Notations from QA

The amounts are not abnormal, as the transactions amount are not outside of the historic spend of the member, suggesting no red flags.

The disputed merchants "The Fuel Doc Travel Cen", "Food Lion", "Pitt County Abc Store #" are not abnormal, as the member is having prior transaction history with the disputed merchants.

The location of the disputed transaction is not abnormal, as it is within the location/vicinity of the member's hometown address we have on the file "Greenville, NC, US".

The account of the member has scattered deposit activity throughout the disputed timeframe (Transfer from Chime Savings Account, Visa money transfer), suggesting normal spend and control of the account.

No denial or fraud codes present on the disputed transactions during the disputed timeframe, the disputed transactions went through successfully without insufficient funds errors (code 51), no PIN failures (code 55), suggests that the member had knowledge of the account balance.

No fraud/suspicious code "59" present during disputed timeframe, no signs of fraud alert captured.

No PII or PIN changes during the disputed timeframe.

No hallmarks of ATO.