5861829/ 5861829-1

Dispute ID: 5861829/ 5861829-1. CH disputing 2 Debit Unauthorized Transaction from Domino's and Express Line amounting to $59.08. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny card STOLEN. PIN stated as "Nowhere". Disputed card ending 6018 is closed. Case Decision: Approved VROL Case #: 2303119257,2303119316 Overall Investigation: Disputed merchant Domino's is normal to the CH. With prior history. Spending amount is abnormal. Disputed merchant EXPRESS LINE is normal to the CH. With prior history. Spending amount is normal. No fraud alerts. Balance exhausted after the authorization of the last disputed transaction. No PII changes captured within UT timeline. No signs of ATO. However, No funding event prior to the authorization of the disputed transaction. Galileo, RTA, and Penny deny/ response code 51,46 was captured within the UT timeline on the disputed card. Galileo, RTA, and Penny deny/ response code 46 was captured with the disputed merchant. RTA response code 85 was captured within the UT timeline on the disputed card. RTA: AVS RESULT Z AVS RESULT B VISA: AVS Result: Z ZIP matches, address does not AVS Result: Address verification is not applicable No freezing, unfreezing of the disputed card within the UT timeline. MCO initiated, routed to voicemail for Dominos. Unable to validate information. MCO initiated for Express Line, representative refused to cooperate, unable to validate information. No enough evidence to deny the claim. Claim below CB Rights for Dispute Claim ID 5861829-1, therefore, error found. Final letter ZD Ticket Number 60020573,60020943. CASE CLOSED.

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Internal Note for Dispute ID 5861829: Unable to file CB due to Visa Error. "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".