Shared note

Fraud code new update (SIMPLIFIED) 0- if card was lost or not in possession as long as no clear signs that card was stolen

0- if there is contradicting information during and after the disputed transaction then no signs that card was lost/stolen

1- if wallet is stolen/card stolen regardless of any contradicting information as long as card was tagged as stolen

4- in possession card present and if no contradicting information or card was tagged as n/a

5- if disputed card is virtual/temporary regardless of the card status

6- in possession card absent and if no contradicting information or card was tagged as n/a

Decision Outcome: Chargeback

Decision Outcome Reasoning:

• No SMS Override
• No Third Party Access
• No Qualified funding event observed
• No unfreezing event that suggest the full control of account.
• Not a PIN Based transaction

Credit funding events= Balance prior the funding - balance prior the AUTH = ang total Nya + funding - disputed amount

Dispute ID: 13690106 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome:

• Acquirer response timeframe expired
• Previous analyst filed CB proceed to claim resolution

Dispute ID: 13674497 DND: 2024-05-22 Reg Z - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome:

• Acquirer response timeframe expired
• Previous analyst filed CB proceed to claim resolution

Dispute ID: 13676452 DND: 2024-05-22 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome:

• Acquirer response timeframe expired

Dispute ID: 13778540 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome:

• Acquirer accepted liability

Dispute ID: 13779335 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome:

• Acquirer accepted liability

Dispute ID: 13856215 DND: 2024-06-14 Reg E - Unauthorized Transaction

Decision Outcome: Deny Chargeback Decision Outcome: DENY Claim Deny following Chargeback Outcome: -Received compelling evidence

June 16, 2024 05:55:43 PDT

Jun 16, 2024, 05:55:31 PDT

Dispute ID: 13918775 DND: 2024-06-21 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

• No signs of ATO
• With AVS matched

November 28, 2023 14:11:30 PST

Nov 27, 2023, 14:14:00 PST

Dispute ID: 13930814 DND: 2024-06-23 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

• No signs of ATO
• With unfreeze in a way that suggests they have control of the account

Dispute ID: 13924327 DND: 2024-06-22 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

• With find 2 or more undisputed transactions with an exact match to the merchant

Mar 4, 2024, 20:22:15 PST-sms March 4, 2024 20:35:31 PST- auth

March 4, 2024 17:44:44 PST- funding

March 4, 2024 20:35:31 PST- auth

2450755941//2450755987// 2450755998 //2450769514//2450769522//2450769530 //2450769539

Dispute ID: 13925320 DND: 2024-06-22 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

• No SMS Override
• No 3rd party authorization
• No Qualified funding event observed
• No freezing and unfreezing of the card observed
• Not a PIN Based transaction
• No 2 or more undisputed transactions with an exact match to the merchant
• Not enough signs that fraud DID NOT occur to deny the dispute
• Not applicable for EMV transactions on Moto/Counterfeit claims

-ROL case number: 2450755941//2450755987// 2450755998 //2450769514//2450769522//2450769530 //2450769539

Dispute ID: 13932765 DND: 2024-06-23 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

• No Undisputed card present transactions on the lost or stolen card
• No SMS Override
• No 3rd party authorization
• No Qualified funding event observed
• No freezing and unfreezing of the card observed
• Not a PIN Based transaction
• No AVS Matched
• No 2 or more undisputed transactions with an exact match to the merchant
• Not enough signs that fraud DID NOT occur to deny the dispute

Mar 9, 2022, 12:22:47 PST

March 10, 2022 11:12:06 PST

Dispute ID: 13928717 DND: 2024-06-23 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

• No SMS Override
• No 3rd party authorization
• With signs of ATO
• Not applicable for chargeback
• No 2 or more undisputed transactions with an exact match to the merchant
• Not enough signs that fraud DID NOT occur to deny the dispute
• Not applicable for EMV transactions on Moto/Counterfeit claims
• Unable to file FR, transaction more than 2 years.