa, Recurring Flag: No & International: No. PC Issued on 11.01.2022.with ZD#56778090. MCO routed to VM. CB initiated with VROL