Shared note

1.Dispute ID:4304705.DND: 2022-05-22. CH claimed 1 Unauthorized Transaction against Rocketresume in the amount $24.95. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. InvestigationAs per vcf , Card is in possession. Card absent transaction. Initiated MCO to ROCKETRESUME routed to VM. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). transaction below CB threshold. No CB rights. No recovery options available. Therefore Error found. Filed FR with VROL case# 5184348669 . Final letter sent. Case Closed.

2*Dispute ID:4303747. DND:2022-05-21. CH claim 1 Unauthorized Transaction against Google in the amount $12.98. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per VCF, card is in possession. Card absent transaction. No merchant call out initiated merchant part of DNC list. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). High ending credit for $100.00. Therefore Error found. Filed FR with VROL case#5184348776. Final letter sent. Case Closed.

10*Dispute ID: 4302167. DND: 2022-05-22. CH claimed 1 Unauthorized Transaction against Doordash in the amount $20.05. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per vcf, card is in possession. Card absent transaction. No merchant call out initiated merchant part of DNC list. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). Transaction below CB threshold. No CB rights. Therefore Error found. Filed FR with VROL case# 5184348907. Final letter sent. Case Closed.

3.Dispute ID:4302753. DND:2022-05-21. CH claimed 1 Unauthorized Transaction against Dermoist Serum in the amount $69.99. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per VCF, Card is in possession. Card absent transaction. Initiated MCO to DERMOIST SERUM however, no previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). Transaction No CB rights. No recovery option available. Therefore, Error found. Filed FR with VROL case# 5184369116. Final letter sent. Case Closed.

4.Dispute ID: 4301954. DND: 2022-05-20. CH claimed 5 Unauthorized Transaction against Dtlr, Dizzy Ds Liquor Store, Usa*Deltona Plaza Laund, Racetrac695 and Ichigo Ichie Buffet in the amount $194.67. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per penny disputes card is not in possession. Card present transaction. There were no valid card present transactions after the disputed charge, no spending/behavioral pattern. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). Transactions No CB rights. No recovery options available. Finalizing the claim as Error found. Filed FR with VROL case# 5184396592, 5184396610 , 5184396627, 5184396639 and 5184396651. Manual letter sent for linked disputes with ZD#48247102‬. Case Closed.

5*Dispute ID: 4305533. DND: 2022-05-21. CH claimed 11 Unauthorized Transaction against Google in the amount $9.79. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per peeny didputes card is in possession. Card absent transaction. No merchant call out initiated merchant part of DNC list. No declined transactions (deny code 51 / 43). With funding event prior or after the disputed transaction from Transfer for Program DDA (TC) dated 2022-05-20 12:10:58 in the amount $24.56. Available credit to spend was exhausted. No fraud alert/indication captured by the system. Therefore No Error found. Filed FR with VROL case# 5184399381, 5184399405 , 5184399419 , 5184399434 , 5184399445, 5184399459, 5184399477, 5184399488 , 5184407500, 5184407521 and 5184407547. Final letter sent with ZD#48247492. Case Closed.

6*Dispute ID: 4305228. DND: 2022-05-20. CH claimed 7 Unauthorized Transaction against ATM Withdrawal, Hy Vee Peoria Ffe, Caseys, Dollar General and Shell/Shell in the amount $190.88. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per VCF card is not in possession. Card present transactions. There was an undisputed card-present transaction in between or after the disputed transactions from 106 OBLIQUE ST, WASHBURN, ILUS dated 2022-05-20 19:17:21. No declined transactions (deny code 51 / 43) . Disputed transaction is within the vicinity and approximately 11 mins drive from CH address,(CASEYS #1490, VARNA, ILUS) Disputed transaction is within the vicinity and approximately 4 mins drive from CH address. Disputed transacion is within the state,(HY-VEE PEORIA FFE 5519, PEORIA, ILUS). Disputed transaction is within the vicinity and approximately 11 mins drive form CH' Address. No fraud alert/indication captured by the system. Therefore No Error found. Filed FR with VROL case# 5184429908 , 5184429944 , 5184429952 , 5184429967 , 5184429981, 5184429993 and 5184438505. Manual letter sent for linked disputes with ZD#48248912. Case Closed.

9*Dispute ID: 4264103. DND:2022-05-15. Ch claimed 1 Unauthorized Transaction against Disney Plus in the amount $7.99. Reg Z claim. Claim not eligible for PVC. Card was replaced. No claim cancellation as of this date. No merchant credit. Investigation As per penny disputes card is in possession. Card absent transaction. Initiated MCO to DisneyPLUS However, As per live rep named Cynthia they are unable to provide information to a third party caller. No previous transaction from the same Merchant. No spending/behavioral pattern. With fraud alert/indication captured by the system. Transaction below CB threshold. No CB rights. Therefore Error found. Filed FR with VROL case#5184451909. Final letter sent. Case Closed.

Dispute ID: 4296211. DND:2022-05-20. CH claimed 1 Unauthorized Transaction against #1902 D4 C1, The Juicy in the amount $146.51. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request.

7*Dispute ID: 4296514. DND: 2022-05-20. CH claimed 1 Unauthorized Transaction against Premium Boost Ext in the amount $99.95. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per VCF card is in possession. Card absent transaction. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). Transaction No CB rights. No recovery options available. Finalizing the claim as Error found. Filed FR with VROL case#5184461720. Final letter sent. Case Closed.

8*Dispute ID:4296058. DND: 2022-05-21. CH claimed 2 Unauthorized Transaction against Suddenly Savings in the amount $91.90. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. No merchant credit found as of this date. No claim cancellation request.As per VCF card is in possession. Card absent transactions. Initiated MCO to SUDDENLY SAVINGS However, routed to VM. No declined transactions (deny code 51). Funding event was observed from Transfer for Program DDA (TC) dated 022-05-19 03:15:10 amounting $200.06. Available credit to spend was almost exhausted. No fraud alert/indication captured by the system. Therefore No Error found. Filed FR with VROL case#5184473065 and 5184473127. Final letter sent. Case Closed.

05-24-2022 Dispute ID: 4308569. DND:2022-05-22. CH claimed 1 Unauthorized Transaction against Wyre*Wyre in the amount $100.00. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card absent transaction. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). High ending credit for $100.00 No enough evidence to deny the claim. Filed CB on 2022-24-05 with VROL case#5184906452 . Send acknowledgement letter with ZD#48305345‬. Case Ongoing.

4091797- Timeframe expired 4129987- Timeframe 4299711-

Dispute ID:4091797. DND: 2022-04-20. CH claimed 1 Unauthorized Transaction against Fyfsup.com in the amount $44.62. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Chargeback Won. Time Frame Expired. VROL case#5183808781. Error found. Final letter sent. Case Closed. ****************************************************************Dispute ID: 4129987. DND: 2022-04-24. CH claimed 1 Unauthorized Transaction against Taconganas in the amount $49.26. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found. No claim cancellation request. Pre Arb Won. Time Frame Expired. VROL case#2222452792. Error found. Final letter sent. Case Closed.

Dispute ID: 4299711. DND: 2022-05-21. CH claimed 1 Unauthorized Transaction against ATM Withdrawal in the amount $140.00. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card present transaction. No declined transactions (deny code 51).With funding event prior the disputed transaction from Transfer for Program DDA (TC) dated 2022-05-19 18:44:39 amounting $130.83. Available credit to spend was almost exhausted. No fraud alert/indication captured by the system. Therefore No Error found. Unable to Filed FR No access to Star Network. Case Closed.

Dispute ID:4248382. DND: 2022-05-12. CH claimed 2 Unauthorized Transaction against Northfield Inn Suite and Thorntons in the amount $436.96. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation Card status not specified. Card present transaction. There was an undisputed card-present transaction in between or after the disputed transactions from WM SUPERCENTER #1602 SPRINGFIELD ILUS dated 2022-03-27 16:40:33. With previous transactions from the same merchant, same ATM location, same merchant address.( THORNTONS #0370, SPRINGFIELD, ILUS). No declined transactions (deny code 51 / 43). Available credit to spend was exhausted/Low ending(Below $100). Disputed transaction is within the vicinity and approximately 9 mins from CH address from merchant NORTHFIELD INN SUITES, SPRINGFIELD, ILUS. Disputed transaction is within the vicinity and approximately 10 mins from CH address from merchant THORNTONS #0370, SPRINGFIELD, ILUS. No fraud alert/indication captured by the system. Therefore, No Error found. Filed FR with VROL case#5185038983. Final letter sent. Case Closed.

Dispute ID:4334631. DND: 2022-05-25. CH claimed 1 Unauthorized Transaction against Apple in the amount $35.99. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation Card not specified. Card absent transaction. No merchant call out initiated merchant part of DNC list.

No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). No enough evidence to deny the claim. Filed CB on 2022-27-05 with VROL case#5186674525. Send acknowledgement letter with ZD#48508678. Case Ongoing.

Dispute ID: 4334606. DND:2022-05-25. CH claimed 2 Unauthorized Transaction against Cfk*Pf Rewards and Bird in the amount $54.95. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation. Investigation As per penny disputes card is in possession. Card absent transaction.

05/28/2022 ***Dispute ID: 4344699. DND:2022-05-26. CH claim 1 Unauthorized Transaction against W+Subscriptionwalmart.C in the amount $12.95. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card absent transaction. No merchant call out initiated merchant part of DNC list. No previous transaction from the same Merchant. no spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). Transaction below threshold. No CB rights. Therefore, ERROR found. Filed FR with ZD#5187251225. Final letter sent. Case Closed.

Dispute ID:4351478. DND:2022-05-26. CH claimed 1 Unauthorized Transaction against Walmart in the amount $46.20. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per VCF, card is in possession. Card absent transaction. No merchant call out initiated merchant part of DNC list. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). No enough evidence to dent the claim. Filed CB with VROL case# 5187251302. Send acknowledgement letter with ZD# 48570327‬. Case Ongoing.

2** Dispute ID: 4338602. DND: 2022-05-26. CH claimed 2 Unauthorized Transaction against Amazedtechwo and Superdolllandcom in the amount $11.90. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card absent transaction. Initiated merchant call out to AMAZEDTECHWO and SUPERDOLLLANDCOM. Spoke with Mary She said that CH place an order for nature living Gummies and keto and the charges that she have is for the shipping and handling fee. Verified mm's information from the merchant in regards with the disputed transaction (Name matched, address matched, phone # matched, email address matched). No declined transactions (deny code 51). Available credit to spend was exhausted. Therefore No Error found. Filed FR with VROL case# 5187253939 and 5187253942. Final letter sent. Case Closed.

4** Dispute ID: 4350616. DND:2022-05-26. CH claimed 2 Unauthorized Transaction against Amazon in the amount $26.25. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possesion. Card absent transaction. No merchant call out initiated merchant part of DNC list. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). High ending credit for $100.00. No CB rights. Therefore, Error found. Filed FR with VROL case# 5187268100 and 5187268103. Final letter sent. Case Closed.

Dispute ID: 4342447. DND: 2022-05-26. CH claim 1 Unauthorized Transaction against DdlNugenix in the amount $57.58. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card absent transaction. Initiated MCO to DDLNugenix, 888-2285146, NCUS however, routed to VM. No spending/behavioral pattern. No funding event prior the disputed transaction (TJ or TC). No enough evidence to deny the claim. Filed CB on 2022-28-02 with VROL case# 5187269364. Send acknowledgement letter with ZD#4857190. Case Onging.

7**Dispute ID:4343317. DND: 2022-05-26. CH claimed 1 Unauthorized Transaction against Smokey Bear Shop in the amount $74.86. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per VCF, card is in possession. Card present transaction. Initiated MCO to SMOKEY BEAR SHOP, ORLANDO, FLUS however routed to VM. Disputed transaction was made through an EMV chip capable terminal and was captured with Entry Mode 05 Chip Data Service Code 201 and Terminal Entry Capability 5, reliable with no fallback error. No declined transactions (deny code 51). Funding event was observed minutes prior the authorization of the disputed transation on 2022-05-25 11:04:17 via Transfer from Bancorp Debit (TJ) for $400.00. Available credit to spend was exhausted. There is an undisputed card present transaction within the vicinity of the disputed transaction from FAMILY DOLLAR #11832, ORLANDO, FLUS dated 2022-05-25 11:37:55. Disputed transaction is within the vicinity of the CH's address on file, there is an undisputed card present transaction within the vicinity of the disputed transaction. No fraud alert/indication captured by the system. Therefore No Error found. Filed FR with VROL case#5187312419. Final letter sent. Case Closed.

4** Dispute ID: 4339395. DND: 2022-05-26. CH claim 7 Unauthorized Transaction against Foxbet Stars and Stars in the amount $900.00. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card absent transactions. Initiated MCO to STARS 2856769201, CHERRY HILL, NJUS However routed to busy tone. Initiated MCO to FOXBET STARS, Atlantic City, NJUS 8885123887 however, routed to VM. With previous transactions from the same merchant. ( FOXBET STARS, Atlantic City, NJUS) No declined transactions (deny code 51). With funding event prior the disputed transaction from Transfer from Bancorp Debit (TJ) dated 2022-05-24 19:00:51 amounting $900.56. Available credit to spend was low ending. No fraud alert/indication captured by the system. Therefore No ERROR found. Filed FR with VROL case#5187289776, 5187289786, 5187289792, 5187289801, 5187289807 , 5187289812 and 5187289821. Final letter sent. Case Closed.

5** Dispute ID: 4339149. DND: 2022-05-26. CH claim 3 Unauthorized Transaction against Apple in the amount $500.00. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation request. Investigation As per penny disputes card is in possession. Card absent transaction. No merchant call out initiated merchant part of DNC list. No declined transactions (deny code 51). With funding event prior the disputed transaction from Transfer from Bancorp Debit (TJ) dated 2022-05-24 19:08:32 amounting $670.13. Available credit to spend was almost exhausted. No fraud alert/indication captured by the system. Therefore No Error found. Filed FR with VROL case#5187289983,5187289996 and 5187312012. Final letter sent. Case Closed.

6* Dispute ID: 4331621. DND: 2022-05-27. CH claimed 1 Unauthorized Transaction against Bls*Mkid.App in the amount $48.99. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found as of this date. No claim cancellation. Investigation As per VCF, card is not in possession. Card absent transaction. No declined transactions (deny code 51). With funding event prior or after the disputed transaction from Transfer for Program DDA (TC) dated 2022-05-24 01:24:10 . Available credit to spend was low ending. No fraud alert/indication captured by the system. Therefore, No Error found. Filed FR with VROL case#5187312194. final letter sent. Case Closed.

Dispute ID: 4243314. DND:2022-05-11. CH claimed 1 Unauthorized Transaction against Cash App Joseph Jac in the amount $56.65.Reg Z claim. Claim not eligible for PVC. Card was replaced. Investigation Card absent transaction. As per penny disputes, Card is not in possession. No merchant credit found. No claim cancellation request. Initiated Pre Arb on 2022-28-05. Case Ongoing

Dispute ID: 4350273. DND: 2022-05-27. CH claimed 1 Unauthorized Transaction against Shell Oil in the amount $15.05. Reg Z claim. Claim not eligible for PVC. Card was replaced. No merchant credit found. No claim cancellation request. Investigation As per VCF card is in possession. Card present transaction. No previous transaction from the same Merchant. No spending/behavioral pattern. No funding event prior the disputed transaction. High ending credit for $100.00. Out of state transaction With no valid/prev transaction from said state. Transaction below threshold. No CB rights. Therefore Error found. Filed FR with VROL case#5187506640. Final letter sent. Case Closed.