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Card status: in possession PIN status: Memorized 4985032035854672 720749241 2023-08-16 09:27:06 2023-08-17 11:39:30 722660553 2023-08-16 21:38:41 2023-08-18 12:12:29 MAVERIK #438, SALT LAKE CIT, UTUS 5101 S STATE ST, MURRAY, UTUS Payment Type: PIN MCDONALD'S F10781, SALT LAKE CIT, UTUS ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11181106 DND: 2023-08-19 Reg E - Unauthorized Transaction FR submitted, ROL#'s5289277219 , Related case 5289277220, Related case 5289277221, Related case 5289277222, Related case 5289277223, Related case 5289277224, Related case 5289277225, Related case 5289277226, Related case 5289277227, Related case 5289277228, Related case 5289277229 , 5289277312 , Related case 5289277313, Related case 5289277314, Related case 5289277315, Related case 5289277316, Related case 5289277317, Related case 5289277318, Related case 5289277319

Case decision: DENIED Decision Outcome Reasoning: ❈The member stated that they are in possession of their card, yet there was a successful EMV/Chip read at least one of the disputed transactions, suggesting member authorization/presence. No indication of third-party use or card separation. *Spending pattern identified: UBER TRIP ❈Low ending balance after the auth of the disputed transaction. ❈ CH has prior /undisputed history with the disputed merchant(MAVERIK //UBER TRIP//MCDONALD'S), therefore, the merchant and velocity are normal. *Dollar amount normal: UBER TRIP//MCDONALD'S ❈ No PIN compromise was indicated in the cardholder's communications. At least one of their disputed transactions was EMV/Chip and PIN present with no PIN failure error codes or PIN changes. ❈ No PII changes during the disputed timeframe. No hallmarks of ATO. ❈No high risk alert observe within UT timeframe. *Within vicinity transactions. ❈No high risk alert observe within UT timeframe. ❈The disputed transaction (UBER) is Entry mode 10 (Credential on file) with no response code 85 associated to the merchant.

CASE CLOSED. ***Internal note: Unable to file FR on STAR network, no STAR access.

APPROVAL: no manual no f2f

CASE CLOSED

Card status: lost PIN status: memorized 4232232054950556 805532222 2023-05-28 04:57:10 2023-05-29 15:37:13 1106635007 2023-08-15 15:59:25 2023-08-16 12:18:43 U-HAULMIDWEST ACE HARD, MANHATTAN, KSUS DILLONS # 0094 1101 WE, MANHATTAN, KSUS ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11183889 DND: 2023-08-20 Reg E - Unauthorized Transaction FR submitted, ROL#'s5289287358, Related case 5289287359, Related case 5289287360, Related case 5289287361, Related case 5289287362, Related case 5289287363, Related case 5289287364, Related case 5289287365, Related case 5289287366

Case decision: DENIED Decision Outcome Reasoning:
*The member declared their card as lost, yet there was EMV/Chip transaction and cash reloads observed in between/after the authorization of the disputed transaction which contradict their statement. ❈ No PIN compromise was indicated in the cardholder's communications. At least one of their disputed transactions was EMV/Chip and PIN present with no PIN failure error codes or PIN changes. *Manual funding observed prior. *CH has undisputed/prior history with the disputed merchant (Playerauctions//DILLONS ); merchant, velocity are normal. *Dollar amount normal: Playerauctions ❈No high risk alert observe within UT timeframe. ❈Low ending balance after the auth of the disputed transaction. ❈Cash in/cash out observed within UT timeframe ❈ With freezing/unfreezing events. ❈ No confirmed of ATO *within vicinity transactions. *PTF claims.

CASE CLOSED.

APPROVAL: XXXXXX XXXXX

CASE CLOSED

Card status: lost PIN status: In my phone's notes

4232232192877851 1109149130 3-08-16 10:04:17 2023-08-17 14:51:01 1110273888 2023-08-16 15:16:49 2023-08-18 15:55:44 MCDONALD'S F4225, DRESHER, PAUS 1678SUSQUEHANNA RD, DRESHER, PAUS CVS/PHARMACY #07 07253, DRESHER, PAUS ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11154136 DND: 2023-08-19 Reg E - Unauthorized Transaction ROL#5289300682 , 5289300683

Case decision: CB Decision Outcome Reasoning: *No manual funding activity, cash in/cash out, spending or behavioral pattern observed. *No cash reloads or undisputed EMV/Chip transactions observed after the auth of the disputed transaction. *The member has no prior history with the same merchant (Capital One Card ) , hence, merchant and velocity are abnormal. *Dollar amount not normal. *No freezing/unfreezing activity observed during the UT timeframe. *Deny code observed. *PI yes however no information matched on our records.

CASE ONGOING.

Card status: in possession PIN status: memorize it

4985031160012965 4851685236 2023-08-16 19:00:18 2023-08-17 10:44:29 4859417914 2023-08-18 11:03:29 2023-08-19 10:48:34

CASH APP*MARVIN TAY, 8774174551, CAUS

❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11186867 DND: 2023-08-20 Reg E - Unauthorized Transaction FR submitted, ROL#'s 5289347846 , Related case 5289347847, Related case 5289347848, Related case 5289347849, Related case 5289347850, Related case 5289347851, Related case 5289347852, Related case 5289347853, Related case 5289347854, Related case 5289347855, Related case 5289347856, Related case 5289347857, Related case 5289347858, Related case 5289347859

Case decision: DENIED Decision Outcome Reasoning: *Spending pattern observed. *CH has undisputed history for some of the disputed merchant and recipients; merchant, velocity are normal. *Dollar amount are normal for some merchant Cash App. *Low ending balance after the auth of the disputed transaction. *Manual funding prior. ❈No fraud alert captured during the UT timeline. ❈ No PII changes during the disputed timeframe. No hallmarks of ATO. *PI yes and CH Account ID/phone matched on our records.

CASE CLOSED.

APPROVAL: no c2c no f2f

CASE CLOSED

Card status: not in poss PIN status: Nowhere//Phone 4232230279036631 7647937600 2023-08-03 13:03:48 2023-08-04 11:35:40 7648169830 2023-08-03 13:54:42 2023-08-04 11:35:40

❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11190870 DND: 2023-08-20 Reg E - Unauthorized Transaction

Case decision: DENIED Decision Outcome Reasoning: *Spending pattern identified: the member has at least 3 consecutive prior transactions with the same merchant supporting that it is normal for them to transact with the merchant. *Continuous funding observed. *CH has undisputed history with the disputed merchant and recipient; merchant and velocity are normal. ❈No fraud alert captured during the UT timeline. ❈ No PII changes during the disputed timeframe. No hallmarks of ATO. *PI yes and CH Account ID/phone matched on our records.

CASE CLOSED.

APPROVAL: no manual no emv high no c2c

CASE CLOSED

Card status: not in possession PIN status: yes, memorized

4232230237325753 7674909583 2023-08-09 12:57:04 2023-08-10 11:29:26 7717473321 2023-08-18 11:09:26 2023-08-19 12:01:39 KAIAS HEALTHY VENDIN LOS ANGELES, CA US USH PARKING RC UNIVERSAL CIT, CA US FLEMINGS #1552, PASADENA, CAUS FRONTIER AI HHI9QK, DENVER, COUS ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11191291 DND: 2023-08-21 Reg E - Unauthorized Transaction FR submitted, ROL#5289373400 , Related case 5289373401, Related case 5289373402, Related case 5289373403, Related case 5289373404, Related case 5289373405, Related case 5289373406

Case decision: DENIED Decision Outcome Reasoning: ❈Manual funding prior. ❈Cash in/cash out observed within UT timeframe ❈Continuous funding observed. ❈With freezing/unfreezing event. ❈No PII changes during the disputed timeframe. No hallmarks of ATO. ❈No fraud alert captured during the UT timeline. ❈Within the state transactions, except for merchant FRONTIER

CASE CLOSED.

APPROVAL: high abnormal\

CASE CLOSED

Card status: in possession PIN status: wrote down in wallet 4232230218436926 7715933364 2023-08-18 03:55:54 2023-08-19 11:26:30 7715942279 2023-08-18 03:58:55 2023-08-19 11:26:30 18500 GRAND RIVER AVE, DETROIT, MIUS

❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11161512 DND: 2023-08-21 Reg E - Unauthorized Transaction FR submitted, ROL#'s 5289429278 , Related case 5289429279, Related case 5289429280, Related case 5289429281

Case decision: DENIED Decision Outcome Reasoning: *There was an account funding event that happened prior to the disputed transactions which made it possible for the said transactions to go through. *Continuous funding observed. ❈Exhausted balance after the auth of the disputed transaction. ❈Spot me limit was utilized. ❈ No PIN compromise was indicated in the cardholder's communications. The disputed transactions was EMV/Chip and PIN present with no PIN failure error codes or PIN changes. *Within vicinity transactions. ❈No fraud alert captured during the UT timeline. ❈ No suspicious declined codes or response code observed. ❈ Card was frozen. ❈ No PII changes during the disputed timeframe. No hallmarks of ATO.

CASE CLOSED.

APPROVAL: XXXXXX XXXXX

CASE CLOSED

Card status: in poss PIN status: Phone 4232230285945783 7720228051 2023-08-18 20:51:28 2023-08-19 10:47:46 7720422385 2023-08-18 21:53:19 2023-08-20 10:32:36

❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11194490 DND: 2023-08-21 Reg E - Unauthorized Transaction FR submitted, ROL#5289444651 , Related case 5289444652, Related case 5289444653, Related case 5289444655

Case decision: DENIED Decision Outcome Reasoning: *There was an account funding event that happened prior to the disputed transactions which made it possible for the said transactions to go through. ❈CH has prior history with the disputed merchant, therefore, the merchant, and velocity are normal. ❈No fraud alert captured during the UT timeline. ❈Low ending balance after the auth of the disputed transaction. ❈No confirmed ATO. ❈No suspicious declined codes or response code observed within UT timeline. ❈PI yes and CH Account ID/phone matched on our records.

CASE CLOSED

APPROVAL no f2f

XXXXX

CASE CLOSED

Card status: XXXX PIN status: secured 4232232000741539 2190585 2022-03-01 12:03:16 2022-03-03 18:52:31 ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11195074 DND: 2023-08-21 Reg E - Unauthorized Transaction FR submitted, ROL#5289456679

Case decision: APPROVE Decision Outcome Reasoning: -Received full merchant credit.

Case closed.

Card status: stolen PIN status: Written small on the back side. 4232232028752781 1045245212 2023-07-30 18:21:34 2023-07-31 10:31:10 1114874576 2023-08-17 15:28:40 2023-08-19 10:47:50 WOODSPRING SUITES TAMARAC TAMARAC, FL US SLEEP INN & SUITES, DANIA BEACH, FLUS HTS FORT LAUDERDALE-CO, FORT LAUDERDA, FLUS ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11194538 DND: 2023-08-21 Reg E - Unauthorized Transaction

Case decision: DENIED Decision Outcome Reasoning: *There was an account funding event that happened prior to the disputed transactions which made it possible for the said transactions to go through. *The member declared their card as stolen, yet there were EMV/Chip transactions and cash reloads in between the authorization of the disputed transactions which contradict their statement. *Within vicinity transactions. ❈Low ending balance after the auth of the disputed transaction. ❈No high risk alert observe within UT timeframe. ❈ With freezing/unfreezing events. ❈ No PII changes during the disputed timeframe. No hallmarks of ATO.

CASE CLOSED.

APPROVAL: no spenidng XXXXX

CASE CLOSED

Card status: XXXX PIN status: XXXXX

❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: XXXXXX DND: XXXXX Reg E - Unauthorized Transaction FR submitted, ROL#

Case decision: XXXXX Decision Outcome Reasoning:

DENIAL: XXXXX XXXX

APPROVAL: XXXXXX XXXXX

CASE CLOSED

Card status: XXXX PIN status: Written down somewhere. 4232230292037285 7574208345 2023-07-19 14:11:54 2023-07-21 18:33:24 7651950910 2023-08-04 07:08:14 2023-08-06 12:06:53 ❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈❈
Dispute ID: 11196339 DND: 2023-08-21 Reg E - Unauthorized Transaction FR submitted, ROL#5289542090 , Related case 5289542091, Related case 5289542092

Case decision: DENIED Decision Outcome Reasoning: *Spending pattern identified *CH has undisputed history with the disputed merchant; merchant, and velocity are normal. ❈No fraud alert captured during the UT timeline. ❈Low ending balance after the auth of the disputed transaction. *Continuous funding observed in between the auth of the disputed transactions. ❈ With freezing/unfreezing events. ❈ No PII changes during the disputed timeframe. No hallmarks of ATO. ❈ No suspicious declined codes or response code observed.

CASE CLOSED.

APPROVAL: XXXXXX XXXXX

CASE CLOSED