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Dispute ID: d8f62649-e2dd-4af6-b3d6-1958808b60b0. Lean Case no.: 30164460. ICC is on: 2023-02-09. Cardholder is disputing (1) EA Duplicate Charge against AMZN Mktp US*TB9NG6FH3 Amzn.com/billWAUS amounting to $130.43. Reg E claim. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Investigation ** OLD Account. MOTO/ECI: 7, Entry mode: 01. Request for additional Information Form dated Feb 14, 2023. Ask the CH "Do you show a double billing for this transaction on your end?", "What was purchased?", "How much was the customer supposed to be charged?". PVC Issued. Case ongoing.

Do you show a double billing for this transaction on your end? What was purchased? How much was the customer supposed to be charged?

5236509154

Dispute ID: a4218ab2-0873-45b4-876a-c5fee9217add. Lean Case no.: 30164483. ICC is on: 2023-02-09. Cardholder is disputing (1) Unauthorized Transaction against UNDERDOG SPORTS LLC 352-875-4839 NYUS amounting to $50. Reg E claim. Card status: stolen. PIN status: written-down. Card not present transaction(s). Card status in MORTY: DEACTIVATED. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Investigation ** NEW Account. MOTO/ECI: XX, Entry mode: XX.

MOTO 7 Entry 01 With

Lean Case ID: 30164483. Dispute ID: a4218ab2-0873-45b4-876a-c5fee9217add. CH claimed (1) Unauthorized Transaction against UNDERDOG SPORTS LLC 352-875-4839 NYUS amounting to $50 settled on Feb 03, 2023. ICC date: Feb 09, 2023. Reg E claim. New Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 6219 is already deactivated. Card stolen. PIN status: Written-down. Card not present. INVESTIGATION Account was funded via Wallet amounting to $70 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. The Cardholder mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transactions after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. FR done #5236555796. Submitted a request to the current team to send Final letter reporting. Case closed.

ROL Case Number 5236555796

Lean Case ID: 30164508. Dispute ID:210c6d58-281d-4145-b45f-80af9cdc6a19. CH claimed (1) Unauthorized Transaction against CASH APP*CED HUNJYY amounting to $1000 settled on March 10, 2022. ICC date: Feb 09, 2023. Reg E claim. Old Account. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 6219 is already deactivated. Card stolen. PIN status: Written-down. Disputed transaction is PTF and not eligible for PVC. INVESTIGATION The Cardholder mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transactions before the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. Unable to file FR, due to Morty having an error copying the PAN.

kathlyn.robledo

khate.loquias@ubiquity.comrent.com

Moto 7 Entry Mode 01

Lean Case ID: 30164532. Dispute ID:de283f8a-e828-42c8-8251-a22997b1600a. CH claimed (1) Unauthorized Transaction against HOLLYWOOD RACES HAMDEN CTUS amounting to $355.01 settled on Jan 01, 2023. ICC date: Feb 10, 2023. Reg E claim. Old Account. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 7215 is already deactivated. Card lost. PIN Status: Written-down. Disputed transaction is PTF and not eligible for PVC. INVESTIGATION No funding activity. Morty suspended. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. However, upon exhausting the investigation I found out the CH was a Reg-E player and dispute abuser. total disputed transaction was 17. For escalation. No PVC Provided yet since it is for escalation. File FR on 02/14/2023 with ROL Case #5236663148. Case ongoing.

5236663148 1:32 PM DST Patty Layners

Lean Case ID: 30164563. Dispute ID:b8999f05-aac2-4f88-8afe-67ae862d6e06. CH claimed (1) Unauthorized Transaction against REDSTONE PAWN amounting to $200.00 settled on Jun 23, 2022. ICC date: Feb 10, 2023. Reg E claim. Old Account. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 4238 is already deactivated. Card lost. PIN Status: Written-down. Disputed transaction is PTF and not eligible for PVC. INVESTIGATION Account was funded via Pay amounting to $200 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. Unable to file FR, due to Morty having an error copying the PAN. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30165021. Dispute ID: 38dc8e9b-d813-4b3f-aacb-10a8c93ae49c. CH claimed (1) ATM Cash Partial/Not Dispensed from 560 CENTER AVE MARTINEZ CAUS for $400.00 settled on Feb 10, 2023. ICC: Feb 10, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/15/2023 10th bd ($220). No claim cancellation and No Merchant Credit Received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Proceed to CB with VROL# 5237229707. Case ongoing.

229707

ROL Case Number 5237229707 Dispute Reason: 04

Lean Case ID: 30165059. Dispute ID: 96cf4c29-6b80-4484-90e4-0d8502c4858f. CH claimed (1) Service/Merchandise Not Received from WALMART.COM 800-966-6546 ARUS for $115.73 settled on Feb 01, 2023. ICC: Feb 11, 2023. Non Reg E claim. Old Account. No claim cancellation and No Merchant Credit Received. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Initiated Chargeback on 2023-02-15 with ROL Case number: 5237303943 with CB code 13.1. Merchant has 30 days to respond. PVC Issue. Case in progress.

ROL Case Number 5237303943 13.1 Moto 7 Entry Mode 01

Lean Case ID: 30165100 . Dispute ID: 99152dd3-4c59-4204-8cb1-6f75eb81a7b0. CH claimed (1) Unauthorized Transaction against BLINK MOTO #632 800-256-1953 NYUS amounting to $72.12 settled on Feb 10, 2023. ICC date: Feb 11, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/15/2023 10th bd. No claim cancellation and No merchant credit received. Card ending in 4713 is already deactivated. Card in possession. PIN status: Written-down. Card not present. INVESTIGATION Disputed Amount is an Online Transaction. No funding event that has an impact prior to the disputed transaction. No spending pattern found. No Prior History. MCO unsuccessful: Wasn't able to connect with a live agent. Been waiting in the line for more than 3 minutes. No enough evidence was found to deny the claim. Has chargeback rights. Therefore, file a CB and FR with VROL # 5234878820 with CB code 10.4. PVC issued. Case ongoing.

Moto 2 Entry 10

ROL Case Number 5237371966 10.4

ERRATUM: Lean Case ID: 30165133. Dispute ID: c8d15f59-c760-418a-a7c9-5330be913fca. CH claimed (1) EA Cancellation from IC* INSTACART*SUBSCRIP HTTPSINSTACARCAUS for $104.94 settled on Feb 10, 2023. ICC Date: Feb 11, 2023. Reg E claim. Old Account. Card Absent Transaction. No claim cancellation received. Full merchant credit received amounting to $104.94 settled on Feb 11, 2023 with TUID: AnytpAjolptzd-kFwftihbenpxd-koklyjooorCog-zqDfzrlppzvei. Therefore, Error found. Endorse to Current for sending of final letter. Case closed.

Moto 2 Entry Mode 10

Lean Case ID: 30165160. Dispute ID: 34b61909-31f8-402d-9490-869e32ec68ff. CH claimed (1) EA Duplicate Charge from WALMART.COM 800-966-6546 ARUS for $87.79 settled on Jan 13, 2023. ICC date Feb 11, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/15/2023 (10th bd). No claim cancellation and No merchant credit received. ** INVESTIGATION ** Request for additional Information Form dated Feb 15, 2023. Ask the CH "What was purchased?", Do you show a double billing for this transaction on your end?", "How much was the customer supposed to be charged?" Case ongoing.

Moto 7 Entry 01

30164508

Lean Case ID: 30164508. Dispute ID:210c6d58-281d-4145-b45f-80af9cdc6a19. CH claimed (1) Unauthorized Transaction against CASH APP*CED HUNJYY amounting to $1000 settled on March 10, 2022. ICC date: Feb 09, 2023. Reg E claim. Old Account. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 6219 is already deactivated. Card stolen. PIN status: Written-down. Disputed transaction is PTF and not eligible for PVC. INVESTIGATION The Cardholder mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transactions before the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Unable to file FR, due to Morty having an error copying the PAN. Therefore, No Error Found. No credit issued. Was able to get an approval from Current for denial. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID: 30165541. Dispute ID: d18f5c28-3ba1-4614-abdc-0c8dc97ab494. CH claimed (1) Merchandise/Service Not Received from LITTLE CAESARS 1734 708-396-8571 ILUS for $49.92 settled on Feb 11, 2023. ICC date: Feb 12, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received (If applicable). INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone. Phone number available is only for order taking. Proceed to CB with VROL# 5237852964. Case ongoing.

Moto 7 Entry Mode 10 ROL Case Number 5237852964 13.1

Lean Case ID: 30165592. Dispute ID: a85b2a35-ed45-451d-bb3d-a0fe7ea406a2. CH claimed (1) Unauthorized Transaction from SPEEDWAY 04497 for $32.20 settled on Jun 03, 2021. ICC date: Feb 12, 2023. Reg E claim. Old Account. PTF claim. No claim cancellation and No merchant credit received. Card ending in 9959 is already deactivated. Card Status: Lost. PIN Status: Written-Down. Card Present. Disputed transaction is PTF and not eligible for PVC. INVESTIGATION Account was funded via Payment amounting to $147.75 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. With prior history. Cash in/Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. All transactions are within Cardholder’s typical spending activity. Therefore, NO ERROR FOUND. Unable to file FR, due to Morty having an error copying the PAN. Case Closed.

ubiq-johnalmark.cruz@current.com

LEAN ID: CUID: Dispute ID: Dispute type: Amount: Reason: (write off approval, denial approval, etc) Denial Reason: Make sure that we provide all findings prior to request.

MOTO 7 ENTRY MODE 01

Name of third party access is "FRIEND".

Lean Case ID: 30165637. Dispute ID: 055f669d-c657-4bc7-b9ee-983a4a4de06d. CH claimed (1) Unauthorized Transaction from SAKS 212-320-4700 NYUS for $86.40 settled on Feb 09, 2023. ICC date: Feb 12, 2023. Reg E claim. Old Account. Name of third party access is "FRIEND". No claim cancellation and No merchant credit received. Card ending in 9318 is already deactivated. Card Status: Lost. PIN Status: Written-Down. Card Absent transaction. INVESTIGATION Initiated Four Walls of Investigation. However, no strong denial. Validated through MCO. Agent Lisa was able to confirm that the transaction was valid in their system. Was able to ask the name, email address, Physical Address & Phone Number of the customer. All information matches. Therefore, NO ERROR FOUND. FR done #5237932142. Submitted a request to the current team to send Final letter reporting. Case closed.

5237932142

Phone Number Email Address Shamon Brown August 3, 1999 11:10 AM 86.40

Visa Card ending 9318 86.40

Lean Case ID: 30165646. Dispute ID: 560c0ea9-a3eb-44b8-b019-1a7e27371af5. CH claimed (1) Merchandise not as described from DOORDASH*CHURCHS TEXAS WWW.DOORDASH.CAUS for $37.97 settled on Feb 11, 2023. Non Reg E claim. Old Account. No Claim Cancellation and No Merchant Credit Received. INVESTIGATION* MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Pend for 15 days before proceeding to CB, with VROL# 5237932418. Case ongoing.

5237932418 ROL Case Number 5237932418

Moto 7 Entry 10

Moto Blank Entry 05 46

Lean Case ID: 30165747. Dispute ID: 27de1a9b-8d6c-4176-850b-279aa17b0869. CH claimed (1) Unauthorized Transaction from WM SUPERCENTER #3293 CHARDON OHUS for $65.27 settled on Jan 24, 2023. ICC date: Feb 12, 2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 8851 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Present EMV transaction. INVESTIGATION Disputed transactions happened within the vicinity of the CH's address. Found valid undisputed EMV transaction that happened within the vicinity of the disputed transaction. Transactions are within the spending range of the CH. No other suspicious declined transactions from the same merchant. Therefore, NO ERROR FOUND. FR done #5238017200. Submitted a request to the current team to send Final letter reporting. Case closed.

5238017200 30164529

30164532

Dispute ID: 72cf1efc-26cd-4dc5-94b5-94b6805ebf99. Lean Case no.: 30164529. ICC is on: 02/09/2023. Cardholder is disputing (1) Unauthorized Transaction against HOLLYWOOD RACES HAMDEN CTUS amounting to $62.10. Reg E claim. Card status: lost. PIN status: written-down. Card not present transaction(s). Card status in MORTY: REPLACED. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. OLD Account. MOTO/ECI: 7, Entry mode: 06. Investigation Shows, after escalating the claim to the current team, this claim should be denied. File FR on 02/14/2023 with ROL Case #5236581143. Case closed.

Lean Case ID: 30164532. Dispute ID:de283f8a-e828-42c8-8251-a22997b1600a. CH claimed (1) Unauthorized Transaction against HOLLYWOOD RACES HAMDEN CTUS amounting to $355.01 settled on Jan 01, 2023. ICC date: Feb 10, 2023. Reg E claim. Old Account. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 7215 is already deactivated. Card lost. PIN Status: Written-down. Disputed transaction is PTF and not eligible for PVC. INVESTIGATION No funding activity. Morty suspended. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. However, upon exhausting the investigation I found out the CH was a Reg-E player and dispute abuser. total disputed transaction was 17. Investigation Shows, after escalating the claim to the current team, this claim should be denied. File FR on 02/14/2023 with ROL Case #5236663148. Case closed.

LEAN: 30165951

dupreetanisha@gmail.com MCO 9:26 AM

Same address Fedex: Delivered on the 4th Shipment Tracking #: 394204675486 Jonaiza Dupree $210

Jamir

Lean Case ID: 30165951. Dispute ID: b2f48cda-e772-455c-8e83-b811ba0a25d6. CH claimed (1) Service/Merchandise Not Received from ADIDAS US ONLINE STORE 800-9829337 ORUS amounting to $210 settled on 02-04-2023. ICC date 2023-02-13. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/17/2023 at 9:26:44 AM DST through phone number 800-9829337. Was able to speak with Agent Jamir. Asked him the name, address, phone number and the tracking number of the transaction. Asked Jamir if the shipment was received. All information matches and was told that they also received a claim from the CH that has been denied already. Shipment Tracking #: 394204675486. Courier: FedEx. Therefore, NO ERROR FOUND. Submitted a request to the current team to send Final letter reporting. Case closed.

LEAN: 30165984

Moto 2 Entry Mode 01

Lean Case ID: 30165984. Dispute ID: 131e0fdf-9ae2-4aed-8bb1-3ddded56cff1. CH claimed (1) Amount Discrepancy from Roku for CBS Interactiv816-2728107 DEUS amounting to $100.48 settled on 02-12-2023. ICC date 2023-02-13. Reg E. OLD Account. No claim cancellation as of today. Received full merchant credit on: 02-12-2023 amounting to $100.48 with transaction ID: zihsdrhaumrij-bDmgeCzkwlflm-ppumdheFhrgkm-wuhkFzyezuila. Therefore, Error found. Endorse to Current for sending of final letter. Case closed.

10:43 AM

5238540018

LEAN: 30166070

Moto Blank Entry Mode 90

Lean Case ID: 30166070. Dispute ID: 0cd06b06-43e8-4a5f-8838-ec2599dda4d4. CH claimed (1) Service/Merchandise Not as Described from SPOILEDCHILD INC. 551-751-7495 NYUS amounting to $45 settled on 01-10-2023. ICC date 2023-02-13. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/17/2023 at 10:43:22 AM DST through phone number 551-751-7495. Unable to speak with a live agent. Call was only routed to an IVR. Initiated Chargeback on 02/17/2023 with ROL Case number: 5238540018 with CB code 13.3. Merchant has 30 days to respond. Case in progress.

Moto Blank 90 Lean Case ID: 30166046. Dispute ID: 96c602a2-fc45-4adb-a291-e4eac8ba37c2. CH claimed (1) Amount Discrepancy from STRANGE BREW SHREVEPORT LAUS amounting to $39.26 settled on 02-12-2023. ICC date 2023-02-13. Reg E. OLD Account. No PVC issued. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/17/2023 at 11:18:26 AM DST through phone number 318-222-2337. Unable to speak with a live agent. Call routed to a Voice Mail. No CB file as the remaining claim amount is below CB threshold. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed. MCO Unsuccessful; Unable to validate transaction over the phone,

LEAN ID: 30165935

Lean Case ID: 30165935. Dispute ID: 8d1b5e56-b399-4981-a816-58b10e14d637. CH claimed (1) Cancellation from IM PRO MAKEUP NY amounting to $135.56 settled on 03-23-22. ICC date 2023-02-13. Reg E. OLD Account. PTF Claim. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, phone number is not available in any website. No CB rights due to PTF. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed.

Lean Case ID: 30160489. Dispute ID: b47e7bfe-e0f1-44f5-8510-5953b32c4953. CH claimed (1) Unauthorized Transaction for $26.65 settled on Jan 27, 2023 . ICC date: Feb 01, 2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 7936 is already deactivated. Card is in possession and PIN is memorized. Chargeback requested on 02/06/23 with ROL#5232421775. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated 02/06/2023 amounting to $26.65 is now final. Case Closed.

LEAN: 30166630

Lean Case ID: 30166630. Dispute ID: 639553b5-0ae4-48bb-9672-2370a3620bf7. CH claimed (1) Service/Merchandise Not Received from PAYPAL *MADEWMAGIK 402-935-7733 CAUS amounting to $40 settled on 01-11-2023. ICC date 2023-02-15. Non Reg E. OLD or Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Initiated Chargeback on 02-20-2023 with ROL Case number: 5239472777 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

5239472777

LEAN: 30166671

Moto Blank Entry Mode 05

Lean Case ID: 30166671. Dispute ID: b9b32eea-c678-49ec-ad73-10e6c622a49b. CH claimed (1) Charged More Than Once from 423 BOWLERO 8003425263 PHOENIX AZUS amounting to $68.41 settled on Jan 21, 2023. ICC date 2023-02-15. Reg E. OLD Account. Requested for PVC Issuance on 02/20/2023. No claim cancellation as of today. No merchant credit as of today.. INVESTIGATION Request for additional information form dated on Feb 20, 2023. Ask the CH "Do you show a double billing for this transaction on your end?" "What was purchased?" "How much was the customer supposed to be charged?" "Do you have any documentation showing the agreed upon billing amount?" Case ongoing.

kwgGmqCXqSZetAroBlOaGMmdHcYjxktH LEAN: 30166703 5239493070 Moto 7 Entry 01 - One time Cancellation

Lean Case ID: 30166703. Dispute ID: 082b8a7c-240b-4ed4-b58e-bcde18b6521f. CH claimed (1) Cancellation from ACCESS SECURE DEPOS 866-345-1884 MOUS amounting to $134.95 settled on Feb 07, 2023. ICC date 2023-02-15. Reg E. OLD Account. PVC Eligible. PVC issued on 02-20-2023 No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/20/2023 at 8:59:45 AM DST through phone number 866-345-1884. MCO unsuccessful, waited on the queue for 5 minutes. Initiated Chargeback on 02-20-2023 with ROL Case number: 5239493070 with CB code 13.7. Merchant has 30 days to respond. Case in progress.

Qdjsm4cnhnIK2SjEkVMEpWehA2TCppN8 LEAN: 30166727

Moto 2 Entry 10

Lean Case ID: 30166727. Dispute ID: f084ad1c-773f-4881-ba25-021db6f693c7. CH claimed (1) Unauthorized Transaction from ICM*InstantCheckmate.co800-2228985 CAUS amounting to $27.08 settled on Feb 15, 2023. ICC date 2023-02-15. Reg E. OLD Account. Requested for PVC Issuance on 02/20/2023. Card status: Deactivated. PIN status: Memorized. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Disputed amount is an Online Transaction. No funding event that has impact prior to the disputed transaction. No spending pattern found. High Balance after the Disputed Transaction. With other suspicious declined transactions within UT timeline. MCO unsuccessful: Unable to validate transaction over the phone, merchant is open 7:00 AM to 4:00AM PST. Initiated Chargeback on 02-20-2023 with ROL Case number: 5239495974 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

tmVAnDyUekXoFPhARyMwgHvaF0iwOsNb LEAN: 30166790

302358029663711 - ARN 4758-3300-0368-0722 4115-6802-1098-1026

Lean Case ID: 30166790. Dispute ID: b7264dd2-aef7-496f-947b-602f091f1ee6. CH claimed (1) Unauthorized Transaction from 2201 W GRAUWYLER IRVING TXUS amounting to $400 settled on Oct 05, 2022. ICC date 2023-02-15. Reg E. OLD Account. PTF Claim. Card status: lost. PIN status: memorized. Card present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Wallet amounting to $$379.17 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Card present transaction happened within Cardholder's vicinity. (4minutes/1.3mile(s) away). No other suspicious declined transactions from the same merchant. Therefore, NO ERROR FOUND. Unable to file FR, due to Morty having an error copying the PAN. Submitted a request to the current team to send Final letter reporting. Case closed.

LEAN: 30166836

Moto 7 Entry 01

Lean Case ID: 30166836. Dispute ID: b7300c56-eb22-48d0-851e-7d91d02a4704. CH claimed (1) Unauthorized Transaction from IIQ*IDENTITYIQ.COM 877-8754347 NVUS amounting to $35.90 settled on Feb 13, 2023. ICC date 2023-02-15. Reg E. OLD Account. Requested for PVC Issuance on 02/20/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Disputed amount is an Online Transaction. No funding event that has impact prior to the disputed transaction. No spending pattern found. No Prior History. With other suspicious declined transactions within UT timeline. MCO unsuccessful: Unable to validate transaction over the phone, merchant customer service department is unavailable. Initiated Chargeback on 02/20/2023 with ROL Case number: 5239533764 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

8:30 AM to 5:30 AM CT 5239533764

LEAN: 30166852 Moto Blank Entry Mode 07

Lean Case ID: 30166852. Dispute ID: 885b327f-9d54-4201-a79d-a7b59c07c37c. CH claimed (1) Unauthorized Transaction from TARGET 00020875 OAK LAWN ILUS amounting to $153.45 settled on Feb 10, 2023. ICC date 2023-02-15. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Initiated FR on 02/20/2023 with ROL Case number: 5239546090 with CB code 10.3. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed.

5239546090

LEAN: 30166880

Moto 7 Entry Mode 10

Lean Case ID: 30166880. Dispute ID: ad1acfe7-f432-4951-94f7-1b525905f336. CH claimed (1) Unauthorized Transaction from SUNOCO 0235548500 954-433-1169 FLUS amounting to $53.10 settled on Feb 15, 2023. ICC date 2023-02-15. Reg E. OLD Account. Requested for PVC Issuance on 02/20/2023. Card status: stolen. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. High Balance after the Disputed Transaction. MCO unsuccessful: Unable to validate transaction over the phone, no one has answered the call. Initiated Chargeback on 02/20/2023 with ROL Case number: 5239571320 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

5239571320 10.4

LEAN: 30166913

Lean Case ID: 30166913. Dispute ID: 4328a1dc-def8-4630-b395-cc97e3f36de8. CH claimed (1) Service/Merchandise Not Received from REMITLY* N2FB WWW.REMITLY.CWAUS amounting to $ $61.99 settled on Feb 09, 2023. ICC date 2023-02-15. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/20/2023 at 1:40:38 PM DST through phone number 888-736-4859. Unable to validate the transaction over the phone. Was told that it should be the CH who needs to dispute the transaction with them. Initiated Chargeback on 02/20/2023 with ROL Case number: 5239583704 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

5239583704

LEAN: 30166971 Moto 7 Entry Mode 01

Lean Case ID: 30166971. Dispute ID: 84719750-16f9-42fa-bf32-a1a7465bfb7f. CH claimed (1) Service/Merchandise Not Received from HOMECLICK HTTPSKANUSTU.INUS amounting to $$147.81 settled on Jan 24, 2023. ICC date 2023-02-15. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/20/2023 at 2:07:52 PM DST through phone number (866) 603-5014. Unable to validate the transaction over the phone. Call was only routed to an IVR. Initiated Chargeback on 02/20/2023 with ROL Case number: 5239595020 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

5239595020 13.1

Lean Case ID: 30160473. Dispute ID: 122c684f-2259-4eaf-aaf2-7317591c3eb2. CH claimed (1) unauthorized transaction from FuboTV Inc 844-4413826 NYUS for $104.98 settled on Jan 31, 2023. ICC date: Feb 06, 2023. Reg E claim. Old Account. Requested for PVC Issuance on Feb 06, 2023. No claim cancellation and No merchant credit received. Card ending in 3343 is already deactivated. Lost Card and PIN Memorized. Card Absent Transaction. Chargeback requested on 2/6/2023 with ROL# 5232355539. Chargeback won Timeframe expired: If the merchant failed to provide response within 30 Calendar days from the Chargeback initiated date. Error found. Provisional credit issued dated Feb 06, 2023 amounting to $104.98 is now final. Case Closed.

Lean Case ID: 30161346. Dispute ID: 378af2dc-9002-4058-9f7e-ab25095b83d2. CH claimed (1) Unauthorized Transaction from DD DOORDASH CHICK-FIL 855-973-1040 CAUS for $49.81 settled on Feb 02, 2023. ICC date: Feb 02, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/09/2023. No claim cancellation and No merchant credit received. Card ending in 7985 is already deactivated. Card Stolen. PIN Memorized. Card Present. Representment received on 02/19/2023 with VROL 5234361063. Information matched on the representment. Therefore, No Error Found. PVC scheduled for reversal on 02/20/2023. Case Closed.

Lean Case ID: 30163846. Dispute ID: 719652b2-e8cb-4d83-96de-edc4dc6499c1. CH claimed (1) Unauthorized Transaction from APPLE CASH 1INFINITELOOPCAUS for $1000.00 settled on Jan 29, 2023. ICC date: Feb 08, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/13/2023. No claim cancellation and No merchant credit received. Card ending in 5402 is already deactivated. Card Stolen. PIN Written-down. Card Not Present. Representment received on 02/19/2023 with VROL 5236046685. Information matched (Name & Phone Number) on the representment. Therefore, No Error Found. PVC scheduled for reversal on 02/20/2023. Case Closed.

Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

30164460

LEAN: 30167277

Moto Blank Entry 05

Lean Case ID: 30167277. Dispute ID: e4cf966c-3d9a-471c-996a-0a85e8dad51d. CH claimed (1) Unauthorized Transaction from TST* THE MELTING POT - KANSAS CITY MOUS amounting to $223.76 settled on Feb 15, 2023. ICC date 2023-02-16. Reg E. OLD Account. PVC Eligible. Card status: stolen. PIN status: memorized. Card present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Wallet amounting to $300 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No third-party access granted. Card present transaction happened within Cardholder's vicinity. (28minutes/15.7mile(s) away). Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. All transactions are within Cardholder’s typical spending activity. Therefore, NO ERROR FOUND. FR done #5239865617. Submitted a request to the current team to send Final letter reporting. Case closed.

5239865617

LEAN: 30167340 Moto 7 Entry Mode 01

Lean Case ID: 30167340. Dispute ID: 763ce571-e1e3-4251-9f64-db9d4ad195ef. CH claimed (1) Service/Merchandise Not Received from UBER TRIP HELP.UBER.COMCAUS amounting to $84.33 settled on Feb 14, 2023. ICC date 2023-02-16. Non Reg E. OLD or NEW Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Initiated Chargeback on 02/21/2023 with ROL Case number: 5239865916 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

LEAN: 30167406

Moto 7 Entry Mode 06

Lean Case ID: 30167406. Dispute ID: 84abca3d-8fb5-48b2-919f-4bd53047c69f. CH claimed (1) Unauthorized Transaction from PRICELN*HOTEL FELIX CH 203-299-8000 CTUS amounting to $174.96 settled on Jan 13, 2023. ICC date 2023-02-16. Reg E. OLD Account. PVC Eligible. Card status: lost. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Wallet amounting to $215 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. FR done #5239877978. Submitted a request to the current team to send Final letter reporting. Case closed.

5239877978

LEAN: 30167441

Lean Case ID: 30167441. Dispute ID: b7382dcd-99a9-4684-96aa-2ea56e4ee561. CH claimed (1) Service/Merchandise Not Received from SHEIN 201-299-2012 DEUS amounting to $153.84 settled on Jan 11, 2023. ICC date 2023-02-16. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/21/2023 at 9:21:41 AM DST through phone number 201-299-2012. Was able to connect but the agent dropped the call. Pend in the meantime, CH reported as dispute abuser. Escalated the case to Current for the final outcome. Case ongoing.

Moto 7 Entry 06

LEAN: 30167490

Lean Case ID: 30167490. Dispute ID: 05cc627e-8f04-4e91-a348-159f924d64d8. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH WENDYS 855-973-1040 CAUS amounting to $31.69 settled on Feb 15, 2023. ICC date 2023-02-16. Non Reg E. OLD or NEW Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Initiated Chargeback on 02/21/2023 with ROL Case number: 5239902402 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

VROL: 5239902402 13.1

Moto 7 Entry Mode 10

LEAN: 30167513

(888) 540-1867

Moto 2 Entry Mode 10

Lean Case ID: 30167513. Dispute ID: 927bbfb2-39f2-4763-92ad-97c33bb12e23. CH claimed (1) Unauthorized Transaction from SEZZLE* SEZZLE TARG 8R HTTPSSEZZLE.CMNUS amounting to $113.31 settled on Feb 03, 2023. ICC date 2023-02-16. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. High Balance after the Disputed Transaction. MCO unsuccessful: Unable to validate transaction over the phone, waited on the queue for 5 minutes. No enough evidence to deny the claim. Initiated Chargeback on 02-21-2023 with ROL Case number: 5239934280 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Moto 7 Entry Mode 10 LEAN: 30167532

Lean Case ID: 30167532. Dispute ID: a5b7022f-e087-4f9c-be59-d7eefcda37a1. CH claimed (1) Unauthorized Transaction from CASH APP*ANTHONY TH 8774174551 CAUS amounting to $707 settled on Feb 15, 2023. ICC date 2023-02-16. Reg E. OLD Account. PVC Issued on: 2/21/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. MCO unsuccessful: Unable to validate transaction over the phone, only connected to an IVR. No enough evidence was found to deny the claim. Has chargeback rights. Initiated Chargeback on 02-21-2023 with ROL Case number: 5239950652 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

5239950652

LEAN: 30167560

Lean Case ID: 30167560. Dispute ID: b2ede68d-d551-4e7f-9c78-a871900f6764. CH claimed (1) Cancellation from D&E MEDIA EAST ORANGE NJUS amounting to $49.36 settled on Feb 16, 2023. ICC date 2023-02-16. Reg E. OLD Account. PVC issued on 02/21/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Request for additional Information Form dated Feb 21, 2023. Ask the CH "When did the customer cancel the subscription?" Case ongoing.

Moto Blank Entry Mode 05 LEAN: 30167591

Lean Case ID: 30167591. Dispute ID: 8e91d17c-985d-4385-90d7-2ddf6fde571f. CH claimed (1) Unauthorized Transaction from IN N OUT BURGER 171 SANTA CLARITACAUS amounting to $25.95 settled on Feb 14, 2023. ICC date 2023-02-17. Reg E. OLD account. PVC Eligible. Card status: stolen. PIN status: written-down. Card present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, merchant is in the DNC list. Will be pending the case in the meantime. CH reported as a dispute abuser. Escalated the case to current for the final outcome. Case ongoing.

LEAN: 30167613

8882743159 9034178999 Moto 2 Entry 10

Lean Case ID: 30167613. Dispute ID: 79b8fbd8-3f41-4dbc-9c35-fe985ef51131. CH claimed (1) Unauthorized Transaction from ZIP.CO* FASHION NOVA HTTPSWWW.ZIP.NYUS amounting to $34.25 settled on Feb 16, 2023. ICC date 2023-02-17. Reg E. OLD Account. PVC Issued on 02/21/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Initiated MCO on 2/21/2023 1:39 PM DST. Provided the phone number of the CH and was put on hold for 2 minutes. Was told that they can't disclose any information of the customer for security purposes. No enough evidence to deny the claim. Has chargeback rights. Initiated Chargeback on 02/21/2023 with ROL Case number: 5240027988 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

5240027988 10.4

Lean Case ID: 30160750. Dispute ID: 28ef73be-81a4-43e2-9e5f-e1b9f9fe33eb. CH claimed (1) Unauthorized Transaction from LYFT RIDE MON 6PM 855-865-9553 CAUS for $26.99 settled on Feb 01, 2023. ICC date Feb 01, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/07/2023. No claim cancellation and No merchant credit received (If applicable). Card ending in 8860 is already deactivated. Card Deactivated and PIN is Written-down. Card Absent transaction. Representment received on 02/21/2023 with VROL # 5233104812. All information didn't match from the documents submitted from the merchant. Pre-arb initiated on 02/21/2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID: 30162274. Dispute ID: 07808f92-465b-40c5-9817-fa416b6a6ddc. CH claimed (1) Service/Merchandise Not Received from UBER EATS HELP.UBER.COMCAUS for $80.12settled on Feb 05, 2023. ICC date: Feb 05, 2023 . Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 02/21/2023 with VROL 5234856250. The phone number and address matches. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

LEAN: 30168068

Moto 2 Entry 10

Lean Case ID: 30168068. Dispute ID: c96d9264-6643-46d1-b34c-75187166b5c8. CH claimed (1) Unauthorized Transaction from BLUDLPHN.com*People 877-2029589 CTUS amounting to $75.97 settled on Feb 18, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC issued on 02/22/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: Card ending in 2049 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Initiated MCO on 02/22/2023 9;36 DST AM. Unable to verify information since the call was only directed through IVR. Initiated Chargeback on 02/22/2023 with ROL Case number: 5240481827 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

LEAN: 30168116

Moto Blank Entry Mode 07 Lean Case ID: 30168116. Dispute ID: c5157890-6263-4d66-a2c5-9e04ea6d16e9. CH claimed (1) Service/Merchandise Not Received from CHEVRON 0372936 TUPELO MSUS amounting to $27.09 settled on Feb 03, 2023. ICC date 2023-02-18. Non Reg E. OLD or Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, merchant is in the DNC list. Initiated Chargeback on 02/22/2023 with ROL Case number: 5240423386 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

VROL: 5240423386

LEAN: 30168155

Moto Blank Entry Mode 07

Lean Case ID: 30168155. Dispute ID: 3487d1b8-058a-461f-a173-e3771537326b. CH claimed (1) Unauthorized Transaction from AUTOZONE 5800 2223 SINDALLAS TXUS amounting to $251.94 settled on Feb 16, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card present transaction(s). Card status in MORTY: Card ending in 2861 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Wallet amounting to $252 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. FR done #5240437985. Submitted a request to the current team to send Final letter reporting. Case closed.

VROL: 5240437985

LEAN: 30168184 4897-2497-8387-9118

Lean Case ID: 30168184. Dispute ID: 67672c54-ef5b-4cef-b22a-936524e86b8b. CH claimed (1) Amount Discrepancy from CRAZY PINZ FORT WAYNE INUS amounting to $50 settled on Feb 14, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC Issuance on 02/22/2023. No claim cancellation as of today. No merchant credit as of today. As per DF, CH said that the transaction was unauthorized. Recategorize the dispute type to UT. INVESTIGATION Request for additional information form dated 02/22/2023. Ask the CH the amount supposed to be charge?, Are you in possession of your Current card? Was the card in possession, lost or stolen? Where do you keep your PIN? Written-down or memorized? Case in progress.

Ahmed Alkhazali

Amount supposed to be charge

LEAN: 30168217

Lean Case ID: 30168217. Dispute ID: 7b88b323-cfbf-43e8-9639-ab6eb534f6fe. CH claimed (1) ATM Cash Partial/Not Dispensed from 590 NE 167 ST MIAMI FLUS amounting to $300 settled on Feb 18, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). CH reported as a dispute abuser with the same dispute type. Escalating the case to current for final decision. Case ongoing.

LEAN: 30168242

VROL: 5240542613

Lean Case ID: 30168242. Dispute ID: 6d912e13-432f-469a-a7b1-805fb421ad91. CH claimed (1) Service/Merchandise Not Received from RH *presentir.online Internet GB amounting to $29.97 settled on Feb 12, 2023. ICC date 2023-02-18. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, merchant is in the DNC list. Initiated Chargeback on 02/22/2023 with ROL Case number: 5240542613 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

Moto Blank Entry 07

LEAN: 30168269

Lean Case ID: 30168269. Dispute ID: 6a6f721f-2409-4a88-8708-413d9b735f18. CH claimed (1) Amount Discrepancy from SIMS GRASS INC. BEDFORD TXUS amounting to $37.89 settled on Feb 10, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC issued on 2/22/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Request for additional information form dated 02/22/2023. Ask the CH "What was the amount the customer expected to be charged?" Case in progress.

What was the amount the customer expected to be charged?

LEAN: 30168284

Lean Case ID: 30168284. Dispute ID: c453b130-9a59-41d1-84be-c3fb72861dfd. CH claimed (1) Service/Merchandise Not as Described from LITTLE CAESARS 1342-000216-249-9000 OHUS amounting to $32.52 settled on Feb 17, 2023. ICC date 2023-02-18. Non Reg E. OLD or NEW Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, was able to reach out an agent but immediately transferred to another queue. Waited for 5 mns then left the call. MCO time at 1:03 PM DST. Pend for 15 days before proceeding to CB, with VROL# 5240607331. Case ongoing.

LEAN: 30168321

1:25 PM DST

2148 4115-6802-5678-2148

Tanya Snell Phone number: April 27, 1969

Lean Case ID: 30168321. Dispute ID: 338dd3cb-bcef-4248-a4e0-40fa2921b7a9. CH claimed (1) Unauthorized Transaction from EXPRESS SEWING SOLUTIO 833-2898846 AZUS amounting to $59.96 settled on Feb 16, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC Issued on 2/22/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: Card ending in 2148 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Merchant callout initiated on 2/22/2023 at 1:25PM DST through phone number 833-2898846. Asked if the name, phone number, address and email matches. Only information that matched would be the name & email address. Initiated Chargeback on 02/22/2023 with ROL Case number: 5240637533 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30161216. Dispute ID: 177cdb43-2a5d-4adb-8886-1406624ec406. CH claimed (1) duplicate charge from PAYPAL *RAMZOIDMUSI 4029357733 PECA for $40.00 settled on Jan 14, 2023. ICC date: 02/02/2023. Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 02/22/2023 with VROL 5234203213. The cardholder's account has been researched and it does not show an identical charge on/near date of the disputed transaction. Therefore, No Error Found. PVC scheduled for reversal on 02/22/2023. Case Closed. ***Note: Use 350 Close-Denied as the close code in LEAN

Lean Case ID: 30167591. Dispute ID: 8e91d17c-985d-4385-90d7-2ddf6fde571f. CH claimed (1) Unauthorized Transaction from IN N OUT BURGER 171 SANTA CLARITACAUS amounting to $25.95 settled on Feb 14, 2023. ICC date 2023-02-17. Reg E. OLD account. PVC Eligible. Card status: stolen. PIN status: written-down. Card present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Already escalated the claim to current. As per Current, they have closed the user for dispute abuse. Therefore, NO ERROR FOUND. FR done #5240669289. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30168217. Dispute ID: 7b88b323-cfbf-43e8-9639-ab6eb534f6fe. CH claimed (1) ATM Cash Partial/Not Dispensed from 590 NE 167 ST MIAMI FLUS amounting to $300 settled on Feb 18, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION claim has been escalated to Current for final decision. Advised to deny the claim. Therefore, NO ERROR FOUND. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto 7 Entry Mode 01

Lean Case ID: 30168843. Dispute ID: d0cd0136-400d-4131-8834-6faed2d49342. CH claimed (1) Unauthorized Transaction from APPLE CASH 1INFINITELOOPCAUS amounting to $121.44 settled on Jan 27, 2023. ICC date 2023-02-20. Reg E. OLD Account. PVC Eligible. Card status: lost. PIN status: written-down. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Pay amounting to $121.95 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. Therefore, NO ERROR FOUND. FR done #5241061354. Submitted a request to the current team to send Final letter reporting. Case closed.

VROL: 5241061354

Moto 7 Entry Mode 10

VROL: 5241070615

Lean Case ID: 30168872. Dispute ID: 3ae69c9e-e2bd-422e-99a4-ee3a214a3e62. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH BAILEYSBA 855-973-1040 CAUS amounting to $31.68 settled on Feb 17, 2023. ICC date 2023-02-20. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant is part of the approved DNC list, unable to initiate MCO. Initiated Chargeback on 02/23/2023 with ROL Case number: 5241070615 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

xzorion jackson LEAN: 30168889

4921-2519-9092-8738 - Token Number Moto Blank Entry 07

Lean Case ID: 30168889. Dispute ID: 6c1a4cc9-c15d-4546-a68e-02dad754270a. CH claimed (1) Unauthorized Transaction from TST* Shoneys - Sumter Sumter SCUS amounting to $31.87 settled on Feb 17, 2023. ICC date 2023-02-20. Reg E. OLD Account. PVC Eligible. Card status: stolen. PIN status: memorized. Card not present transaction (Tokenize). Card status in MORTY: Card ending in 8122 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. Merchant callout initiated on 2/23/2023 at 8:52 AM DST. Call was dropped and unable to connect. Has NO CB rights. FR done with VROL #5241094167 . Will escalate the case to Current for Write Off Approval. Case Ongoing.

5241094167

Moto 7 Entry Mode 10

Lean Case ID: 30168912. Dispute ID: 8cd8e01b-7ba7-43e2-b08d-2928f78ac9ae. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH WENDYS 855-973-1040 CAUS amounting to $38.80 settled on Feb 18, 2023. ICC date 2023-02-20. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant is part of the approved DNC list, unable to initiate MCO. Initiated Chargeback on 02/23/2023 with ROL Case number: 5241108693 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

VROL: 5241108693

Kelli Mart

Lean Case ID: 30168931. Dispute ID: da6cf17a-2f81-4013-867a-3d3575f3811d. CH claimed (1) Service/Merchandise Not as Described from CRYSTAL SUITES HOUSTON TXUS amounting to $26 settled on Feb 17, 2023. ICC date 2023-02-20. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/23/2023 at 9:49:46 AM DST through phone number +1 713-433-7373. The agent said that they don't have the information of the CH on file. Initiated Chargeback on 02/23/2023 with ROL Case number: 5241120645 with CB code 13.3. Merchant has 30 days to respond. Case in progress.

LEAN: 30168994

Recurring 2 Entry Mode 10

VROL: 5241143941

Lean Case ID: 30168994. Dispute ID: 6146ea1f-9c47-4d3b-bb33-c3972f522dda. CH claimed (1) Cancellation from TU *TRANSUNION 800-493-3292 CAUS amounting to $29.95 settled on Feb 18, 2023. ICC date 2023-02-20. Reg E. OLD Account. PVC Issued on 2/23/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/23/2023 at 10:30:41 AM DST through phone number 800-493-3292. Unable to validate the transaction, was only connected to an IVR. Initiated Chargeback on 02/23/2023 with ROL Case number: 5241143941 with CB code 13.2. Merchant has 30 days to respond. Case in progress.

LEAN: 30169015

(470) 363 2501

Lean Case ID: 30169015. Dispute ID: 2e5346ea-18d9-4d80-9eb5-e7024a9cd8c9. CH claimed (1) Service/Merchandise Not Received from HOTEL BOOKING GSPLTY HTTPSWWW.GOSPCTUS amounting to $346.99 settled on Feb 17, 2023. ICC date . Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/23/2023 at 11:19:37 AM DST through phone number (470) 363 2501. Was able to reach out to an agent. Provided the information of the CH but the agent ended the call. Initiated Chargeback on 02/23/2023 with ROL Case number: 5241170451 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

5238540018 Lean Case ID: 30166070. Dispute ID: 0cd06b06-43e8-4a5f-8838-ec2599dda4d4. CH claimed (1) Service/Merchandise Not as Described from SPOILEDCHILD INC. 551-751-7495 NYUS amounting to $45 settled on 01-10-2023. ICC date 2023-02-13. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/17/2023 at 10:43:22 AM DST through phone number 551-751-7495. Unable to speak with a live agent. Call was only routed to an IVR. Initiated Chargeback on 02/17/2023 with ROL Case number: 5238540018 with CB code 13.3. Merchant has 30 days to respond. Case in progress. Chargeback requested on 02/22/2023 with ROL# 5238540018. Chargeback won Timeframe expired: If the merchant failed to provide response within 30 Calendar days from the Chargeback initiated date. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30168242. Dispute ID: 6d912e13-432f-469a-a7b1-805fb421ad91. CH claimed (1) Service/Merchandise Not Received from RH *presentir.online Internet GB amounting to $29.97 settled on Feb 12, 2023. ICC date 2023-02-18. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Chargeback requested on 02/22/2023 with ROL# 5240542613. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

LEAN: 30168818 LEAN: 30168819

Lean Case ID: 30168818. Dispute ID: d5fdb644-24a5-4915-b37d-775865786f5f. CH claimed (2) Service/Merchandise Not Received from INTUIT *TURBOTAX amounting to $247.15 settled on Sep 04, 2022. ICC date 2023-02-20. Non Reg E. OLD Account. PTF Claim. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/23/2023 at 1:06:41 PM DST through phone number 800-446-8848. Unable to reach out to a live agent, call was routed to an IVR. Claim is PTF no other recovery option. CH can contact the merchant directly for resolution. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

LEAN: 30169046

Moto Blank Entry 05

Lean Case ID: 30169046. Dispute ID: 9e73aea8-f7e6-4257-9e81-096e6a41681e. CH claimed (5) Unauthorized Transaction from 18090 COLLINS AV SNY ISLES BCHFLUS amounting to $455 settled on 02/20/2023. ICC date 2023-02-20. Reg E. OLD Account. Card status: in possession. PIN status: memorized. Card present transaction(s). Card status in MORTY: card ending in 2023 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: 6011 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5, 7 and 95) and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

LEAN: 30169096 Moto 2 Entry Mode 10

Lean Case ID: 30169096. Dispute ID: 072af1ee-87cc-4f79-ab4a-e0f6ffeef9d7. CH claimed (2) Unauthorized Transaction from multiple merchants amounting to $115.67 settled on Feb 09, 2023 . ICC date 2023-02-20. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/23/2023 at 1:49:54 PM DST through phone number 877-757-1550 1:49 PM DST. Damian answered the call. Asked for a validation in regards with the information of the customer such as the name, email address & the last 4 digits of the card that was used. Provided the DOB & the Phone Number of the CH, Damian said that they don't ask or save info for those two. No ATO hallmarks. No suspicious declined transactions. Therefore, No Error Found. FR done # 5241281739. Endorsed to Current for Sending of final letter. Case Closed.

Ricard Suggs last Jul 20, 1982

Damian

LEAN: 30169584

Moto 7 Entry Mode 10 VROL: 5241686335

Lean Case ID: 30169584. Dispute ID: 66aefd56-80f7-429b-8ab7-42ada830185d. CH claimed (1) Unauthorized Transaction from YSI*3300 Tamarac Apartm720-5356017 COUS amounting to $380 settled on Feb 20, 2023. ICC date 2023-02-22. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: card ending in 3698 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Wallet amounting to $400 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. It appears that the cardholder still had possession of the card during the disputed timeline. Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. FR done #5241686335. Submitted a request to the current team to send Final letter reporting. Case closed.

LEAN: 30169595

Lean Case ID: 30169595. Dispute ID: 9a89472b-67c0-4a16-8003-f3874a9f40b5. CH claimed (1) ATM Cash Partial/Not Dispensed from 889 WGRAND AVE OAKLAND CAUS amounting to $400 settled on Feb 07, 2023. ICC date 2023-02-22. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). CH reported as a dispute abuser with the same dispute type. Will escalate the claim to Current for final decision. Case ongoing.

LEAN: 30169606

Moto Blank Entry Mode 05

VROL: 5241717830

Lean Case ID: 30169606. Dispute ID: 7ddf7230-bb9f-4ad0-bcd7-5a0bf0fdaf7f. CH claimed (1) ATM Cash Partial/Not Dispensed from 3090 N DYER BLVD KISSIMMEE FLUS amounting to $403.50 settled on Feb 22, 2023. ICC date 2023-02-22. Reg E. NEW Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Initiated Chargeback on 02/24/2023 with ROL Case number: 5241717830 with Dispute Reason 0017. Case in progress.

LEAN: 30169638 AynwnwgABtAFb-kqCiAlrzzFmye-tdDnbwaqoabxc-oCqlbuzkjEqrf VROL: 5241732662

Moto 7 Entry Mode 01

Lean Case ID: 30169638. Dispute ID: b1ad172a-3002-4358-a60f-7298e67f89db. CH claimed (1) Service/Merchandise Not Received from G* GOAT609#53531 HTTPSWWW.GOATCAUS amounting to $113.96 settled on Feb 17, 2023. ICC date 2023-02-22. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the merchant doesn't have available phone number online. Initiated Chargeback on 02/24/2023 with ROL Case number: 5241732662 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

LEAN: 30169655

Same Shipping Address Same Name Today 10:27 AM DST

Lean Case ID: 30169655. Dispute ID: 6af7235a-aade-48be-a1be-f1757801168c. CH claimed (1) Service/Merchandise Not Received from EUPHORIC SENSATIONS 678-7072306 GAUS amounting to $54.22 settled on Feb 20, 2023. ICC date 2023-02-22. Non Reg E. OLD or NEW Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/24/2023 at 10:33:17 AM DST through phone number 678-7072306. Asked the merchant if the shipping address was correct. Was able to verify the same address. Same full name of the CH as well. Merchant hasn't been able to deliver the goods. Merchant said that she'll be sending the package today and she will also provide the tracking number to the CH once it has been sent out already. Will pend the case in the meantime. Will do MCO on Monday to verify if the merchant has been able to deliver the goods to the CH. Case ongoing.

LEAN: 30169672

VROL: 5241769412

Lean Case ID: 30169672. Dispute ID: c15f35bc-3101-4076-ad93-dcf79ff20236. CH claimed (1) Service/Merchandise Not Received from MYZMOKIE.COM MYZMOKIE.COM CAUS amounting to $33.24 settled on Jan 25, 2023. ICC date 2023-02-22. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the merchant doesn't have available phone number online. Initiated Chargeback on 02/24/2023 with ROL Case number: 5241769412 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

LEAN: 30169742

Lean Case ID: 30169742. Dispute ID: 5b526082-e6e9-46c0-8a48-e22d0a7c66ef. CH claimed (1) Recategorize from Amount Discrepancy to Unauthorized Transaction (Verbatim) from DD DOORDASH MCDONALDS 855-973-1040 CAUS amounting to $33.48 settled on Feb 19, 2023. ICC date 2023-02-24\2. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Request for additional information form dated 02/24/2023. Ask CH the following questions: What is the reason for your dispute?, Are you in possession of your Current card?, What best describes what happened with your card: you lost your card, your card was stolen, or you didn't make the purchase but still have the card?, Have you ever done business with the merchant(s) in the dispute?, Do you always have possession of your card?, Have you ever authorized anyone to use your card? If so, who?, Have you ever shared your PIN with anyone? If so, who?, Where do you keep your PIN? Written-down or memorized?. Case in progress.

LEAN: 30169854

Lean Case ID: 30169854. Dispute ID: 7b70897a-6f79-408e-ae15-980673f38666. CH claimed (1) Service/Merchandise Not as Described from MERCARI888-325-2168 MERCARI.COM CAUS amounting to $32.89 settled on Jan 08, 2023. ICC date 2023-02-22. Non Reg E. OLD Account. No claim cancellation as of today. Received full merchant credit on: Jan 08, 2023 amounting to $32.89 with transaction ID: jFbnebBprpDDl-akjzdkmaDbFde-ffCdunzCdsCfc-xuAzsnbufvcrn. Error found. Endorsed to Current for Final Resolution letter. Manually updated merchant credit amount and date in Reg tab. OLD Account. Case closed.

LEAN: 30169875

VROL: 5241877863

LEAN: 30169623 Moto 7 Entry Mode 10

VROL: 5241897986 VROL:

Lean Case ID: 30169623. Dispute ID: ebb36784-a679-408f-8bf8-a4ac8ca1ccfb. CH claimed (2) Unauthorized Transaction from multiple merchants amounting to $50.49 settled on Jan 13, 2023. ICC date 2023-02-22. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: card ending in 2415 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Account was funded via Wallet amounting to $10.04 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Records show that the card was funded via CASH LOAD on through . Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. FR done #5241897986. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30166880. Dispute ID: ad1acfe7-f432-4951-94f7-1b525905f336. CH claimed (1) Unauthorized Transaction from SUNOCO 0235548500 954-433-1169 FLUS amounting to $53.10 settled on Feb 15, 2023. ICC date 2023-02-15. Reg E. OLD Account. Requested for PVC Issuance on 02/20/2023. Card status: stolen. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Chargeback requested on 02/23/2023 with ROL#5239571320. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated 02/24/2023 amounting to $53.10 is now final. Case Closed.

5241717830

5236105057 - 30160264 5231357233

Lean Case ID: 30160264. Dispute ID: 02e03e32-666e-4759-99fc-91e2ce449c4d. CH claimed (1) Service/Merchandise Not Received from WM SUPERC Wal-Mart Sup DAPHNE/LAKE FALUS amounting to $546.41 settled on Jan 30, 2023. ICC date 2023-01-31. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Chargeback requested on 02/13/2023 with ROL#5236105057. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

LEAN: 30170612 VROL: 5242776076

Lean Case ID: 30170612. Dispute ID: ee89fa75-6c76-45ab-b2de-187fc4c1527b. CH claimed (1) Unauthorized Transaction from 3222-48 RICHMOND PHILADELPHIA PAUS amounting to $140 settled on Feb 09, 2023. ICC date 2023-02-24. Reg E. OLD or NEW Account. PVC Eligible. Card status: lost. PIN status: written-down. Card present transaction(s). Card status in MORTY: Card ending in 3602 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. No Prior History. MCO unsuccessful: Unable to do MCO since the claim of the CH is an ATM Withdrawal. No enough evidence to deny the claim. Unable to process chargeback since it has no chargeback rights. FR submitted with VROL#: 5242776076. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

LEAN: 30170626 Moto 7 Entry Mode 10 VROL: 5242797678

Lean Case ID: 30170626. Dispute ID: f9ae595d-d3b9-452b-a63d-88d790db1771. CH claimed (1) Cancellation from Brigit New York NYUS amounting to $53.99 settled on Feb 24, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC issued on 02/27/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, call was routed to an IVR. Initiated Chargeback on 02/27/2023 with ROL Case number: 5242797678 with CB code 13.7. Merchant has 30 days to respond. Case in progress.

03/29/23

LEAN: 30170646

MOTO Blank Entry Mode 05

Lean Case ID: 30170646. Dispute ID: 4ba14bc3-4562-45a3-9f0b-01ffd516be32. CH claimed (1) ATM Cash Partial/Not Dispensed from WM SUPERC Wal-Mart Sup YOUNGSTOWN OHUS amounting to $868.74 settled on Feb 23, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details.

LEAN: 30170690 Moto Blank Entry Mode 05 VROL: 5242817711 Code: 04

Lean Case ID: 30170690. Dispute ID: dfe89780-f0c6-432a-a052-3e950d1f50d8. CH claimed (1) ATM Cash Partial/Not Dispensed from 6001 IRONBRIDGE RD RICHMOND VAUS amounting to $230 settled on Jan 18, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Issued on . No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 02/27/2023 with ROL Case number: 5242817711 with Dispute Reason: 04. Merchant has 30 days to respond. Case in progress.

LEAN: 30170595 Moto Blank Entry Mode 05

Lean Case ID: 30170595. Dispute ID: d1127da1-6dca-4a20-b4d4-2465d1c28da2. CH claimed (6) Unauthorized Transaction from multiple merchants amounting to $197.33 settled on Feb 18, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. Card status: stolen. PIN status: memorized. Card present transaction(s). Card status in MORTY: Card ending in 8679 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has an impact prior to the disputed transaction. High Balance after the Disputed Transaction. No spending pattern found. No Prior History. There was ATO hallmarks/PII changes within the UT timeline. No enough evidence was found to deny the claim. No chargeback rights for transaction: EfmbxByoAFxwm-dmwhhkkkfDkre-vpDiqziynhrsa-EwhaapDrsmpmn. Unable to do MCO, all numbers called weren't answering the call. FR submitted with VROL# 5242862095, 5242862401. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

80 - NO CB RIGHTS VROL - 5242862095

20 1.85

+---------------------------------------------------------------------------

Moto Blank Entry 07

LEAN: 30170734 VROL: 5242897012

Lean Case ID: 30170734. Dispute ID: cd1dd9d8-69fc-43b5-8be7-b50f6681835e. CH claimed (1) Unauthorized Transaction from B & B HANDY MART, INC BROOKHAVEN MSUS amounting to $40 settled on Feb 22, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. Card status: in possession. PIN status: memorized. Card present transaction(s). Card status in MORTY: Card ending in 2552 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 07 | MCC: 5499 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. Cardholder has prior history with the disputed merchants. Card present transaction happened within Cardholder's vicinity. (6minutes/1.7mile(s) away). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. FR submitted with VROL#5242897012. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

LEAN: 30170752

Moto 7 Entry Mode 10 VROL

Lean Case ID: 30170752. Dispute ID: 78c56eef-581c-4fa0-9cc9-4048a895f87b. CH claimed (1) Unauthorized Transaction from NLYFANS.COM*A 8886880458 FLUS amounting to $30 settled on Feb 24, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC issued on 02/27/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within the UT timeline and with the same merchant. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Has chargeback rights. No enough evidence to deny the claim. Therefore, file a CB and FR with VROL # 5242953733. Case Ongoing.

LEAN: 30170766 Moto 7 Entry Mode 01 VROL: 5242969113

Lean Case ID: 30170766. Dispute ID: 7286c5ed-9a5b-4477-89b5-32363718afa3. CH claimed (1) Service/Merchandise Not Received from RH *pidgenyes.com Internet GB amounting to $29.99 settled on Feb 08, 2023. ICC date 2023-02-24. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Has chargeback rights. Initiated Chargeback on 02/27/2023 with ROL Case number: 5242969113 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

LEAN: 30170662 Moto Blank Entry 05 VROL: 5243016917

Lean Case ID: 30170662. Dispute ID: c170ea8b-df78-46d6-aafa-ef24827bb2df. CH claimed (4) Unauthorized Transaction from multiple merchants amounting to $649.51 settled on Feb 21, 2023. ICC date 2023-02-27. Reg E. OLD Account. PVC Eligible. Card status: lost. PIN status: memorized. Card present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Cardholder has previous transactions and spending pattern from the same disputed merchants. The Cardholder mentioned that the card was lost, meanwhile, there are multiple valid undisputed card present transactions after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within Cardholder's vicinity. (12minutes/4.2mile(s) away). No card declines associated with the disputed merchant. Therefore, NO ERROR FOUND. FR done #5243016960, 5243016917. Submitted a request to the current team to send Final letter reporting. Case closed.

LEAN: 30170718

383007844161801 383024295357064

4115-6802-9441-9638

VROL: 5243034821, 5243034869

Lean Case ID: 30170718. Dispute ID: 97e4bd59-af6a-4922-a49d-eae0bf8e8e95. CH claimed (2) Unauthorized Transaction from EGO SUBSCRIPTION LONDON GB amounting to $36 settled on Jan 07, 2023. ICC date 2023-02-24 to Jan 25, 2023. Reg E. OLD Account. PVC Issued om 02/27/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: Card ending in 9638 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within the UT timeline and with the same merchant. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Has chargeback rights. No enough evidence to deny the claim. Initiated Chargeback on 02/27/2023 with ROL Case number: 5243034821, 5243034869 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30170646. Dispute ID: 4ba14bc3-4562-45a3-9f0b-01ffd516be32. CH claimed (1) Amount Discrepancy (Recategorized from ATM Cash Not Dispensed) from WM SUPERC Wal-Mart Sup YOUNGSTOWN OHUS amounting to $868.74 settled on Feb 23, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 02/27/2023 with ROL Case number: 5243057105 with Dispute Amount 0071. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30170646. Dispute ID: 4ba14bc3-4562-45a3-9f0b-01ffd516be32. CH claimed (1) Amount Discrepancy (Recategorized from ATM Cash Not Dispensed) from WM SUPERC Wal-Mart Sup YOUNGSTOWN OHUS amounting to $868.74 settled on Feb 23, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Request for additional information form dated 02/27/2023. "What did the customer purchase?", "How much were they supposed to be charged?" Will pend the case for 5 business days. Case in progress.

LEAN: 30171366 VROL: 5243379601

Lean Case ID: 30171366. Dispute ID: d42e8e1b-dd98-4806-9067-fa7ca7c7a318. CH claimed (1) Amount Discrepancy from BAMBOO TERRACE TUCSON AZUS amounting to $79.08 settled on Feb 24, 2023. ICC date 2023-02-26. Reg E. OLD Account. PVC Issued on 02/28/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 2/28/2023 at 8:04:18 AM DST through phone number +1 520-889-2563. Unable to validate the transaction, call routed to voicemail. Initiated Chargeback on 02/28/2023 with ROL Case number: 5243379601 with CB code 12.5. Merchant has 30 days to respond. Case in progress.

LEAN: 30172843 VROL: 5244622111

Lean Case ID: 30172843. Dispute ID: 2e1dd4f9-68fb-4815-a600-833220c471c1. CH claimed (1) Service/Merchandise Not Received from SHEIN.COM 844-8022500 CAUS amounting to $137.30 settled on Feb 17, 2023. ICC date 2023-02-28. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 03/02/2023 with ROL Case number: 5244622111 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

Moto 2 Entry Mode 10 LEAN: 30172925

Lean Case ID: 30172925. Dispute ID: 6ba199be-9a14-4e62-a3c5-47ae7ba84199. CH claimed (1) Unauthorized Transaction from TME*People 855-239-8684 NYUS amounting to $66 settled on Feb 28, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issued on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 7389 is showing: DEACTIVATED. Card status: in possession. PIN status: memorized. Card not present transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. No Prior History. With other suspicious declined transactions within the UT timeline and with the same merchant. MCO Unsuccessful; Unable to validate transaction over the phone, the call was routed to an IVR. Has chargeback rights. No enough evidence to deny the claim. Initiated Chargeback on 03/02/2023 with ROL Case number: 5244633096 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Moto 7 Entry Mode 10

LEAN: 30173012

Lean Case ID: 30173012. Dispute ID: b4529972-91e0-4a5b-a0dc-a6845d5da322. CH claimed (1) Service/Merchandise Not Received from UBER EATS HELP.UBER.COMCAUS amounting to $28.37 settled on Feb 11, 2023. ICC date 2023-02-28. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant is part of the approved DNC list, unable to initiate MCO. Initiated Chargeback on 03/02/2023 with ROL Case number: 5244646232 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

LEAN: 30173057 VROL:

Lean Case ID: 30173057. Dispute ID: 68e50ea2-42f1-4131-8486-bb5dca4cb6ed. CH claimed (1) Credit Not Posted from SOUTHWESTAIR52624246220PAYPAL COM TXUS amounting to $374.98 settled on Feb 28, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issuance on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant is part of the approved DNC list, unable to initiate MCO. Initiated Chargeback on 03/02/2023 with ROL Case number: 5244662277 with CB code 13.6. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30165100 . Dispute ID: 99152dd3-4c59-4204-8cb1-6f75eb81a7b0. CH claimed (1) Unauthorized Transaction against BLINK MOTO #632 800-256-1953 NYUS amounting to $72.12 settled on Feb 10, 2023. ICC date: Feb 11, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/15/2023 10th bd. No claim cancellation and No merchant credit received. Card ending in 4713 is already deactivated. Card in possession. PIN status: Written-down. Card not present. Chargeback requested on 03/01/2023 with ROL#5237371966. Chargeback won: Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated 02/15/2023 amounting to $72.12 is now final. Case Closed.

30166703 LEAN

Lean Case ID: 30166703. Dispute ID: 082b8a7c-240b-4ed4-b58e-bcde18b6521f. CH claimed (1) Cancellation from ACCESS SECURE DEPOS 866-345-1884 MOUS amounting to $134.95 settled on Feb 07, 2023. ICC date 2023-02-15. Reg E. OLD Account. PVC Eligible. PVC issued on 02-20-2023 No claim cancellation as of today. No merchant credit as of today. Representment received on 03/01/23 with VROL #5239493070. As per merchant, the associated fees are provided for each deposit and the CH must again agree to the terms prior to completing the deposit. The CH must also agree to our terms and conditions prior to depositing funds. They agree to this each time a deposit is made. Therefore, No Error Found. PVC scheduled for reversal on 03/02/2023. Case Closed.

LEAN: 30173103

Lean Case ID: 30173103. Dispute ID: 5fdc1677-d16f-4076-bf73-bedfc8900f9f. CH claimed (1) Credit Not Posted from GOOGLE *Readom Globe g.co/helppay#CAUS amounting to $108.99 settled on Feb 26, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issued on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Request for additional Information Form dated March 02, 2023. Ask the CH "Is the customer owed a credit for 108.99? If yes, was the credit already issued?, If no, when will it be issued?" "Does the CH have the necessary documents to support her claim?". Case ongoing.

LEAN: 30173123

Lean Case ID: 30173123. Dispute ID: 7b3da7b2-5dd9-4d41-b14b-3c00e26e07d7. CH claimed (1) Service/Merchandise Not Received from USPS PO 01563908 2500 amounting to $1459.81 settled on Apr 06, 2022. ICC date 2023-02-28. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant is part of the approved DNC list, unable to initiate MCO. Claim is PTF no other recovery option. CH can contact the merchant directly for resolution. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

LEAN: 30172883 Moto 7 Entry Mode 01

Lean Case ID: 30172883. Dispute ID: cd967bbe-1bd1-4ba6-9c4a-2efc20db825e. CH claimed (2) Unauthorized Transaction from SECURUS INMATE CALL-VI amounting to $121 settled on Aug 11, 2022. ICC date 2023-02-28. Reg E. OLD Account. PTF Claim. No claim cancellation as of today. No merchant credit as of today. Card ending in 3723 is showing: DEACTIVATED. Card status: stolen. PIN status: memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Merchant is part of the approved DNC list, unable to initiate MCO. No enough evidence was found to deny the claim. Has no chargeback rights. Therefore, filed FR with VROL #5244805849, 5244805850. Therefore, Error Found. Endorsed to Current for sending of final letter. Case Closed.

LEAN: 30172950

Lean Case ID: 30172950. Dispute ID: 4eacbe3c-2a4e-4f75-a618-854f8ab78b7c. CH claimed (7) Cancellation from SHIPPO.COM HTTPSGOSHIPPOCAUS amounting to $94.13 settled on Feb 16, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 03/02/2023 with ROL Case number: 5244833101, 5244833100, 5244833099, 5244833098, 5244833097, 5244833096, 5244833095 with CB code 13.7. Merchant has 30 days to respond. Case in progress.

LEAN: 30173139

Moto Blank Entry 05

Lean Case ID: 30173139. Dispute ID: 6228fc44-8d39-44e0-92a6-29c4db6cd1e9. CH claimed (2) Unauthorized Transaction from multiple merchants amounting to $167.82 settled on Feb 24, 2023 to Feb 25, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 1192 is showing: DEACTIVATED. Card status: in possession. PIN status: memorized. Card present transaction(s). INVESTIGATION Account was funded via Wallet amounting to $85 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. . No card declines associated with the disputed merchant. Card present transaction happened within Cardholder's vicinity. (5minutes/1.9mile(s) away). No card declines associated with the disputed merchant. Card present transaction happened within Cardholder's vicinity. (5minutes/1.9mile(s) away). No card declines associated with the disputed merchant. Therefore, NO ERROR FOUND. FR done #5244846444, 5244846445. Submitted a request to the current team to send Final letter reporting. Case closed.

Related case 5244846445

LEAN: 30173078 4115-6802-2551-1974

10.59 Moto 7 1.05 Moo 7

vRelated case 5244897351, Related case 5244897352, Related case 5244897353
Lean Case ID: 30173078. Dispute ID: 1f76e92f-8e09-4feb-9335-f52f8741accf. CH claimed (7) Unauthorized Transaction from multiple merchants amounting to $101.41 settled on Jan 12, 2023 to Feb 26, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issued on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 1974 is showing: DEACTIVATED. Card status: lost. PIN status: memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Merchant is part of the approved DNC list, unable to initiate MCO. No enough evidence to deny the claim. Initiated Chargeback on 03/02/2023 with ROL Case number: 5244897031 with CB code 10.4. Filed FR# 5244897350 , 5244897351, 5244897352, 5244897353, 5244897440, 5244897441. Merchant has 30 days to respond. Case in progress.

LEAN: 30173824

Lean Case ID: 30170646. Dispute ID: 4ba14bc3-4562-45a3-9f0b-01ffd516be32. CH claimed (1) Amount Discrepancy (Recategorized from ATM Cash Not Dispensed) from WM SUPERC Wal-Mart Sup YOUNGSTOWN OHUS amounting to $868.74 settled on Feb 23, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Request for additional information form dated 02/27/2023. "What did the customer purchase?", "How much were they supposed to be charged?" Will pend the case for 5 business days. Case in progress.

Lean Case ID: 30173824. Dispute ID: 0ffa5f1a-5425-4a3e-b5fb-583eafb9e74a. CH claimed (1) ATM Cash Partial/Not Dispensed from 426 Bacon Rd Painesville OHUS amounting to $202.25 settled on Feb 17, 2023. ICC date Mar 01, 2023. Reg E. OLD Account. PVC Issued on 03/03/2023. No Claim Cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 03/03/2023 with ROL Case number: 5245251802 with Dispute Category: 13.9. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30173834. Dispute ID: 80779aa3-c0c1-4ecf-9fb0-0aaa29e2fcd2. CH claimed (1) Cancellation from ZEL*LORALIE WATTS-LAWREVisa Direct AZUS amounting to $200.00 settled on Feb 22, 2023. ICC Date: Mar 01, 2023. Reg E. OLD Account. PVC Issued on 03/03/2023. No Claim Cancellation as of today. No merchant credit as of today. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 03/03/2023 with ROL Case number: 5245275759 with Dispute Category: 13.7. Merchant has 30 days to respond. Case in progress.

VROL: 5245307259

Lean Case ID: 30173872. Dispute ID: e26aa33d-32f2-48d8-a220-976105724d58. CH claimed (1) Cancellation from PEARL HOLDING GROUP 954-587-2299 FLUS amounting to $217.39 settled on Feb 24, 2023. ICC Date: Mar 02, 2023. Reg E. OLD Account. PVC Issued on 03/03/2023. No Claim Cancellation as of today. No merchant credit as of today. INVESTIGATION Merchant callout initiated on 03/03/2023 at 09:54:18 AM DST through phone number 954-587-2299. Unable to verify the information of the CH since the agent on the other line didn't speak and put the call on mute. Initiated Chargeback on 03/03/2023 with ROL Case number: 5245307259 with Dispute Category: 13.7. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30173893. Dispute ID: e26f9a55-1f35-4627-a712-15ff68007389. CH claimed (1) Unauthorized Transaction from PAYPAL *CUIYANYANPP 4029357733 HK amounting to $389.00 settled on Feb 27, 2023. ICC date: Mar 02, 2023. Reg E. Old Account. PVC Issued on 03/03/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 0047 is showing: DEACTIVATED. Card status: Lost. PIN status: memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Merchant is part of the approved DNC list, unable to initiate MCO. No enough evidence was found to deny the claim. Has chargeback rights. Initiated Chargeback on 03/03/2023 with ROL Case number: 5245381548 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30173906. Dispute ID: 83b71825-4532-453e-86c8-b6a4a21aeb59. CH claimed (1) Unauthorized Transaction from CITY GEAR #6093 FULTON GAUS amounting to $183.18 settled on Mar 01, 2023. ICC Date: Mar 02, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 2044 is showing DEACTIVATED. Card Status: Lost. PIN Status: Memorized. Card present transaction(s). INVESTIGATION Account was funded via Wallet amounting to $300 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. No card declines associated with the disputed merchant. No card declines associated with the disputed merchant. No sign of ATO. Therefore, NO ERROR FOUND. FR done #5245421843. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30173917. Dispute ID: b051677c-03d3-43ef-9b82-07ca963e8d99. CH claimed (1) Unauthorized Transaction from WAL-MART #1976 HORSEHEADS NYUS amounting to $140.04 settled on Feb 22, 2023. ICC Date: Mar 02, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 9285 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card present transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (5411) that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5) and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. Therefore, No Error Found. FR Done #5245439410. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID: 30173932. Dispute ID: 44d67839-9181-4347-9987-59eba560df63. CH claimed (1) Merchandise/Service not as described from ONE DAY NAIL SPA TUCSON AZUS for $181.56 settled on Feb 17, 2023. ICC date: March 02, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Merchant callout initiated on 03/03/2023 at 01:57:18 PM DST through phone number 520-790-1729. Merchant unavailable to validate the claim and was told that they're busy. Initiated Chargeback on 03/03/2023 with ROL Case number: 5245456676 with CB code 13.3. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30173964. Dispute ID: 660ce537-a9c9-4663-8a3a-fecdd916232d. CH claimed (1) Cash Partial/Not Dispensed from AP *hhhouse store Hong Kong HK for $68.98 settled on Jan 13, 2023. ICC Date: Mar 02, 2023. Reg E Claim. Old Account. PVC Issuance on 03/03/2023. No claim cancellation. MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Request for additional Information Form dated March 3, 2023. "What was the shipping address?" "When were the goods shipped?" "Do you have a shipment tracking number? If so, what is it?" "What item/s were purchased?" Will pend the case for 5 days. Case ongoing.

100 Moto 1 Entry Mode 01 47.04 Moto Blank Entry Mode 05 120.02 Moto Blank 07 68.24 55.21 652.40 67.80

Lean Case ID: 30173810. Dispute ID: 53e83abb-06bd-47db-b0c2-7f90be4e6d9f. CH claimed (1) Unauthorized Transaction from multiple merchants amounting to $1110.71 settled between Feb 26, 2023 & Feb 27, 2023. ICC Date: Mar 01, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 0798 is showing DEACTIVATED. Card Status: Stolen. PIN Status: Memorized. Both Card present & card not present transaction(s). INVESTIGATION CH mentioned that the card was stolen, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (5814) that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5) and Chip Data Service Code: 201. No indication of third-party use or lost then found. Found valid undisputed EMV transaction that happened within the vicinity of the disputed transaction No evidence of card separation. All transactions are within CH’s typical spending activity. No suspicious declined transactions. Therefore, No Error Found. FR Done #5245502396, 5245502414, 5245502425, 5245502446, 5245502486, 5245523508, 5245523524 . No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Moto 7 VROL - Related case 5245523888, Related case 5245523889, Related case 5245523890, Related case 5245523891, Related case 5245523892, Related case 5245523893

Lean Case ID: 30173850. Dispute ID: a18d906f-401a-4699-860d-37bf1bbc2587. CH claimed (1) Unauthorized Transaction from multiple merchants amounting to 327.21 settled on Feb 26, 2023. ICC Date: March 01, 2023. Reg E. Old Account. PVC Issued on 03/03/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 6773 is showing DEACTIVATED. Card Status: Stolen. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. No Prior History. High Balance after the Disputed Transaction. With other suspicious declined transactions within UT timeline. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of DNC list. No enough evidence was found to deny the claim. Has chargeback rights. Therefore, file a CB and FR with VROL # 5245523887, 5245523888, 5245523889, 5245523890, 5245523891, 5245523892, 5245523893. Case ongoing.

LEAN: 30169655

VROL: 5246335834

Lean Case ID: 30170646. Dispute ID: 4ba14bc3-4562-45a3-9f0b-01ffd516be32. CH claimed (1) Amount Discrepancy (Recategorized from ATM Cash Not Dispensed) from WM SUPERC Wal-Mart Sup YOUNGSTOWN OHUS amounting to $868.74 settled on Feb 23, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION CH was able to submit answers from ADD INFO form. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of DNC list. Initiated Chargeback on 03/03/2023 with ROL Case number: 5246335834 with CB code 0071. Merchant has 45 days to respond. Case in progress.

LEAN: 30174545 Moto Blank Entry Mode 01

Lean Case ID: 30174545. Dispute ID: 0e3165ed-bddf-4df3-8526-a36c11566387. CH claimed (1) Unauthorized Transaction from CITY OF BARTOW BARTOW FLUS amounting to $573.00 settled on Jan 18, 2023. ICC Date: March 03, 2023. Reg E. Old Account. No claim cancellation as of today. No merchant credit as of today. Card ending in 9433 is showing DEACTIVATED. Card Status: In Possession as per CH verbatim. PIN Status: Memorized. Card present transaction(s). INVESTIGATION Request for additional Information Form dated March 06, 2023. Ask the CH "Are you still in possession of your Current Card?" Case ongoing.

LEAN: 30174556

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Moto 7 Entry Mode 01 VROL: 5246350807

ERRATUM: Lean Case ID: 30174556. Dispute ID: a7fabdd8-3fee-4dcf-91dc-45dfddc541b3. CH claimed (1) Cancellation from SOSMOOTHGANG.COM SOSMOOTHGANG.TXUS for $30.00 settled on Feb 25, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/06/2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 03/06/2023 with ROL Case number: 5246350807 with CB code: 13.7. Merchant has 30 days to respond. Case in progress.

LEAN: 30174584

Moto 7 Entry Mode 10

VROL: 5246376516

Lean Case ID: 30174584. Dispute ID: bc225339-617b-4b56-be20-5f871a5a57a4. CH claimed (1) Unauthorized Transaction from DD *DOORDASH DOLLARGEN amounting to $145.67 settled on Feb 27, 2022. ICC Date: March 03, 2023. Reg E claim. Old Account. PVC Not Eligible. PTF Claim. No claim cancellation as of today. No merchant credit as of today. Card ending in 5744 is showing DEACTIVATED. Card Status: Lost. PIN Status: Written-Down. Card not present transaction(s). INVESTIGATION No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. No CB rights. Therefore, NO ERROR FOUND. Filed FR with VROL # 5246376516. Escalated to Current for the approval of denying the claim. Case ongoing.

LEAN: 30174606 Moto 1 Entry Mode 01

Lean Case ID: 30174606. Dispute ID: 3ad76e61-a7d5-45bc-a9fc-399b44243ac3. CH claimed (1) Unauthorized Transaction from multiple merchants amounting to $51.02 settled between Jan 28, 2023 & Jan 29, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 6758 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION Account was funded via Wallet amounting to $32 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No other suspicious decline with the same merchant. All transactions are within Cardholder’s typical spending activity. Therefore, NO ERROR FOUND. FR done #5246388273, #5246388274, #5246388275. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto Blank Entry Mode 05

VROL: 5246409493

Lean Case ID: 30174632. Dispute ID: 78a07884-eee7-4720-9d34-adf01e2d6f65. CH claimed (1) Service/Merchandise Not Received from USPS PO 21599313 522 CHMELVILLE LAUS for $301.75 settled on Feb 22, 2023. ICC date: March 03, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of DNC list. Chargeback on 03/06/2023 with ROL Case number: 5246409493 with CB code: 13.1. Merchant has 30 days to respond. Case in progress.

Moto 7 Entry Mode 25- 5246425893 45 - 5246425894
5246425948 Related case 5246425949, Related case 5246425950, Related case 5246425951, Related case 5246425952

Lean Case ID: 30174672. Dispute ID: d919324e-1bd9-4ce4-9b69-7811b8290c06. CH claimed (7) Unauthorized Transaction from multiple merchants amounting to $145.00 settled on March 03, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 4128 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. High Balance after the Disputed Transaction. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of DNC list. No enough evidence was found to deny the claim. Initiated Chargeback and FR on 03/06/2023 with ROL Case number: 5246425893, 5246425894, 5246425948, 5246425949, 5246425950, 5246425951, 5246425952 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

VROL: 5246453062

Lean Case ID: 30174715. Dispute ID:b45b27af-28e5-47be-bf4f-44e3d35714b5. CH claimed (1) Unauthorized Transaction from CASH APPWHITNEYAD 8774174551 CAUS amounting to $320.00 settled on February 19, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 3309 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. No Prior History. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of DNC list. No enough evidence was found to deny the claim. With other suspicious declined transactions within the UT timeline. No enough evidence was found to deny the claim. Initiated Chargeback on 03/06/2023 with ROL Case number: 5246453062 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Moto 2 Entry Mode 01 VROL: 5246470553

Lean Case ID: 30174733. Dispute ID: 32ea29a0-5c04-4684-b94f-7bb2a52cbfe3. CH claimed (1) Unauthorized Transaction from Spectrum 855-707-7328 MOUS amounting to $259.75 settled on March 02, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 3309 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Initiated MCO on 03/06/2023 11:58 AM DST. Was told that they're unable to verify the information of the CH because of the company's security policy. No enough evidence to deny the claim. Has chargeback rights. Initiated Chargeback on 03/06/2023 with ROL Case number: 5246470553 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30174752. Dispute ID: 241e18f5-2391-4d0e-bc00-ddea0a68acf2. CH claimed (1) Unauthorized Transaction from TOP STAR #110 E WHITEHALL PAUS amounting to $35.31 settled on March 02, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 7705 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card present transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: 5542 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No suspicious declined transactions. Therefore, No Error Found. FR Done #5246517655. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID: 30174768. Dispute ID: 42ef1df9-a18d-44fd-9671-3c7395ffea3e. CH claimed (1) Unauthorized Transaction from FIVE BELOW 4044 WATERLOO IAUS amounting to $104.56 settled on February 17, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 9515 is showing DEACTIVATED. Card Status: Stolen. PIN Status: Memorized. Card present transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: 5542 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No suspicious declined transactions. Therefore, No Error Found. FR Done #5246529512. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID: 30174788. Dispute ID: fb0d9fb1-be2b-48ce-b5a6-e5f2df9dfe13. CH claimed (3) Unauthorized Transaction from APPLE.COM/BILL 866-712-7753 CAUS amounting to $81.15 settled on March 02, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 0933 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION Account was funded via Payment amounting to $67.25 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. FR done #5246545635, 5246545638, 5246545636. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto 7 Entry Mode 01 5246568567 - 196 5246568568

Lean Case ID: 30174819. Dispute ID: 5e7ecfdb-89f8-4ef4-a7a4-54019d80ce7c. CH claimed (2) Unauthorized Transaction from AAA MOVIL SAN JUAN PR amounting to $296.00 settled on February 17, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 3899 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. High Balance after the Disputed Transaction. No Prior History. MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. No enough evidence was found to deny the claim. Has chargeback rights. Therefore, file a CB and FR with VROL # 5246568567, #5246568568 with CB code 10.4. Case ongoing.

Lean Case ID: 30174836. Dispute ID: 2de4bfdd-32b6-4841-af75-42b15d30b2bf. CH claimed (1) Service/Merchandise Not as Described from ELITE INK CENTER LINE MIUS for $30.00 settled on February 28, 2023. ICC date: March 03, 2023. Non Reg E claim. New Account. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, call was only connected to an IVR. Initiated Chargeback on 03/06/2023 with ROL Case number: 5246602323 with CB code 13.3. Merchant has 30 days to respond. Case in progress.

Krystle Lynn Carter

Lean Case ID: 30174857. Dispute ID: d01d3f54-768c-408e-a186-59bddcf23ac0. CH claimed (1) ATM Cash Partial/Not Dispensed from LA MONROE TAR amounting to $380.00 settled on March 01, 2022. ICC date: march 03, 2023. Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). CH reported as a dispute abuser with the same dispute type. Escalating the case to current for the approval of denying the claim. Has no CB rights. Case ongoing.

Lean Case ID: 30174883. Dispute ID: 7bbeca03-97d6-4b87-abed-538e9c02a420. CH claimed (2) Unauthorized Transaction from Prime Video*HD2JQ6ID1 888-802-3080 WAUS amounting to $25.16 settled on March 03, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PTF Claim. No claim cancellation as of today. No merchant credit as of today. Card ending in 1257 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. No sufficient denial reason. With other suspicious declined transactions within UT timeline. No CB file as the remaining claim amount is below CB threshold. MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed.

LEAN: 30162860

Lean Case ID: 30162860. Dispute ID: d2375851-7c0d-4425-8d6b-54d0affea59c. CH claimed (1) Cash Not Dispensed from SUP. MERCADO PRISTINE S.D. DO for $381.64 settled on Feb 02, 2023. ICC date: Feb 03, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Representment received on 03/02/2023 with VROL# 5233620540. Merchant was able to show a proof that the cash was successfully dispensed and the CH was able to get it. Documents also shows that card number and the amount of the transaction. Therefore, No Error Found. PVC scheduled for reversal on 03/7/2023. Case Closed.

LEAN: 30165646

Lean Case ID: 30165646. Dispute ID: 560c0ea9-a3eb-44b8-b019-1a7e27371af5. CH claimed (1) Merchandise not as described from DOORDASH*CHURCHS TEXAS WWW.DOORDASH.CAUS for $37.97 settled on Feb 11, 2023. Non Reg E claim. Old Account. No Claim Cancellation and No Merchant Credit Received. INVESTIGATION* Representment received on 03/05/2023 with VROL# 5237932418. As per merchant, they have communicated with the customer before, during and after the transaction to ensure a secure and valid exchange. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30166913. Dispute ID: 4328a1dc-def8-4630-b395-cc97e3f36de8. CH claimed (1) Service/Merchandise Not Received from REMITLY* N2FB WWW.REMITLY.CWAUS for $61.99 settled on Feb 09, 2023. ICC date: Feb 15, 2023. Non Reg E claim. OldAccount. No claim cancellation and No merchant credit received. Representment received on 03/01/2023 with VROL# 5239583704. As per merchant, they are only responsible for facilitation money transfers electronically. CH accepts that in the event of completing a transfer for commercial purposes, paying for goods and services is at their own risk. Address of the customer matches in the documents presented by the merchant. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Moto 7 Entry Mode 06

Lean Case ID: 30174906. Dispute ID: 1d36c0bd-84d8-471f-afa4-5a6c604368f5. CH claimed (1) Unauthorized Transaction from ALWAYS MONEY 3342156581334-2156585 ALUS amounting to $194.71 settled on March 03, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/07/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 2312 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. No sufficient denial reason. With other suspicious declined transactions within UT timeline. No spending pattern found. Initiated MCO on 03/07/2023 10:39 AM DST. MCO Unsuccessful, call was only routed to a voicemail. No enough evidence to deny the claim. Has chargeback rights. Initiated Chargeback on 03/07/2023 with ROL Case number: 5247047895 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30174542. Dispute ID: 1d36c0bd-84d8-471f-afa4-5a6c604368f5. CH claimed (3) Unauthorized Transaction from multiple merchants amounting to $73.12 settled on March 02, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 3910 is showing DEACTIVATED. Card Status: Lost. PIN Status: Written-down. Card present transaction(s). INVESTIGATION Account was funded via Payment amounting to $64 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No other suspicious decline with the same merchant. Transactions are within the spending range of the CH. Therefore, NO ERROR FOUND. FR done #5247075071, 5247075072, 5247075152. Submitted a request to the current team to send Final letter reporting. Case closed.

CARD: 4115-6802-1068-5726

Lean Case ID: 30174920. Dispute ID: 828dbc85-ef5c-4557-bdec-8268cf379251. CH claimed (1) ATM Cash Partial/Not Dispensed from 9201 PRESTON HWY LOUISVILLE KYUS for $80.00 settled on Feb 04, 2023 . ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/07/2023. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional information form date March 07, 2023. Ask the CH "What amount was dispensed?" "Was it a partial or full amount that wasn't dispensed?" Case Ongoing.

VROL: 5247162526 - 35.95 5247162527 - 36.68

Lean Case ID: 30174630. Dispute ID: 52ee10ec-1d3c-4170-9467-a624fcdd526f. CH claimed (2) Cancellation from WALGREENS #7426 OPELOUSAS LAUS & WALGREENS STORE 410 CREOPELOUSAS LAUS for $72.63 settled between February 19, 2021 to February 21 , 2023. ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/07/2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO initiated on 3/7/2023. Unable to validate the transaction of the CH. As per merchant, they don't have the information of the CH and was told to give a call back tomorrow to speak with the manager. Initiated Chargeback on 03/07/2023 with ROL Case number: 5247162526, 5247162527 with CB code 13.7. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30175018. Dispute ID: 369f0b7a-2fce-4df4-bb85-55d2262bc01c. CH claimed (1) Unauthorized Transaction from PARTS CIT 935 N 3RD ST LANGLEY OKUS amounting to $31.34 settled on March 02, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. No PVC issued. No claim cancellation as of today. No merchant credit as of today. Card ending in 4209 is showing DEACTIVATED. Card Status: Lost. PIN Status: Written-down. Card present transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. No sufficient denial reason. MCO initiated on 03/07/2023 1:49 AM DST. Agent unable to pull up the details of the transaction without the invoice number. Unable to validate the transaction. Has no chargeback rights. Filed FR with VROL#: 5247177817. Therefore, Error found. Endorse to Current for sending of final letter. Case closed.

Lean Case ID: 30174964. Dispute ID: 9251ab2d-8a9f-4b03-b71e-b30639bc7695. CH claimed (1) recategorized from Services weren't as described to Amount Discrepancy from COBBLERS DIRECT HTTPSWWW.COBBTXUS for $620.00 settled on January 12, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/07/2023. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO on March 07, 2023. Merchant unable to verify the transaction. Agent said he can't verify the details of the CH because of their privacy policy. Initiated Chargeback on 03/07/2023 with ROL Case number: 5247199973 with CB code 12.5. Merchant has 30 days to respond. Case in progress.

4115-6801-8106-8407

Lean Case ID: 30175069. Dispute ID: db0a464e-b192-4c99-bfc2-184921ca3b90. CH claimed (1) ATM Cash Partial/Not Dispensed from 102 S MAIN ST DAYTON TXUS amounting to $142.50 settled on Feb 25, 2023. ICC date: march 03, 2023. Reg E. OLD Account. PVC Issued on 03/07/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Initiated Chargeback on 03/07/2023 with ROL Case number: 5247216809 with Dispute Code: 13.9. Case in progress.

Lean Case ID: 30175086. Dispute ID: 25b5056d-df2f-43d1-b9bd-944c440e8bb7. CH claimed (1) Unauthorized Transaction from QUALITY INN & STES SC33COLUMBIA SCUS amounting to $265.70 settled on December 13, 2022. ICC Date: Mar 04, 2023. Reg E. Old Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. Card ending in 1182 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card present transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (3508) that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5) and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. No ATO Hallmarks within UT Timeline. Filed FR with VROL #5247233891. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID: 30175098. Dispute ID: 1e3f3d27-1916-4e64-8e0d-61adb477f91f. CH claimed (1) ATM Cash Partial/Not Dispensed from 10105 224TH ST GRAHAM WAUS amounting to $400 settled on Feb 28, 2023. ICC date: March 04, 2023. Reg E. OLD Account. PVC eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION There are four disputes in total in CH's account with the same dispute type. These are signs of a REG-E Player. CH reported as a dispute abuser with the same dispute type. Escalating the case to client for the approval of denying the claim. Case ongoing.

Lean Case ID: 30174766. Dispute ID: f9f83825-907e-4577-a128-6e5de62cfe9f. CH claimed (2) Unauthorized Transaction against 10307 TARA BLVD JONESBORO GAUS amounting to $800.00 settled on between Feb 07, 2023 & March 03, 2023. ICC date: Feb 09, 2023. Reg E claim. New Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 6219 is already deactivated. Card Status: Lost. PIN status: Memorized. Card present transaction(s). INVESTIGATION Account was funded via Wallet amounting to $400 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. FR done #5247247975, 5247247976. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30174886. Dispute ID: ac3e49d4-8e7b-4816-bdc6-048eef317b79. CH claimed (3) ATM Cash Partial/Not Dispensed from multiple merchants amounting to $184.50 settled between Feb 23, 2023 & Feb 26, 2023. ICC date: March 03, 2023. Reg E. OLD Account. PVC Issued on 03/07/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Initiated Chargeback on 03/07/2023 with ROL Case number: 5247263457, 5247263488, 5247276010 with Dispute Code: 13.9 & Dispute Reason: 03. Case in progress.

41.25 - 5247263457 83.25 - 5247263488 60 - 5247276010

Lean Case ID: 30169595. Dispute ID: 9a89472b-67c0-4a16-8003-f3874a9f40b5. CH claimed (1) ATM Cash Partial/Not Dispensed from 889 WGRAND AVE OAKLAND CAUS amounting to $400 settled on Feb 07, 2023. ICC date 2023-02-22. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION CH reported as a dispute abuser with the same dispute type. Client approval to deny the claim. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

Lean Case ID: 30166727. Dispute ID: f084ad1c-773f-4881-ba25-021db6f693c7. CH claimed (1) Unauthorized Transaction from ICM*InstantCheckmate.co800-2228985 CAUS for $27.08 settled on Feb 15, 2023. ICC date: Feb 15, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/20/2023. No claim cancellation and No merchant credit received. Card ending in 2467 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card not present transaction. Chargeback requested on 02/20/2023 with ROL#5239495974. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated 02/20/2023 amounting to $27.08 is now final. Case Closed.

Lean Case ID: 30167340. Dispute ID: 763ce571-e1e3-4251-9f64-db9d4ad195ef. CH claimed (1) Service/Merchandise Not Received from UBER TRIP HELP.UBER.COMCAUS for $84.33 settled on Feb 14, 2023. ICC date: Feb 16, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 03/05/2023 with VROL 5239865916. The documents provided by the merchant shows that the service was rendered by the CH. Moreover, there were 6 trips taken on the same card used on this transaction. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30171478. Dispute ID: 8508e6f9-a0ec-4dd1-ac03-b779bbfa9f9c. CH claimed (1) Charged More Than Once from EXPRESS STOP PAR KANSAS CITY KSUS amounting to $29.40 settled on Feb 24, 2023. ICC date 2023-02-26. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

Lean Case ID: 30174857. Dispute ID: d01d3f54-768c-408e-a186-59bddcf23ac0. CH claimed (1) ATM Cash Partial/Not Dispensed from LA MONROE TAR amounting to $380.00 settled on March 01, 2022. ICC date: march 03, 2023. Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Received approval from the client in denying the claim since the CH was reported as a Reg E player. Therefore, NO ERROR FOUND. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto Blank Entry Mode 07

Lean Case ID: 30176152. Dispute ID: b5f60987-fdd2-4639-bb30-e51f0105f93d. CH claimed (1) Amount Discrepancy from HOMES TO SUITES BY HILTORLANDO FLUS for $78.38 settled on March 03, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. INVESTIGATION With four dispute claims under Amount Discrepancy. Possible Reg E Player. Escalating the case to current for the approval of denying the claim. Case Ongoing.

CUID: 6lo32yCoecnwYwXO63WvdWP1NgIbJQiv Dispute ID: b5f60987-fdd2-4639-bb30-e51f0105f93d Dispute Type: Amount Discrepancy Case ID (Adj Hub): 30176152 Disputed Amount: $78.38

Moto Blank Entry Mode 05

Lean Case ID: 30174942. Dispute ID: f25c5290-2deb-45e1-b8e1-5cf510747476. CH claimed (2) Unauthorized Transaction from multiple merchants for $1242.25 settled between February 24, 2023 & March 02, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 4722 is already deactivated. Card Status: Lost. Pin Status: Written-down. Card Present Transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: 5411 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5) and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. Account was funded via Wallet amounting to $1,999.00 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. No ATO hallmarks within UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. FR done #5247615305, 5247615365. Submitted a request to the current team to send Final letter reporting. Case closed.

702-850-4341

VROL 100.75 5247639201 47.52 5247639200 72.85 5247639285

Lean Case ID: 30174998. Dispute ID: 58f87553-8488-4531-b494-0d94b462447d. CH claimed (3) Merchandise Returned from multiple merchants for $221.12 settled between January 18, 2023 & January 19, 2023. ICC date: March 03, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Initiated Chargeback on 03/08/2023 with ROL Case number: 5247639201, 5247639200, 5247639285 with Dispute Code: 13.3 & Dispute Reason: 0075. Case in progress.

Moto 2 Entry Mode 10 4115-6801-6468-9229

Lean Case ID: 30175039. Dispute ID: 27f71271-cbd7-437a-b8fc-4a9cb0a636dd. CH claimed (2) Unauthorized Transaction from multiple merchants for $147.55 settled between March 02, 2023 & March 03, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 9299 is already deactivated and replaced. Card Status: Lost. Pin Status: Written-down. Card Not Present Transaction(s). INVESTIGATION MCO initiated on 03/08/2023 10:35 AM DST. Was able to speak with Agent Mariel. As per merchant, the name, phone number and email address matches. They've also added that the transaction was for the reactivation of the account of the CH. They will also not accept any refund since the transaction was valid on their end. CH was using their service for a very long time already. Transactions are within the spending range of the CH. No other suspicious declined transactions from the same merchant. Therefore, NO ERROR FOUND. FR done #5247680086, 5247680087. Submitted a request to the current team to send Final letter reporting. Case closed.

MCO 10:35 AM DST First Name PTN Email Address Physical Address Reactivation

qhBbCqlfFepcp-ocrChiDlcbkug-tdFdyntliicko-noibdslvioxtl

Lean Case ID: 30174555. Dispute ID: df3d3b04-8829-47d4-8d08-5ed3aca3ff99. CH claimed (1) Cancellation from SOSMOOTHGANG.COM SOSMOOTHGANG.TXUS for $30.00 settled on Feb 04, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated. No phone number available. With five dispute claims under cancelled subscription or membership. Possible Reg E Player. Escalating the case to current for the approval of denying the claim. Case Ongoing.

CUID: cHRlZKcJR30WFqck9QUgpfpsf8kYWu11 Dispute ID: df3d3b04-8829-47d4-8d08-5ed3aca3ff99 Dispute Type: Cancelled Subscription/Membership Lean Case ID: 30174555

Lean Case ID: 30176160. Dispute ID: 22c7df8c-ff8c-44c4-a9bb-1a9b8202a030. CH claimed (1) Service/Merchandise Not Received from RH *paemag.com Internet GB for $52.34 settled on March 06, 2023. ICC date: March 06, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Initiated Chargeback on 03/08/2023 with ROL Case number: 5247693868 with Dispute Code: 13.1. Case in progress.

Moto 7 Entry Mode 01

Lean Case ID: 30176175. Dispute ID: bb5ce5f8-f53b-4037-85ac-71dad0efbd2f. CH claimed (1) Unauthorized Transaction from ACBBILL.COM 888-2030264 NYUS for $44.00 settled on March 02, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Issued on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 1951 is already deactivated and replaced. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within the UT timeline. Initiated MCO on 03/08/2023 11:32 AM DST. Waited on the queue for a couple of minutes. Unable to speak with a live agent. No enough evidence to deny the claim. Has chargeback rights. Initiated Chargeback on 03/08/2023 with ROL Case number: 5247703446 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Card Present

Lean Case ID: 30176199. Dispute ID: db87ff9e-969c-4d8b-a552-274c00c98e86. CH claimed (1) Unauthorized Transaction from GORDON RAMSAY HELLS KITWASHINGTON DCUS for $505.65 settled on March 06, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 8364 is already deactivated. Card Status: Stolen. Pin Status: Memorized. Card Present Transaction(s). INVESTIGATION Account was funded via Payment amounting to $133.54 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. The Cardholder mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transactions after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. FR done #5247715253. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto Blank Entry Mode 05

Lean Case ID: 30176224. Dispute ID: f1d9cabf-6d99-40b9-8228-b16e90e13dd7. CH claimed (1) Unauthorized Transaction from PAR*FOGO CHICAGO CHICAGO ILUS for $210.00 settled on March 06, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 2893 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Present Transaction(s). INVESTIGATION Entry Mode: 05 | MCC: 5812 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5) and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. Disputed transactions happened within the vicinity of the CH’s address. No ATO hallmarks within UT timeline. Therefore, NO ERROR FOUND. FR done #5247754899. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto 7 Entry Mode 01

Lean Case ID: 30176237. Dispute ID: 54b71b70-9a0a-42cb-88f3-fa5dedc67737. CH claimed (1) Unauthorized Transaction from LYFT *RIDE SAT 1PM lyft.com CAUS for $47.69 settled on March 06, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Issued on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 0591 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. High balance after the disputed transaction. With other suspicious declined transactions within the UT timeline. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of DNC list. No enough evidence was found to deny the claim. Has chargeback rights. Therefore, file a CB and FR with VROL # 5247792525. Case ongoing.

Lean Case ID: 30176264. Dispute ID: 9a31ba24-ca35-4255-b691-5276d0ca1004. CH claimed (1) Service/Merchandise Not as Described from CASH APP*TABLONG JO 8774174551 CAUS for $50.00 settled on March 05, 2023. ICC date: March 06, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION As per CashApp terms and conditions under sec: VII Peer to Peer Service no. 2 "You will be able to send funds using our P2P service if you have a linked bank account or linked a credit card. If you have an Unrestricted Account you will also be able to send funds using our P2P service from your balance. You authorize us to move funds on your behalf. We won’t be responsible for certain incomplete transactions, as described here." Merchant stated on their terms and conditions that CashApp is only a 3rd party who process the payment transaction. Therefore. No error found. Finalize this claim as denied. Endorsed to Current for sending of final letter. Case closed.

Lean Case ID: 30176278. Dispute ID: 2027dcdc-ce06-4410-acf4-a6c4a2c4d482. CH claimed (1) Service/Merchandise Not Received from SP THEWIGDEALERS HTTPSTHEWIGDEFLUS for $303.99 settled on February 04, 2023. ICC date: March 06, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Initiated Chargeback on 03/08/2023 with ROL Case number: 5247815125 with CB code 13.1. Merchant has 30 days to respond. Case in progress.

Moto 7 Entry Mode 10

499.22 5247836538 249.21 5247836539 211.22 5247836540

Lean Case ID: 30176305. Dispute ID: 50809ae3-e509-4ace-8584-822562d5e6f7. CH claimed (3) Unauthorized Transaction from CASH APP*ANTOINETTE 8774174551 CAUS for $959.65 settled on March 01, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Issued on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 0545 is already deactivated. Card Status: Stolen. Pin Status: Written-Down. Card Not Present Transaction(s). INVESTIGATION No funding activity. No cash in/out. No spending nor behavioral pattern observed. High balance after the disputed transaction. With suspicious declined transactions from the same merchant. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 08, 2023 with ROL Case #5247836538, 5247836539, 5247836540. Merchant has 30 days to respond. Case ongoing.

Moto 7

Lean Case ID: 30176334. Dispute ID: 0d1c9572-4a4e-4e6d-86e2-89555d4c0bcd. CH claimed (1) Unauthorized Transaction from AMZN Mktp US*H57K250L1 Amzn.com/billWAUS for $268.90 settled on March 06, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 9759 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with his spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5247862031. Endorsed to Current Team for final letter. No credit issued. Case closed.

Moto Blank Entry Mode 05

Lean Case ID: 30176352. Dispute ID: 4847fc49-cff4-45a7-80ef-e5d2f467bead. CH claimed (1) Unauthorized Transaction from SB CUSTOM JEWELERS AUGUSTA GAUS for $702.00 settled on March 04, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. Card ending in 7115 is already deactivated. Card Status: Stolen. Pin Status: Memorized. Card Present Transaction(s). INVESTIGATION Entry Mode: 05 | MCC: 5944 that indicates that the disputed transaction was made through an EMV Chip Card Read (data is reliable). Terminal Entry Capability (5) and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No ATO hallmarks within UT timeline. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. No Fraud Alert Captured within the UT Timeline. Therefore, NO ERROR FOUND. FR done #5247862222. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30169672. Dispute ID: c15f35bc-3101-4076-ad93-dcf79ff20236. CH claimed (1) Service/Merchandise Not Received from MYZMOKIE.COM MYZMOKIE.COM CAUS amounting to $33.24 settled on Jan 25, 2023. ICC date 2023-02-22. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Chargeback requested on 02/24/2023 with VROL#5241769412. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30170752. Dispute ID: 78c56eef-581c-4fa0-9cc9-4048a895f87b. CH claimed (1) Unauthorized Transaction from ONLYFANS.COM*A 8886880458 FLUS amounting to $30 settled on Feb 24, 2023. ICC date 2023-02-24. Reg E. OLD Account. PVC issued on 02/27/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. Chargeback requested on 02/27/2023 with ROL#5242953733. Chargeback won. Error found. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Provisional credit issued dated 02/27/2023 amounting to $30.00 is now final. Case Closed.

ERRATUM: Lean Case ID: 30170718. Dispute ID: 97e4bd59-af6a-4922-a49d-eae0bf8e8e95. CH claimed (2) Unauthorized Transaction from EGO SUBSCRIPTION LONDON GB amounting to $36 settled on Jan 07, 2023. ICC date 2023-02-24 to Jan 25, 2023. Reg E. OLD Account. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: Card ending in 9638 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within the UT timeline and with the same merchant. MCO unsuccessful: Unable to validate transaction over the phone, Merchant is part of the DNC list. Unable to file chargeback due to claim is below CB threshold. Therefore, ERROR FOUND. Filed FR with ROL Case #5243034821, 5243034869. Endorsed to Current Team for final letter and credit. Case closed.

Lean Case ID: 30166630. Dispute ID: 639553b5-0ae4-48bb-9672-2370a3620bf7. CH claimed (1) Service/Merchandise Not Received from PAYPAL *MADEWMAGIK 402-935-7733 CAUS amounting to $40 settled on 01-11-2023. ICC date 2023-02-15. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Chargeback requested on 03/10/2023 with ROL#5239472777. Chargeback won: Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30167490. Dispute ID: 05cc627e-8f04-4e91-a348-159f924d64d8. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH WENDYS 855-973-1040 CAUS amounting to $31.69 settled on Feb 15, 2023. ICC date 2023-02-16. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on 03/04/2023 with VROL # 5239902402. The documents sent by the merchant matches the DELIVERY ADDRESS of the CH. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30168068. Dispute ID: c96d9264-6643-46d1-b34c-75187166b5c8. CH claimed (1) Unauthorized Transaction from BLUDLPHN.com*People 877-2029589 CTUS amounting to $75.97 settled on Feb 18, 2023. ICC date 2023-02-18. Reg E. OLD Account. PVC issued on 02/22/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: Card ending in 2049 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days Error found. Provisional credit issued dated 02/18/2023 amounting to $75.97 is now final. Case Closed.

Lean Case ID: 30167613. Dispute ID: 79b8fbd8-3f41-4dbc-9c35-fe985ef51131. CH claimed (1) Unauthorized Transaction from ZIP.CO* FASHION NOVA HTTPSWWW.ZIP.NYUS amounting to $34.25 settled on Feb 16, 2023. ICC date 2023-02-17. Reg E. OLD Account. PVC Issued on 02/21/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. Representment received on 03/08/23 with VROL #5240027988. Documents provided by the merchant matches with the information of the customer. Info matches are the name and the email address. Therefore, No Error Found. PVC scheduled for reversal on 03/10/2023. Case Closed.

ERRATUM: Lean Case ID: 30168284. Dispute ID: c453b130-9a59-41d1-84be-c3fb72861dfd. CH claimed (1) Service/Merchandise Not as Described from LITTLE CAESARS 1342-000216-249-9000 OHUS amounting to $32.52 settled on Feb 17, 2023. ICC date 2023-02-18. Non Reg E. NEW Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone, was able to reach out an agent but immediately transferred to another queue. Waited for 5 mns then left the call. MCO time at 1:03 PM DST. Pend for 15 days before proceeding to CB, with VROL# 5240607331. Case ongoing.

5240607331

ERRATUM: Lean Case ID: 30168284. Dispute ID: c453b130-9a59-41d1-84be-c3fb72861dfd. CH claimed (1) Service/Merchandise Not as Described from LITTLE CAESARS 1342-000216-249-9000 OHUS amounting to $32.52 settled on Feb 17, 2023. ICC date 2023-02-18. Non Reg E. NEW Account. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Filed Chargeback on 03/10/2023 with ROL Case #5240607331 . Merchant has 30 days to respond. Case ongoing.

30168321

Lean Case ID: 30168872. Dispute ID: 3ae69c9e-e2bd-422e-99a4-ee3a214a3e62. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH BAILEYSBA 855-973-1040 CAUS amounting to $31.68 settled on Feb 17, 2023. ICC date 2023-02-20. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on 03/04/23 with VROL #5241070615. The documents provided by the merchant shows that the DELIVERY ADDRESS matches with the information of the CH. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30168912. Dispute ID: 8cd8e01b-7ba7-43e2-b08d-2928f78ac9ae. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH WENDYS 855-973-1040 CAUS amounting to $38.80 settled on Feb 18, 2023. ICC date 2023-02-20. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on 03/04/23 with VROL# 5241108693. . Pre-arb initiated on mm/dd/yyyy (date on when the pre-arb was initiated in VISA). Merchant has 30 days to respond. Case ongoing.

9120 Outer Dr E Detroit, MI 48213

Lean Case ID: 30177832. Dispute ID: 256e5374-02f1-4580-b1a3-cb52ad57158d. CH claimed (1) fromATM Cash Partial/Not Dispensed for $203.50 settled on March 03, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION There are four disputes in total in CH's account with the same dispute type. These are signs of a REG- E Player. CH reported as a dispute abuser with the same dispute type. Escalating the case to client. Case will be escalated to further investigation.

CUID: fwDarYGgt8MEnMmHvYWfZBStff1L1NPw Dispute ID: 256e5374-02f1-4580-b1a3-cb52ad57158d Dispute Type: ATM Cash Not Dispensed Lean Case ID: 30177832

Moto 7 Entry Mode 01

Lean Case ID: 30177845. Dispute ID: c29501d2-4dbb-4133-a256-cf4354fbd1c5. CH claimed (1) Unauthorized Transaction from dhgate.com dhgate.com GB for $116.38 settled on March 08, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 4210 is already replaced. Card Status: In Possession. PIN Status: Written-Down. Card Not Present Transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Merchant is part of the approved DNC list, unable to initiate MCO. No enough evidence was found to deny the claim. Has chargeback rights. Initiated Chargeback on 03/010/2023 with ROL Case number: 5248891438 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30177849. Dispute ID: 4814e2f9-f8b8-465f-b344-f66cd724fcde. CH claimed (1) Unauthorized Transaction from MIKEMAROONECHEVROLETWP WEST PALM BEAFLUS for $903.72 settled on March 08, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 0287 is already deactivated. Card Status: Stolen. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION Account was funded via Wallet amounting to $900 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. The Cardholder mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transactions after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. No ATO hallmarks/PII changes within the UT timeline. No other suspicious decline with the same merchant. Therefore, NO ERROR FOUND. FR done #5248909347. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30171456. Dispute ID: 6292d19b-254d-4e45-8af7-051bd0449931. CH claimed (1) ATM Cash Partial/Not Dispensed from 301 BLACKJACK DRIV SAND SPRINGS OKUS amounting to $63 settled on Feb 17, 2023. ICC date 2023-02-26. Reg E. OLD Account. No PVC Issued. No claim cancellation as of today. No merchant credit as of today. Claim has been escalated already. With clients approval to deny the claim. CH reported as a dispute abuser with the same dispute type. No Error Found. Endorsed to Current Team for final letter. Case Closed.

Lean Case ID: 30177858. Dispute ID: 71c6d282-62b3-47fa-bad4-6c512c9a78e2. CH claimed (1) Unauthorized Transaction from GROVER USA, INC. 152-5585185 NYUS for $47.93 settled on March 03, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 7513 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding activity. No cash in/out. No spending nor behavioral pattern observed. With suspicious declined transactions from the same merchant. Without 3rd Party Access. No MCO initiated, no phone number/toll-free available. Filed Chargeback on with ROL Case #5248947627. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30177871. Dispute ID: bdbe9250-f5a5-4653-8f96-9b9addc496e9. CH claimed (1) Service/Merchandise Not Received from RUDY FURNITURE MONTGOMERY ALUS for $769.99 settled on February 28, 2023. ICC date 03/09/2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION* Initiated MCO via Rudy Furniture with phone number +1 334-260-2898, routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 10, 2023 with ROL Case #5248988976. Merchant has 30 days to respond. Case ongoing.

5249006269 100

Lean Case ID: 30177865. Dispute ID: 6a5f9743-fa0b-4a57-83c9-0f1793263bf6. CH claimed (2) Unauthorized Transaction from Multiple Merchants for $304.99 settled between February 28, 2023 & March 09, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 7509 is already deactivated. Card Status: Stolen. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION Account was funded via Wallet amounting to $215 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. FR done #5249006269, 5249006270. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30177882. Dispute ID: 24fafa54-43d6-45d3-9e7d-9f8544e0d44b. CH claimed (3) Unauthorized Transaction from Multiple Merchants for $136.53 settled between March 03, 2023 & March 04, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 4425 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION Account was funded via Pay amounting to $150 prior the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Cash in / Cash out observed. All transactions are within CH's typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. Therefore, NO ERROR FOUND. FR done #5249022639, 5249022641, 5249022640. Submitted a request to the current team to send Final letter reporting. Case closed.

Moto 2 Entry Mode 10

Lean Case ID: 30177897. Dispute ID: ed91c315-3b60-4b99-a61e-20b4ddff266c. CH claimed (1) Unauthorized Transaction from MEOF-FL4C * CURRENT HTTPSCURRENT.NYUS for $51.81 settled on March 08, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 7253 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. Without 3rd Party Access. All transactions are within CH's typical spending activity. All transactions are within CH's typical spending activity. MCO initiated, no phone number/toll-free available. No enough evidence was found to deny the claim. Filed Chargeback on March 10/ 2023 with ROL Case #5249037605. Merchant has 30 days to respond. Case ongoing.

Moto 2 Entry Mode 10

Lean Case ID: 30177910. Dispute ID: 441255f0-932a-4093-9bf6-1bdd0c5fef56. CH claimed (1) Cancellation from CUROLOGY HTTPSCUROLOGYCAUS for $61.30 settled on March 09, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 10, 2023. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Filed Chargeback on March 10, 2023 with ROL Case #5249050024. Merchant has 30 days to respond. Case ongoing.

Moto 7

Lean Case ID: 30177923. Dispute ID: 651e4e43-62b3-428d-b7a5-90af58cdacf0. CH claimed (1) Service/Merchandise Not Received from STRAIGHTTALKAIRTIME 877-430-2355 FLUS for $49.51 settled on March 09, 2023. ICC date: March 09, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via STRAIGHTTALKAIRTIME 877-430-2355, routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 10, 2023 with ROL Case #5249065057. Merchant has 30 days to respond. Case ongoing.

Moto 7

10.4 5249065350 1300

Lean Case ID: 30177936. Dispute ID: bf097f16-3de0-4087-975a-afe1f86baba0. CH claimed (2) Unauthorized Transaction from APPLE CASH 1INFINITELOOPCAUS for $1492.00 settled on March 09, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 5128 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. High balance after the disputed transaction. With other suspicious declined transactions within UT timeline. Without 3rd Party Access. All transactions are within CH's typical spending activity. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 10, 2023 with ROL Case #5249065350, 5249065411. Merchant has 30 days to respond. Case ongoing.

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Lean Case ID: 30177963. Dispute ID: 296d15fd-c8b1-4eca-936c-63cd2a982588. CH claimed (1) from ATM Cash Partial/Not Dispensed for $400.00 settled on January 27, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION There are six (6) disputes in total in CH's account with the same dispute type. These are signs of a REG- E Player. CH reported as a dispute abuser with the same dispute type. Escalating the case to client. Case will be escalated to further investigation.

CUID: sE7VJcIL8Otk1Njr9N0Id2nebotJO1xI Dispute ID: 296d15fd-c8b1-4eca-936c-63cd2a982588 Amount: $400.00

Lean Case ID: 30177987. Dispute ID: e3e46382-07f0-446b-aadb-61e2a99a891e. CH claimed (1) Unauthorized Transaction from Wal-Mart Super Center BELLEVILLE ILUS for $274.18 settled on March 05, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 8936 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (5411) that indicates that the disputed transaction was made through an EMV Chip Card Read. Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. Filed FR with ROL #5249094861. Therefore, No Error Found. No credit issued. Endorsed to Current for Sending of final letter. Case Closed.

Lean Case ID: 30178024. Dispute ID: 5ef0df33-d46d-4034-8637-eec559d93ce5. CH claimed (1) Unauthorized Transaction from LIFEKBRANDS 844-9049670 DEUS for $198.78 settled on March 09, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 1958 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. High balance after the disputed transaction. Without 3rd Party Access. All transactions are within CH's typical spending activity. Initiated MCO via LIFEKBRANDS 844-9049670, Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 10, 2023 with ROL Case #5249107421. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30178044. Dispute ID: 3d669423-2418-4a68-94d0-b278c6d48e35. CH claimed (1) Amount Discrepancy from AMERICAN AUTO STORAGE HOUSTON TXUS for $283.95 settled on March 08, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional information form dated 03/10/2023. Ask the CH "What was the amount the customer expected to be charged?" Case in progress.

Dispute ID: f54223b2-099a-4417-8690-f2e5da7e7885. Lean Case no.: 30163775. ICC is on: 2023-02-08. Cardholder is disputing (1) EA Service/Merchandise Not Received against SP DRUNKONO HTTPSWWW.DRUNALUS amounting to $28.10. Non Reg E claim. No claim cancellation as of today. No merchant credit as of today. Investigation ** OLD Account. MOTO/ECI: 7, Entry mode: 01. Initiated MCO via (merchant name and number), Routed to IVR, unable to validate the disputed transaction/s. Initiated Chargeback on 2023-02-013 with ROL Case number: 5235998598 with CB code 13.1. Merchant has 30 days to respond. PVC Issued. Case in progress.

Lean Case ID: 30163775. Dispute ID: f54223b2-099a-4417-8690-f2e5da7e7885. CH claimed (1) Service/Merchandise Not Received from SP DRUNKONO HTTPSWWW.DRUNALUS for $28.10 settled on January 23, 2023. ICC date: Feb 08, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 03/12/23 with VROL 5235998598. Based on the documents provided by the merchant, the shipping address of the CH matches the information from the merchant. Moreover, the item was delivered at the mailbox at exactly 10:56 AM on January 27, 2023. The CH needs to contact the postal service to do a claim because it shows delivered. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30177963. Dispute ID: 296d15fd-c8b1-4eca-936c-63cd2a982588. CH claimed (1) from ATM Cash Partial/Not Dispensed for $400.00 settled on January 27, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Received an approval from the client to deny the claim. CH has been reported as a Reg E player. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30165059. Dispute ID: 96cf4c29-6b80-4484-90e4-0d8502c4858f. CH claimed (1) Service/Merchandise Not Received from WALMART.COM 800-966-6546 ARUS for $115.73 settled on Feb 01, 2023. ICC date Feb 11, 2023. Non Reg E claim. Old Account. Non Reg E claim. Old Account. No claim cancellation and No Merchant Credit Received. Chargeback requested on 03/13/2023 with ROL#5237303943. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30166836. Dispute ID: b7300c56-eb22-48d0-851e-7d91d02a4704. CH claimed (1) (Unauthorized Transaction from IIQ*IDENTITYIQ.COM 877-8754347 NVUS for $35.90 settled on Feb 13, 2023. ICC date: Feb 15, 2023. Reg E claim. Old Account. Requested for PVC Issuance on February 20, 2023. No claim cancellation and No merchant credit received. Card ending in 1370 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Chargeback requested on Feb 20, 2023 with ROL#5239533764. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated 03/13/2023 amounting to $35.90 is now final. Case Closed.

Lean Case ID: 30167513. Dispute ID: 927bbfb2-39f2-4763-92ad-97c33bb12e23. CH claimed (1) Unauthorized Transaction from SEZZLE* SEZZLE TARG 8R HTTPSSEZZLE.CMNUS amounting to $113.31 settled on Feb 03, 2023. ICC date 2023-02-16. Reg E. OLD Account. Requested for PVC Issuance on 02/21/2023. Card status: in possession. PIN status: memorized. Card not present transaction(s). Card status in MORTY: DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION No funding event that has impact prior to the disputed transaction. No spending pattern found. With other suspicious declined transactions within UT timeline. High Balance after the Disputed Transaction. MCO unsuccessful: Unable to validate transaction over the phone, waited on the queue for 5 minutes. No enough evidence to deny the claim. Initiated Chargeback on 02-21-2023 with ROL Case number: 5239934280 with CB code 10.4. Merchant has 30 days to respond. Case in progress.

Lean Case ID: 30167513. Dispute ID: 927bbfb2-39f2-4763-92ad-97c33bb12e23. CH claimed (1) Unauthorized Transaction from SEZZLE* SEZZLE TARG 8R HTTPSSEZZLE.CMNUS for $113.31 settled on Feb 03, 2023. ICC date: Feb 16, 2023. Reg E claim. Old Account. Requested for PVC Issuance on Feb 21, 2023. No claim cancellation and No merchant credit received. Card ending in 4201 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). Representment received on March 10, 2023 with VROL# 5239934280. As per checking the documents provided by the merchant, it shows that the person who completed the transaction was actually the shared account of the CH. Information matches with the documents sent by the merchant. Name, Billing Address & Phone Number matches as well. Therefore, No Error Found. PVC scheduled for reversal on 03/13/2023. Case Closed.

Lean Case ID: 30167532. Dispute ID (1f1f0af1-1a37-4f1e-b522-d6811e39a38b). CH claimed (1) UT transaction from CASH APP*ANTHONY TH 8774174551 CAUS for $707.00 settled on Feb 15, 2023. ICC date Feb 16, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/21/2023. No claim cancellation and No merchant credit received. Card ending in 4398 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). Representment received on 03/04/2023 with VROL# 5239950652. As per merchant, the CH previously made the following 29 non-disputed transactions with the same PAN on their CashApp Account dating back to 2022-08-31 more than 176 days ago. CH verified ownership of bank associated with card instrument via login through a 3rd Party Application. Therefore, No Error Found. PVC scheduled for reversal on 03/13/2023. Case Closed.

Lean Case ID: 30168912. Dispute ID: 8cd8e01b-7ba7-43e2-b08d-2928f78ac9ae. CH claimed (1) Service/Merchandise Not Received from DD DOORDASH WENDYS 855-973-1040 CAUS for $38.80 settled on Feb 18, 2023. ICC date: Feb 20, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 03/04/23 with VROL#5241108693. As per checking the documents provided by the merchant, the CH has placed 6 orders using the same payment method. Merchant also tracks the number of successful orders by this customer with the same delivery address and the customer has placed 10 orders using the same address. As per Terms and Conditions, charges paid by the CH for completed and delivered orders are final and non-refundable. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Moto 6 Entry Mode 01

Lean Case ID: 30178568. Dispute ID: cd804668-b42f-406e-957b-3b025960e22b. CH claimed (1) UT transaction from ADIDAS US ONLINE STORE 800-9829337 ORUS for $112.29 settled on Feb 12, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. No PVC issued. No claim cancellation and No merchant credit received. Card ending in 8909 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. FR done #5250056223. Submitted a request to the current team to send Final letter reporting. Case closed.

Lean Case ID: 30178575. Dispute ID: 4c9663c5-fa47-4424-8a1d-b33a55467ae9. CH claimed (1) Service/Merchandise Not Received from AB * promsstyle Internet GB for $82.31 settled on March 03, 2023. ICC date: March 10, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Filed Chargeback on March 13, 2023 with ROL Case #5250056364. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30178575. Dispute ID: 4c9663c5-fa47-4424-8a1d-b33a55467ae9. CH claimed (1) Service/Merchandise Not Received from AB * promsstyle Internet GB for $82.31 settled on March 03, 2023. ICC date: March 10, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on March 13, 2023 with ROL#5250056364. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30178587. Dispute ID: e6ff60c1-2fea-495d-a371-992d40db1e88. CH claimed (1) Cancellation from Google YouTube TV 650-2530000 CAUS for $54.99 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. PVC eligible. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 13, 2023 with ROL Case #5250074683. Will wait for 15 CD before filing a chargeback. Case ongoing.

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Lean Case ID: 30172166. Dispute ID: 56e84b58-5465-44ce-8918-450e41f74582. CH claimed (1) ATM Cash Partial/Not Dispensed from 6390 N STATE RD 7 COCONUT CREEKFLUS amounting to $40 settled on Feb 18, 2023. ICC date 2023-02-20. Reg E. OLD Account. PVC Issued on March 13, 2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Filed Chargeback on March 13, 2023 with ROL Case #5250074888. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30172016. Dispute ID: 1c25c51c-5de3-4d34-941f-18997f5a22ec. CH claimed (1) Charged Incorrect Amount from SPIRIT AIRL 48703366800800-7727117 FLUS amounting to $357.78 settled on Feb 09, 2023. ICC date 2023-02-27. Reg E. OLD Account. PVC Eligible. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

Lean Case ID: 30173103. Dispute ID: 5fdc1677-d16f-4076-bf73-bedfc8900f9f. CH claimed (1) Credit Not Posted from GOOGLE *Readom Globe g.co/helppay#CAUS amounting to $108.99 settled on Feb 26, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issued on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

Lean Case ID: 30173964. Dispute ID: 660ce537-a9c9-4663-8a3a-fecdd916232d. CH claimed (1) Cash Partial/Not Dispensed from AP *hhhouse store Hong Kong HK for $68.98 settled on January 13, 2023. ICC date: Mar 02, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/032023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

Lean Case ID: 30178599. Dispute ID: ff5353cf-47e0-4647-8f9e-c9910a1693f7. CH claimed (1) Cash Partial/Not dispensed from 15000 HWY 1247 SOUTH EUBANK KYUS for $153.00 settled on/March 03, 2023. ICC date: Mar 10, 2023. Reg E claim. New Account. Requested for PVC Issuance March 13, 2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Filed Chargeback on March 13, 2023 with ROL Case #5250165142. Merchant has 30 days to respond. Case ongoing.

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Lean Case ID: 30178634. Dispute ID: 7d650667-678f-45c1-b207-682f9a22a9bd. CH claimed (1) UT transaction from RENWICK ST CONVENIENCE NEWBURGH NYUS for $64.48 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 6436 is already deactivated. Card Status: Stolen. PIN Status: Written-Down. Card Present Transaction(s). INVESTIGATION No funding activity. No cash in/out. No spending nor behavioral pattern observed. No valid card-present transaction from the same card that has been captured. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. ATO/PII changes captured within the UT timeline. No sufficient denial reason. No CB rights due to Entry Mode: 07. FR done with VROL#5250186026. Therefore, Error found. Endorsed to Current Team for final letter and credit. Case closed.

Moto 7 Entry Mode 01

Lean Case ID: 30178654. Dispute ID: fbbaf33b-d779-47cb-91c7-2a13fd4a2c1c. CH claimed (1) UT transaction from IIQ*IDENTITYIQ.COM 877-8754347 NVUS for $34.99 settled on March 04, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. PVC Issued on March 13, 2023. No claim cancellation and No merchant credit received. Card ending in 3510 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has impact prior to the disputed transaction.. No cash in/out. No spending nor behavioral pattern observed. High balance after the disputed transaction. No previous transactions from the same merchant. Without 3rd party access. Initiated MCO via Identity IQ/877-8754347, Routed to IVR, unable to validate the disputed transaction/s. No enough evidence to deny the claim. Has CB rights. Filed Chargeback on March 13, 2023 with ROL Case #5250212115. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30168889. Dispute ID: 6c1a4cc9-c15d-4546-a68e-02dad754270a. CH claimed (1) Unauthorized Transaction from TST* Shoneys - Sumter Sumter SCUS amounting to $31.87 settled on Feb 17, 2023. ICC date 2023-02-20. Reg E. OLD Account. PVC Issuance on 1/23/2023. Card status: stolen. PIN status: memorized. Card not present transaction (Tokenize). Card status in MORTY: Card ending in 8122 has been DEACTIVATED. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Received client approval in denying the claim. Email was received coming from the client. Therefore, NO ERROR FOUND. FR done #5241094167. PVS Scheduled for reversal on March 13,2023. Case closed.

Lean Case ID: 30175098. Dispute ID: 1e3f3d27-1916-4e64-8e0d-61adb477f91f. CH claimed (1) ATM Cash Partial/Not Dispensed from 10105 224TH ST GRAHAM WAUS for $400.00 settled on Feb 28, 2023. ICC date Mar 04, 2023. Reg E claim. Old Account. No PVC issued. No claim cancellation and No merchant credit received. INVESTIGATION Received an approval from the client to deny the claim. Confirmed Reg-E player. Therefore, NO ERROR FOUND. Submitted a request to the Current team to send Final Letter Reporting. Case Closed.

CUID: Iy0QcdNKxP5g5OPOqhin5v5f6GqHmKII Disputed ID: 91c5afe0-460d-469e-9feb-888f0139d3d4 Dispute Type: UT LEAN Case ID: 30178556 Dispute Amount: $91.95

Moto 7 Entry Mode

Lean Case ID: 30178679. Dispute ID: 286c704e-5d17-474b-b1c6-c4f832848c82. CH claimed (3) Recategorize from Multiple Charged to Unauthorized Transaction from Amazon.com*H55KF2WX2 AMZN.COM/BILLWAUS for $539.40 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card Not Present Transaction. INVESTIGATION Request for additional information form dated March 14, 2023. Questions for the CH. "Are you in possession of your card?" "Have you ever authorized another person to use your card? If so, who?" "Have you ever shared your PIN with anyone else? If so, who?" "Where do you keep your PIN? Written-down or memorized?" Card ending in 6862 is still active. Request card closure on 03/14/2023. Case Ongoing.

CUID: uIBnNispzIVpzVPjPrFhSrQnOWeaKBpq DID: 286c704e-5d17-474b-b1c6-c4f832848c82 Dispute Type: UT Lean Case: 30178679 Amount: $539.40

Moto 2 Entry Mode 10

Lean Case ID: 30178704. Dispute ID: 07066fb4-1742-43de-96fc-c826286c9a2f. CH claimed (1) Cancellation from NUMBERGURU.COM 786-482-6779 NYUS for $29.99 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via NumberGuru 786-482-6779, routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 14, 2023 with ROL Case #5250581731. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30178772. Dispute ID: db43a4d5-28cd-4bce-ab97-0f52fbb04af9. CH claimed (1) Merchant Credit Not Posted from BLACK HAWK LIQUOR for $38.44 settled on March 10, 2022. Reg E claim. Old Account. No PVC Issuance. PTF claim. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional information form dated March 14, 2023. Question for the CH. "Date the refund/credit was supposed to arrive" "Copy of promised refund such as credit voucher or refund acknowledgement." Case Ongoing.

Lean Case ID: 30178718. Dispute ID: 7c1e7fe1-27e5-41c1-9ade-f1383a6d81b1. CH claimed (1) Cancellation from IC* INSTACARTSUBSCRIP HTTPSINSTACARCAUS for $99.00 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. No PVC Issuance. No claim cancellation and received Full Merchant Credit from IC INSTACART*SUBSCRIP HTTPSINSTACARCAUS amounting to $99.00, and settled on March 10, 2023 with TUID: omqlgFpajkfkg-DBpfCixyaBelb-woevybwfgceoa-kwyfxejsslnae. Error Found. Endorsed to Current Team for final letter. Case Closed.

Moto 7 Entry Mode 10

Lean Case ID: 30178796. Dispute ID: 040a0cf9-e4e5-4f9d-8610-1f68f1a1e63a. CH claimed (1) (UT transaction) from ( UBER* TRIP WWW.UBER.COM CAUS) for $39.99 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. Card ending in 5794 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. High balance after the disputed transaction. Without 3rd Party Access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 14, 2023 with ROL Case #5250633025. Merchant has 30 days to respond. Case ongoing.

Moto 7

Lean Case ID: 30178822. Dispute ID: 09f972fb-c696-4f76-acb2-afd0c95dd2a0. CH claimed (1) (UT transaction) from (SPOILEDCHILD 551-751-7495 NYUS) for $172.78 settled on March 10, 2023. ICC date: March 11, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. Card ending in 1828 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending pattern found. With suspicious declined transactions from the same merchant. Initiated MCO via SPOILEDCHILD 551-751-7495, Routed to IVR, unable to validate the disputed transaction/s. No sufficient denial reason. Has CB rights. Filed Chargeback on March 14, 2023 with ROL Case #5250652173. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30179360. Dispute ID: 669b90e6-a5bd-4b0c-91fb-08204ff998d0. CH claimed (1) (UT transaction) from (Amazon Prime*HG6P95UI0 Amzn.com/billWAUS) for $151.34 settled on March 12, 2023. ICC date: March 12, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. Card ending in 4820 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. No sufficient denial reason. Has CB rights. Filed Chargeback on March 14, 2023 with ROL Case #5250686664. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30179375. Dispute ID: 2c7af22e-e53e-4ee7-963c-105a3ca161e9. CH claimed (1) Service/Merchandise Not as Described from TEXAS ROADHOUSE #2458 TUSCALOOSA ALUS for $62.01 settled on March 12, 2023. ICC date: March 12, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via Texas Roadhouse +1 205-759-2596, Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 14, 2023 with ROL Case #5250698610. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30178740. Dispute ID: 8bd1fdf3-3697-4bed-b18b-0abe12351215. CH claimed (3) Service/Merchandise Not Received from METAPAY*Sara Baxter pay.fb.com CAUS for $63.00 settled on March 09, 2023. ICC date: March 10, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION As per Terms and Conditions by the merchant, under 11. Limitation of Liability; Disclaimers: The Platform Provider, will be solely responsible for investigating and resolving disputes (including returns and refunds of any goods or services purchased) with your customers; (c) Meta and its Affiliates are not and will not be responsible for any aspect of the products or services you sell; (d) Meta and its Affiliates are not and will not be responsible for the acts of your customers. Merchant stated on their terms and conditions that MetaPay is only a 3rd party who process the payment transaction. Link: https://webcache.googleusercontent.com/search?q=cache:ujpErROZNmoJ:https://transparency.fb.com/en-gb/policies/other-policies/meta-pay-terms-and-conditions/&cd=1&hl=en&ct=clnk&gl=ph. Therefore. No error found. Finalize this claim as denied. Endorsed to Current for sending of final letter. Case closed.

Lean Case ID: 30171366. Dispute ID: d42e8e1b-dd98-4806-9067-fa7ca7c7a318. CH claimed (1) Amount Discrepancy from BAMBOO TERRACE TUCSON AZUS amounting to $79.08 settled on Feb 24, 2023. ICC date 2023-02-26. Reg E. OLD Account. PVC Issued on 02/28/2023. No claim cancellation as of today. No merchant credit as of today. Representment received on 03/07/2023 with VROL #5243379601. As per the documents provided by the merchant, it shows the receipt has the correct amount and it has also the signature of the CH. CH has the consent with the full amount of the transaction. CH agree to pay the amount per the cardholder and/or merchant agreement. Therefore, No Error Found. PVC scheduled for reversal on March 14, 2023. Case Closed.

Lean Case ID: 30172051. Dispute ID: 8b567dda-994d-4ebd-b0fc-6582e0a72aad. CH claimed (1) Charged Incorrect Amount from QT 1464 OUTSIDE TUCSON AZUS amounting to $52.69 settled on Feb 16, 2023. ICC date 2023-02-27. Reg E. Old Account. PVC Issued on 03/01/2023. No claim cancellation as of today. No merchant credit as of today. Representment received on March 14, 2023 with VROL #5244133550. As per the documents sent by the merchant, the customer swiped card outside at a self-serve pump and dispensed fuel. CH was in control of his transaction from beginning to end. Merchant received a valid authorization code 071713. Merchant also provided the validated receipt of the transaction as well as the breakdown. Therefore, No Error Found. PVC scheduled for reversal on March 14, 2023. Case Closed.

Lean Case ID: 30172095. Dispute ID: 13b983fc-d71d-4701-982f-ef72df0231b2. CH claimed (1) Unauthorized Transaction from CHEESECAKE 143 ONLINE olo.com FLUS for $155.9 settled on Feb 25, 2023. ICC date Feb 27, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 01, 2023. No claim cancellation and No merchant credit received. Card ending in 4223 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). Representment received on March 11, 2023 with VROL (5244187164 ). There are no enough information from the documents provided by the merchant. There are no details of the CH in the documents and the reason why the representment has been denied. Pre-arb initiated on 03/14/2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID: 30172120. Dispute ID: 2424c4ab-1f14-4e57-b115-6a403b0b1892. CH claimed (1) Charged Incorrect Amount from CIRCLE K 00540 23055 H PLAQUEMINE LAUS amounting to $$70.47 settled on Feb 27, 2023. ICC date 2023-02-27. Reg E. OLD Account. PVC Issued on 03/01/2023. No claim cancellation as of today. No merchant credit as of today. Unable to file chargeback due to claim is below CB threshold. Therefore, ERROR FOUND. Endorsed to Current Team for final letter and credit. Case closed.

CARD NUMBER: 4115-6801-5490-6153

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26.99 - 382359157550413 5251250622 26.69 - 382357059114620 5251250623
49.99 - 302363386287321 - Moto 7 Entry Mode 01 5251250690

Lean Case ID: 30179392. Dispute ID: 3b8619d0-47e4-44ca-b19f-a4f2de938c5b. CH claimed (3) (UT transaction) from multiple merchants for $103.97 settled between December 22, 2022 & December 30, 2022. ICC date: March 12, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 6153 & 1649 are already deactivated. Card Status: Stolen. PIN Status: Memorized. Card Not Present Transaction & Card Present Transaction(s). INVESTIGATION CH mentioned that the card was stolen/lost, meanwhile, there are multiple valid undisputed card present transaction in between/after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within the vicinity of the previous valid undisputed card present transaction. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5251250690, 5251250623, 5251250622. Endorsed to Current Team for final letter. No credit issued. Case closed.

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Lean Case ID: 30179433. Dispute ID: ad914432-45fe-43f8-87d7-8ebbd458d3ed. CH claimed (1) (UT transaction) from (HS_TowerofFantasy Wan Chai HK) for $99.99 settled on March 11, 2023. ICC date: March 12, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 15, 2023. No claim cancellation and No merchant credit received. Card ending in 2448 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending nor behavioral pattern observed. No prior history. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. No MCO initiated, no phone number/toll-free available. No sufficient denial reason. No CB rights due to Entry Mode: 06. FR done with VROL#5251257670. Therefore, Error found. Endorsed to Current Team for final letter and credit. Case closed.

4115680287678935

Lean Case ID: 30179455. Dispute ID: 30532460-4df6-47b0-ad86-3fb19736e4df. CH claimed (1) (Multiple Charged) from (BOOST MOBILE 833-502-6678 COUS) for $57.00 settled on March 11, 2023. ICC date: March 12, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 15, 2023. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 15, 2023 with ROL Case #5251267399. Merchant has 30 days to respond. Case ongoing.

50- 5251279437 41.95 - 5251279472

Lean Case ID: 30178556. Dispute ID: 91c5afe0-460d-469e-9feb-888f0139d3d4. CH claimed (2) Unauthorized Transactions from multiple merchants for $91.95 settled on January 27, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 2122 has been deactivated. Card Stolen. PIN Status: Memorized. Card Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. Card present transaction happened within CH's vicinity. (8 minutes away from the address of the CH). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5251279437, 5251279472. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30168931). Dispute ID (da6cf17a-2f81-4013-867a-3d3575f3811d). CH claimed (1) (Service/Merchandise Not as Described) from (CRYSTAL SUITES HOUSTON TXUS) for $26.00 settled on February 19, 2023. ICC date: Feb 20, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 03/03/23 with VROL (5241120645). Merchant only provided receipt. Lack of evidence that the claim was invalid. Pre-arb initiated on March 15, 2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30168994). Dispute ID (6146ea1f-9c47-4d3b-bb33-c3972f522dda). CH claimed (1) (Cancellation) from (TU *TRANSUNION 800-493-3292 CAUS) for $29.95 settled on Feb 19, 2023. ICC date: Feb 20, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/23/2023. No claim cancellation and No merchant credit received. Chargeback requested on 02/23/2023 with ROL#5241143941. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated Feb 23, 2023 amounting to $29.95 is now final. Case Closed.

Lean Case ID (30169015). Dispute ID (2e5346ea-18d9-4d80-9eb5-e7024a9cd8c9). CH claimed (1) Service/Merchandise Not Received) from (HOTEL BOOKING GSPLTY HTTPSWWW.GOSPCTUS) for $346.99 settled on Feb 17, 2023. ICC date: FEb 20, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on 03/11/2023 with VROL (5241170451). As per merchant, the CH was not eligible for a refund on this transaction within the framework of the Terms of the merchant. The policy was made clear to the CH prior to their approval of this transaction. The CH was presented with the full booking details prior to approving the transaction. After the cardholder approved this transaction, we sent them an order confirmation email prior to their reservation being finalized. After the payment was completed, the cardholder was provided with a receipt of the transaction. The cardholder could not complete this transaction without agreeing to our Terms of Service. Both the phrases ‘Terms of Service’ and ‘Privacy Policy’ are clickable links which the cardholder could follow to see the full terms and privacy policy, which can be found at https://www.splitty.com/terms-and-conditions. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30169606. Dispute ID: 7ddf7230-bb9f-4ad0-bcd7-5a0bf0fdaf7f. CH claimed (1) ATM Cash Partial/Not Dispensed from 3090 N DYER BLVD KISSIMMEE FLUS amounting to $403.50 settled on Feb 22, 2023. ICC date 2023-02-22. Reg E. NEW Account. PVC Issued on 02/24/2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Initiated Chargeback on 02/24/2023 with ROL Case number: 5241717830 with Dispute Reason 0017. Case in progress.

Lean Case ID (30170766). Dispute ID (7286c5ed-9a5b-4477-89b5-32363718afa3). CH claimed (1) (Service/Merchandise Not Received) from (RH *pidgenyes.com Internet GB) for $29.99 settled on Feb 9, 2023. ICC date Feb 24, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on Feb 27, 2023 with ROL#5242969113. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30173012. Dispute ID: b4529972-91e0-4a5b-a0dc-a6845d5da322. CH claimed (1) Service/Merchandise Not Received from UBER EATS HELP.UBER.COMCAUS amounting to $28.37 settled on Feb 12, 2023. ICC date 2023-02-28. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on 03/13/2023 with VROL (5244646232). Based on the documents provided by the merchant, the goods were delivered to the shipping address of the CH. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30173078. Dispute ID: 1f76e92f-8e09-4feb-9335-f52f8741accf. CH claimed (7) Unauthorized Transaction from multiple merchants amounting to $101.41 settled on Jan 12, 2023 to Feb 26, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issued on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 1974 is showing: DEACTIVATED. Card status: lost. PIN status: memorized. Card not present transaction(s). Chargeback requested on 03/02/2023 with ROL#5244897031. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated 03/02/2023 amounting to $62.25 is now final. Case Closed.

30173078

Lean Case ID: 30174545. Dispute ID: 0e3165ed-bddf-4df3-8526-a36c11566387. CH claimed (1) Unauthorized Transaction from CITY OF BARTOW BARTOW FLUS amounting to $573.00 settled on Jan 18, 2023. ICC Date: March 03, 2023. Reg E. Old Account. No claim cancellation as of today. No merchant credit as of today. Card ending in 9433 is showing DEACTIVATED. Card Status: Lost. PIN Status: Memorized. Card present transaction(s). INVESTIGATION No funding activity. No cash in/out. No spending nor behavioral pattern observed. No valid card-present transaction from the same card that has been captured. No previous transactions from the same merchant. Without 3rd party access. No MCO initiated, no phone number/toll-free available. Filed Chargeback on March 15, 2023 with ROL Case #5251391674. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30179923). Dispute ID (3c81b516-b632-49f9-84cf-bbdb9601c4fe). CH claimed (1) Merchandise Credit Not Posted from SQ *OCEAN BREEZE AIRBRUPlant City FLUS for $44.00 settled on March 13, 2023. ICC date March 13, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional information form dated March 15, 2023. Question for the CH. "Date the refund/credit was supposed to arrive" "What is the cancellation number?" "Copy of promised refund such as credit voucher or refund acknowledgement." Case Ongoing.

Lean Case ID: 30179961. Dispute ID: 1f05b18b-aeb2-475a-8d7c-488dceda86fc. CH claimed (1) Unauthorized Transaction from TREND MALL HOUSTON TXUS amounting to $64.92 settled on March 12, 2023. ICC Date: March 13, 2023. Reg E. Old Account. No PVC Issued. No claim cancellation as of today. No merchant credit as of today. Card ending in 9454 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card present transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5251458400. Endorsed to Current Team for final letter. No credit issued. Case closed.

Moto 2

Lean Case ID (30179999). Dispute ID (7929d681-014e-4c27-bcb1-e5ff65144d50). CH claimed (1) (Cancellation) from (CLKBANKEnd of Trial 800-390-6035 IDUS) for $49.82 settled on March 12, 2023. ICC date: March 13, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 15, 2023. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via CLKBANKEnd of Trial 800-390-6035, Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 15, 2023 with ROL Case #5251494353. Merchant has 30 days to respond. Case ongoing.

Dispute ID: ac184209-682a-4268-a325-5c201ec0cf6a Lean Case # 30126371 ICC: 11/23/22. Recat case from UT to Merchandise Not As Described or Defective. CH Claimed 1 EA Merchandise Not As Described or Defective amounting to $41.00***INVESTIGATION: No claim cancellation. No merchant credit found. MCO initiated to VERILIFE VERILIFE - F BRONX NYUS +1 718-842-2001 spoke with Jasmine she stated that she has no access to pull up the disputed transaction of the CH. She advised me to email the company about the disputed claimed. CH account was suspended, as per Notes "User account closed. Reason: Disputes - Card Dispute Abuse." Unable to validate the disputed transaction. Hence, these gathered findings are insufficient to deny the claim. File CB with ROL CASE#: 2291871422. CASE ONGOING.

Lean Case ID (30126371). Dispute ID (ac184209-682a-4268-a325-5c201ec0cf6a). CH claimed (1) Service/Merchandise Not As Described from VERILIFE VERILIFE - F BRONX NYUS for $41.00 settled on November 23, 2022. ICC date November 23, 2022. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Since the claim has reached the resolution due, this claim is deem as NO ERROR FOUND. Endorsed to Current Team for final letter. Case Closed.

Dispute ID: e29ca10d-e707-4b95-a44c-106aa46ad7f3 Lean Case #30151499 ICC: 01/13/2023. CH Claimed 2 UT amounting to $443.60 ***INVESTIGATION: No claim cancellation. No merchant credit found. Card is already replaced. Card is in possession and PIN is "Memorized". Card absent transaction. Old Account. No funding activity. No cash in/out. No spending nor behavioral pattern observed. No MCO initiated as the merchant is part of the approved DNC list. Hence, these gathered findings are insufficient to deny the claim. Sent CB on (01/24/2023) with ROL Case # (5225673060). PC issued on 01/24/2023. Split the case due to split decision(30151500). Case Ongoing

Moto 1 Entry Mode 01

Lean Case ID (30180065). Dispute ID (a2dff83b-ed3b-4990-9d17-48d5c19c02fd). CH claimed (1) (UT transaction) from ( SmileDirectClub 800-8487566 TNUS) for $250.00 settled on Feb 26, 2023 . ICC date March 13, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 15, 2023. No claim cancellation and No merchant credit received. Card ending in 8477 is already deactivated. Card in Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending nor behavioral pattern observed. High balance after the disputed transaction. Without 3rd party access. Initiated MCO via SmileDirectClub 800-8487566, Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 15, 2023 with ROL Case #5251522427. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30174920. Dispute ID: 828dbc85-ef5c-4557-bdec-8268cf379251. CH claimed (1) ATM Cash Partial/Not Dispensed from 9201 PRESTON HWY LOUISVILLE KYUS for $80.00 settled on Feb 04, 2023 . ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/07/2023. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info, however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. PC scheduled for reversal. Case closed.

Lean Case ID: 30174630. Dispute ID: 52ee10ec-1d3c-4170-9467-a624fcdd526f. CH claimed (2) Cancellation from WALGREENS #7426 OPELOUSAS LAUS & WALGREENS STORE 410 CREOPELOUSAS LAUS for $72.63 settled between February 19, 2021 to February 21 , 2023. ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/07/2023. No claim cancellation and No merchant credit received. Representment received on March 14, 2023 with VROL (#5247162526). The document provided by the merchant doesn't show any information on how the claim was invalid. Merchant only sent a receipt details and chargeback details of the claim. Pre-arb initiated on March 15, 2023. Merchant has 30 days to respond. Case ongoing.

30176152

Lean Case ID: 30176152. Dispute ID: b5f60987-fdd2-4639-bb30-e51f0105f93d. CH claimed (1) Amount Discrepancy from HOMES TO SUITES BY HILTORLANDO FLUS for $78.38 settled on March 03, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Received an approval from the client to deny the claim. Confirmed Reg-E player. Therefore, NO ERROR FOUND. Submitted a request to the Current team to send Final Letter Reporting. Case Closed.

Lean Case ID: 30176160. Dispute ID: 22c7df8c-ff8c-44c4-a9bb-1a9b8202a030. CH claimed (1) Service/Merchandise Not Received from RH *paemag.com Internet GB for $52.34 settled on March 06, 2023. ICC date: March 06, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on March 08, 2023 with ROL#5247693868. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30176175. Dispute ID: bb5ce5f8-f53b-4037-85ac-71dad0efbd2f. CH claimed (1) Unauthorized Transaction from ACBBILL.COM 888-2030264 NYUS for $44.00 settled on March 02, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Issued on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 1951 is already deactivated and replaced. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Chargeback requested on March 08, 2023 with ROL#5247703446. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 08, 2023 amounting to $44.00 is now final. Case Closed.

Lean Case ID: 30176820. Dispute ID: f782643a-a79f-4fc7-8f38-a1b5b5b96490. CH claimed (1) Service/Merchandise Not Received from RED PRODUCTIONS & TA HTTPSWWW.INSTNJUS for $121.99 settled on March 07, 2023. ICC date: March 07, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Representment received on March 10, 2023 with VROL (#5248267031). As per merchant's Terms and Conditions under Refund Policy Discolsure, the refund policy was presented upon checkout before the customer clicked to purchase. The event had a strict NO REFUND policy which the customer was presented with on the event page description before making their decision to purchase. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID (30180107). Dispute ID (62b1304b-eaea-4d9f-b95d-4e4ce9505ec5). CH claimed (1) (Charged Twice) from (HOMEWOOD SUITES FT COLLFT COLLINS COUS) for $142.10 settled on March 12, 2023. ICC date: March 13, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and received Full Merchant Credit from HOMEWOOD SUITES FT COLLFT COLLINS COUS amounting to 142.10, and settled on March 14, 2023 with TUID: wBhDiDcvzobmi-nwtwAhcCAkaof-gojiopsCfnbwf-euasodozsqaoa. Error Found. Endorsed to Current Team for final letter. Case Closed.

Lean Case ID (30180123). Dispute ID (3cde921a-159e-4e95-a1a8-b60b6d9e573d). CH claimed (1) (UT transaction) from (APPLE.COM/BILL 866-712-7753 CAUS) for $26.65 settled on March 12, 2023 . ICC date March 13, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 16, 2023. No claim cancellation and No merchant credit received. Card ending in 6047 is already deactivated. Card in Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. No sufficient denial reason. Has CB rights. Filed Chargeback on March 15, 2023 with ROL Case #5251896303. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30180137). Dispute ID (047e8043-3850-4e9c-b73e-82429bb47a0e). CH claimed (1) (UT transaction) from (IRONBRIDGE SELF STORAGERICHMOND VAUS) for $280.00 settled on March 01, 2023 . ICC date March 13, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 16, 2023. No claim cancellation and No merchant credit received. Card ending in 4094 is already deactivated. Card in Possession. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending nor behavioral pattern observed. With suspicious declined transaction from the same merchant. Without 3rd party access. ATO/PII changes captured within the UT timeline. Initiated MCO via (Vigilant Self Storage of Ironbridge, +1 804-271-7323) , Routed to IVR, unable to validate the disputed transaction/s. No sufficient denial reason. Has CB rights. Filed Chargeback on March 16, 2023 with ROL Case #5251918756. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30180193. Dispute ID: 3d08334a-1ed4-4789-bfe2-9c75ce031dac. CH claimed (1) Merchant Credit Not Posted from DOORDASH*WNB FACTORY - WWW.DOORDASH.CAUS for $36.96 settled on March 12, 2023. Reg E claim. Old Account. No PVC Issuance. PTF claim. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional information form dated March 16, 2023. Question for the CH. "Date the refund/credit was supposed to arrive" "Copy of promised refund such as credit voucher or refund acknowledgement." Case Ongoing.

Lean Case ID (30180220). Dispute ID (f3aee0c3-1fb5-4d63-82bd-cb36a1463e16). CH claimed (1) Service/Merchandise Not Received from SP DIRE OFFICIAL DIRECLOTHING.ALUS for $207.00 settled on Feb 16, 2023. ICC date March 13, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Filed Chargeback on March 16, 2023 with ROL Case #5251935469. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30180242). Dispute ID (cfa575ba-d9a0-4719-b0ce-3129a70dfaf2). CH claimed (1) (UT transaction) from (MILLER S ALE HOUSE 010 PEMBROKE PINEFLUS) for $98.92 settled on March 02, 2023. ICC date March 13, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 9780 is already deactivated. Card is Lost. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION CH mentioned that the card was stolen/lost, meanwhile, there are multiple valid undisputed card present transaction in between/after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. Card present transaction happened within CH's vicinity. (6.1 miles & 15 minutes away from the location of the CH). Therefore, NO ERROR FOUND. Filed FR with ROL Case #5251962603. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30181090). Dispute ID (6361fad9-6218-4f33-9f02-b7e1b3e35891). CH claimed (1) (UT transaction) from (ROSS STORES #154 SAN JOSE CAUS) for $139.47 settled on March 15, 2023. ICC date March 15, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3994 is already replaced. Card is In Possession. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION Account was funded via Wallet amounting to $150.00 prior to the disputed transaction. The disputed transaction will not proceed if the funding did not occur. This indicates that the deposit has a great impact with the disputed transaction. Card present transaction happened within CH's vicinity. (Location of the merchant is 23 minutes 11.6 miles away from CH's location) No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5251990188. Endorsed to Current Team for final letter. No credit issued. Case closed.

Moto 2 Entry Mode 10

CUID: EosWuMcETAoJfvEHCpiMBkqzYImuInpF Disputed ID: da36464a-e181-4a77-a403-af8924566004 Dispute Type: UT LEAN Case ID: 30181115 Dispute Amount: $109.49

30177963

Lean Case ID (30181177). Dispute ID (6257e3b7-abe3-41dd-975f-63f239799b8e). CH claimed (1) (UT transaction) from (COMFORT INNS PEACHTREE CORGAUS) for $146.96 settled on March 15, 2023. ICC date March 15, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 0999 is already deactivated. Card is Lost. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. Card present transaction happened within CH's vicinity. (22 minutes 13.5 miles). All transactions are within CH’s typical spending activity. No ATO hallmarks. No suspicious declined transactions. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5252012689. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30181198). Dispute ID (67539c8f-83af-4624-827f-dbc66ea9d676). CH claimed (1) (UT transaction) from (G* GOAT843#62072 HTTPSWWW.GOATCAUS) for $333.98 settled on March 5, 2023. ICC date March 15, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 0281 is already deactivated. Card is Lost. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. All transactions are within CH’s typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT Timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5252026081. Endorsed to Current Team for final letter. No credit issued. Case closed.

5252026363 5252026364

Lean Case ID (30179904). Dispute ID (b9a79727-7634-40d0-90c8-237b2252b523). CH claimed (2) (UT transaction) from multiple merchants for $131.90 settled between Feb 24, 2023 to March 10, 2023. ICC date March 13, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3402 is already replaced. Card is In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5252026363, 5252026364. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID: 30176812. Dispute ID: 1d173dd4-8d32-42d9-8802-ad2f86160033. CH claimed (1) Amount Discrepancy from SP WRIST MAFIA HTTPSWRISTMAFCAUS for $40.57 settled on March 07, 20230. ICC date: March 07, 2023. Reg E claim. Old. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID: 30176832. Dispute ID: 614c2247-f312-4174-a0a4-f11e396787b0. CH claimed (1) Amount Discrepancy from TST* Ador Lounge Houston TXUS for $42.46 settled on March 02, 20230. ICC date: March 07, 2023. Reg E claim. Old. PVC Eligible. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Moto 7 Entry Mode 10

Lean Case ID (30181270). Dispute ID db8f88a6-ba69-46d2-987f-dcee17f631c2). CH claimed (1) (UT transaction) from CASH APP*KENRIC I M 8774174551 CAUS for $40.00 settled on Feb 13, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 6234 is already replaced. Card is In Possession. PIN Status: Written-Down. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5252118759. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30181320). Dispute ID (1f5b4bd0-0fc2-47ae-8786-9f293649a771). CH claimed (1) ATM Cash Partial/Not Dispensed from2525 S ALPINE RD ROCKFORD ILUS for $120.00 settled on March 15, 2023. ICC date March 15, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 16, 2023 . No claim cancellation and No merchant credit received. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Initiated Chargeback on March 16, 2023 with ROL Case number: 5252133799 with Dispute Reason 03. Case in progress.

Moto 7

Lean Case ID (30181334). Dispute ID: 01e2813f-5ee8-4ef4-8e44-9e2e61d00a5d. CH claimed (1) (UT transaction) from WAWA 5114 813-623-3295 FLUS for $35.74 settled on Feb 24, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 16, 2023. No claim cancellation and No merchant credit received. Card ending in 0090 is already deactivated. Card is Stolen. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending nor behavioral pattern observed. No previous transactions from the same merchant. Without 3rd party access. Initiated MCO via (WAWA 5114 813-623-3295), Routed to IVR, unable to validate the disputed transaction/s. No sufficient denial reason. Has CB rights. Filed Chargeback on March 16, 2023 with ROL Case #5252149741. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30181352). Dispute ID: 4541993b-c703-4776-87d5-67c723913d60. CH claimed (1) (UT transaction) from YSIMAA 866-6201130 TNUS for $60.00 settled on March 06, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 16, 2023. No claim cancellation and No merchant credit received. Card ending in 0090 is already deactivated. Card is Stolen. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No previous transactions from the same merchant. No spending nor behavioral pattern observed. Initiated MCO via (YSIMAA 866-6201130 ), Routed to IVR, unable to validate the disputed transaction/s. No sufficient denial reason. Has CB rights. Filed Chargeback on March 16, 2023 with ROL Case #5252168219. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30176875. Dispute ID: 8c15e427-42ad-417c-a38f-f54361a83821. CH claimed (1) Amount Discrepancy from DEVEAUX MINI MART 1 for $148.85 settled on Marc 25, 2022. ICC date: March 07, 2023. Reg E claim. Old Account. PTF claim. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. INVESTIGATION No recovery options. No MCO initiated, no phone number/toll-free available. No sufficient denial reason. No CB rights due to since this is a PTF Claim. Therefore, Error found. Endorsed to Current for Sending of Final letter and Final adjustments is now considered permanent. Case closed.

Lean Case ID: 30176893. Dispute ID: f5b931d4-6ffe-4fe6-9a89-fb462c493002. CH claimed (2) recategorize from Amount Discrepancy to ATM Cash Partial/Not Dispensed 172 S BELL SCHOOL RD ROCKFORD ILUS for $103.50 settled on March 07, 2023. ICC date: March 07, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID: 30177832. Dispute ID: 256e5374-02f1-4580-b1a3-cb52ad57158d. CH claimed (1) from ATM Cash Partial/Not Dispensed for $203.50 settled on March 03, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Received an approval from the client to deny the claim. Confirmed Reg-E player. Therefore, NO ERROR FOUND. Submitted a request to the Current team to send Final Letter Reporting. Case Closed.

Lean Case ID: 30174555. Dispute ID: df3d3b04-8829-47d4-8d08-5ed3aca3ff99. CH claimed (1) Cancellation from SOSMOOTHGANG.COM SOSMOOTHGANG.TXUS for $30.00 settled on Feb 04, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. PVC Eligible. No claim cancellation and No merchant credit received. INVESTIGATION Received an approval from the client to deny the claim. Confirmed Reg-E player. Therefore, NO ERROR FOUND. Submitted a request to the Current team to send Final Letter Reporting. Case Closed.

Moto 7

7.81 - 5252534181 5.00 - 21.99 21.98

Related case 5252534182,  Related case 5252534183,  Related case 5252534184

Lean Case ID (30182229). Dispute ID (478a489b-440c-4b58-abe1-f605f82c5b40). CH claimed (4) (UT transaction) from LYFT *RIDE TUE 11AM lyft.com CAUS & LYFT *RIDE WED 3PM lyft.com CAUS for $56.78 settled on March 16, 2023. ICC date March 16, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 1878 is already deactivated. Card is In Possession. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. High balance after the disputed transaction. Without 3rd party access. ATO/PII changes captured within the UT timeline. No MCO initiated as the merchant is part of the approved DNC list. All four claims are below threshold. No sufficient denial reason. FR done with VROL#5252534181, 5252534182, 5252534183, 5252534184. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed.

Moto Blank Entry 05 37.25 5252557794 2.30 5252557824 5252557605 Related case 5252557606, Related case 5252557608, Related case 5252557609

Lean Case ID (30182233). Dispute ID (03f45943-217a-464d-87e4-15895440705e). CH claimed (6) (UT transactions) from multiple merchants for $172.19 settled between March 14, 2023 & March 16, 2023. ICC date March 16, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 8003 is already deactivated. Card is LOST. Pin Status: Memorized. Card Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. All transactions are within CH's typical spending activity. Card present transaction happened within CH's vicinity. (16 minutes, 12.0 away from the location of the CH). Therefore, NO ERROR FOUND. Filed FR with ROL Case #5252557794, 5252557824, 5252557605, 5252557606, 5252557608, 5252557609. Endorsed to Current Team for final letter. No credit issued. Case closed.

114.66 5252580158 114.53 5252580175

Lean Case ID (30182244). Dispute ID (1546e1d8-c5fd-4085-b56c-71fc4a60ac84). CH claimed (2) (UT transactions) from WM SUPERC Wal-Mart Sup PICO RIVERA CAUS & THE HOME DEPOT #6684 WHITTIER CAUS for $229.19 settled on Feb 24, 2023. ICC date March 17, 2023. Reg E claim. New Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 5538 is already deactivated. Card is In Possession. Pin Status: Written-Down. Card Present Transaction. INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (5411) that indicates that the disputed transaction was made through an EMV Chip Card Read. Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. All transactions are within CH's typical spending activity. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #5252580158, 5252580175. Endorsed to Current Team for final letter. No credit issued. Case closed.

Moto 7 Entry Mode 10

Lean Case ID (30182246). Dispute ID (b9e759cc-3485-4aaa-84f0-71250c0f7ec2). CH claimed (5) (UT transactions) from UBER EATS HELP.UBER.COMCAUS & UBER* EATS HTTPSWWW.UBERCAUS for $138.90 settled between Feb 23, 2023 to March 14, 2023. ICC date March 17, 2023. Reg E claim. Old Account. PVC Issue on March 17, 2023. No claim cancellation and No merchant credit received for other transactions, received full merchant credit from UBER EATS HELP.UBER.COMCAUS amounting to $25.65 and settled on Feb 26, 2023 with TUID: snvudecBAaEud-xnddlfjiBzjsb-zlsgAfcFsBfkg-rnaaBwakcjvqh. Card ending in 7215 is already deactivated & card ending in 8986 is still active. Card is Stolen. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending nor behavioral pattern observed. Without 3rd party access. ATO/PII changes captured within the UT timeline. No MCO initiated as the merchant is part of the approved DNC list. Request card closure for card ending in 8986 on March 17, 2023. Filed Chargeback & FR on March 17, 2023 with ROL Case #5252642032, 5252642068, 5252642070, 5252642069, 5252642105. Merchant has 30 days to respond. Case ongoing.

30182247

Moto Blank Entry 05

26.68 - 5252764594 15.40 - 5252764691 281.99 - 5252764652

Lean Case ID (30182254). Dispute ID (b88ea7cd-e0d9-4303-9a2f-3df071f16617). CH claimed (3) (UT transactions) from (ABRAHAM SN LLC TOPEKA KSUS & PAI ISO TOPEKA KSUS) for $324.07 settled between March 16, 2023 to March 17, 2023. ICC date March 17, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3873 is already deactivated. Card is STOLEN. Pin Status: Written-Down. Card Present. EMV Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. High Balance after the disputed transaction. Without 3rd party access. ATO/PII changes captured within the UT timeline. No MCO initiated, no phone number/toll-free available. No sufficient denial reason. No Cb rights (Moto Blank, Entry05). FR done with VROL#5252764652, 5252764691, 5252764594. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case Closed.

Lean Case ID (30175069). Dispute ID (db0a464e-b192-4c99-bfc2-184921ca3b90). CH claimed (1) ATM Cash Partial/Not Dispensed from 102 S MAIN ST DAYTON TXUS for $142.50 settled on Feb 25, 2023. ICC date: March 03, 2023. Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on March 15, 2023 with VROL (#5247216809). As per the document presented by the merchant, it shows that the cash was dispensed. That includes the information of the dispensed amount, requested amount and the surcharge amount. Last 4 of the card number matches as well. Therefore, No Error Found. PVC scheduled for reversal on March 17, 2023. Case Closed.

Lean Case ID: 30174886. Dispute ID: ac3e49d4-8e7b-4816-bdc6-048eef317b79. CH claimed (3) ATM Cash Partial/Not Dispensed from multiple merchants amounting to $184.50 settled between Feb 23, 2023 & Feb 26, 2023. ICC date: March 03, 2023. Reg E. OLD Account. PVC Issued on 03/07/2023. No claim cancellation as of today. No merchant credit as of today. As per the document presented by the merchant, it shows that the cash was dispensed. That includes the information of the dispensed amount, requested amount and the date and time of the transaction. Card number matches as well. Therefore, No Error Found. PVC scheduled for reversal on March 17, 2023. Case Closed.

Lean Case ID: 30176859. Dispute ID: 5d2ca7a3-b83f-4ca3-b2dd-56118bb12dd0. CH claimed (1) Unauthorized Transaction from OVATION CREDIT SVCS INC866-639-3426 FLUS for $89.00 settled on March 07, 2023. ICC date: March 07, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/09/2023. No claim cancellation and No merchant credit received. Card ending in 8122 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Chargeback requested on March 09, 2023 with ROL#5248316846. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 09, 2023 amounting to $89.00 is now final. Case Closed.

Lean Case ID: 30177190. Dispute ID: cac6315f-f88c-4f4d-abfd-9c7eccca7b55. CH claimed (1) Unauthorized Transaction from PLAYSTATION NETWORK 800-345-7669 CAUS for $54.71 settled on March 08, 2023. ICC date: March 08, 2023. Reg E claim. Old Account. PVC Issued on 03/09/2023. No claim cancellation and No merchant credit received. Card ending in 9974 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Representment received on March 15, 2023 with VROL (#5248493535). Uncompelling evidence. Information of the customer didn't match in the documents presented by the merchant. Name, Address & Email Address didn't match. Pre-arb initiated on March 17, 2023. Merchant has 10 days to respond. Case ongoing.

2315459534

Lean Case ID: 30182979. Dispute ID: 2cfc985a-8de3-4aa0-b8df-506832f7f58c. CH claimed (1) Amount Discrepancy from ENTERPRISE RENT-A-CAR YUMA AZUS amounting to $440.88 settled on March 08, 2023. ICC date March 18, 2023. Reg E. OLD Account. PVC Issued on March 21, 2023. No claim cancellation as of today. No merchant credit as of today. INVESTIGATION Initiated MCO via (Enterprise Rent-A-Car, +1 928-344-5444), routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 21, 2023 with ROL Case #2315459534. Merchant has 30 days to respond. Case ongoing.

INVESTIGATION Initiated MCO via (Enterprise Rent-A-Car and +1 928-344-5444), Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on Mach 20, 2023 with ROL Case #______. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30183034). Dispute ID (6e5e4a7e-74e6-4f64-a6b9-06b9a3f4e51d). CH claimed (1) (UT transaction) from (GOOGLE *Tinder 855-836-3987 CAUS) for $80.99 settled on March 18, 2023. ICC date March 19, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 20, 2023. No claim cancellation and No merchant credit received. Card ending in 5289 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Not Present. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No previous transaction with the same merchant. With other suspicious declined transactions from the same merchant. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 20, 2023 with ROL Case #2314792353. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30183054). Dispute ID (055dd190-7876-4a06-afdd-3b46414f8f9d). CH claimed (1) (UT transaction) from ( QUICKMEDCARDS 207-6451645 FLUS) for $153.47 settled on March 01, 2023. ICC date March 19, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3213 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2314805610. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30183104). Dispute ID (64d4eb6e-6a14-4ac9-aa32-88f6fe97ba54). CH claimed (1) Service/Merchandise Not Received from (UBER *EATS HELP.UBER.CO800-5928996 CAUS) for $31.09 settled on March 15, 2023. ICC date March 19, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 20, 2023 with ROL Case #2314805871. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30183196). Dispute ID (1bcf0844-44ec-465f-b4cd-a4b1d06e4144). CH claimed (1) (UT transaction) from (1554 S FEDERAL HWY DANIA BEACH FLUS) for $203.50 settled on March 19, 2023. ICC date March 19, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 0033 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (6011) that indicates that the disputed transaction was made through an EMV Chip Card Read. Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. Funding event on the same day from Cash Vanilla Deposit prior the disputed transaction which suggest CH anticipated the transaction and aware of balance on the account. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2314825656. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30183224). Dispute ID (b24fb0d1-fa5b-4381-9e82-b79a387fa447). CH claimed (1) (UT transaction) from (GRENADA MAIN) for $302.50 settled on March 19, 2023. ICC date March 19, 2023. Reg E claim. Old Account. PTF claim. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3485 is already deactivated. Card Status: Stolen. PIN Status: Written-Down. Card Present Transaction(s). INVESTIGATION CH mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transaction after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. Transaction is within CH's typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Unable to file FR due to unavailable PAN in Morty.

Lean Case ID (30183244). Dispute ID (4d587f36-9e6b-4cec-894d-e8f55812672f). CH claimed 1) (Amount Discrepancy) from (PANDA EXPRESS #1552 WALNUT PARK CAUS) for $26.23 settled on March 19, 2023. ICC date March 19, 2023. Reg E claim. Old Account. NO PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION There are multiple disputes in total in CH's account. These are signs of a REG-E Player. CH reported as a dispute abuser with the same dispute type. Escalated to Current Team, advised to deny the claim. Possible Reg-E player. Case ongoing.

CUID: LvvOyrplqTYQxTjxdpNmPpRjMxaCeeMh DID: 4d587f36-9e6b-4cec-894d-e8f55812672f Amounting: $26.23 Dispute type: Amount Discrepancy Lean case: 30183244

4758330005281818 2314892660 2314892661

Lean Case ID (30183149). Dispute ID (4f26f803-600a-4bd5-a273-73e8c8c90e01). CH claimed (2) (UT transaction) from (PWIADVICE.COM 877-711-7334 CAUS & ADLTIME1.COM HAARLEM NL) for $49.90 settled on March 19, 2023. ICC date March 19, 2023. Reg E claim. Old Account. PTF claim. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 1818 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION With prior history with the merchant. No ATO hallmarks/PII changes within the UT timeline. MCO conducted on March 20, 2023. Was able to speak with a live agent. Confirmed that the information of the CH matches in their file. Name, phone number, first 6 digits and last 4 digits of the card & email address matches. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2314892660, 2314892661. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30181115). Dispute ID (da36464a-e181-4a77-a403-af8924566004). CH claimed (1) (UT transaction) from (Microsoft*Subscription msbill.info WAUS) for $109.49 settled on March 15, 2023. ICC date March 15, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 5753 is now deactivated. Card is In Possession. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATON Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2314892927. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID: 30178044. Dispute ID: 3d669423-2418-4a68-94d0-b278c6d48e35. CH claimed (1) Amount Discrepancy from AMERICAN AUTO STORAGE HOUSTON TXUS for $283.95 settled on March 08, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID (30163724). Dispute ID (f8a3062b-b19d-4333-8459-bae0ab946825). CH claimed (1) Cancellation from SUDS CAR WASH - ASHLANDASHLAND KYUS for $39.99 settled on Feb 03, 2023. ICC date Feb 08, 2023. Reg E claim. Old Account. Requested for PVC Issuance on Feb 13, 2023. No claim cancellation and No merchant credit received. Chargeback requested on Feb 13, 2023 with ROL#5235942115. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID (30166971). Dispute ID (84719750-16f9-42fa-bf32-a1a7465bfb7f). CH claimed (1) Service/Merchadise Not Received from HOMECLICK HTTPSKANUSTU.INUS for $147.81 settled on January 24, 2023. ICC date: Feb 15, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on March 20, 2023 with VROL (#5239595020). Merchant failed to provide if the item or the refund has been processed already Initially, the CH was asking for the refund from the merchant she didn't receive. Pre-arb initiated on March 20, 2023. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30168116). Dispute ID (c5157890-6263-4d66-a2c5-9e04ea6d16e9). CH claimed (1) (Service/Merchandise Not Received) from ( CHEVRON 0372936 TUPELO MSUS) for $27.09 settled on Feb 03, 2023. ICC date Feb 18, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on Feb 22, 2023 with ROL#5240423386. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30173824. Dispute ID: 0ffa5f1a-5425-4a3e-b5fb-583eafb9e74a. CH claimed (1) ATM Cash Partial/Not Dispensed from 426 Bacon Rd Painesville OHUS amounting to $202.25 settled on Feb 17, 2023. ICC date Mar 01, 2023. Reg E. OLD Account. PVC Issued on 03/03/2023. No Claim Cancellation as of today. No merchant credit as of today. Representment received on March 17, 2023 with VROL (#5245251802). As per the documents provided by the merchant, it shows that the CH was able to get the full withdrawal amount. On the receipt, it also shows the last 4 digits of the card used. Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

Lean Case ID: 30173893. Dispute ID: e26f9a55-1f35-4627-a712-15ff68007389. CH claimed (1) Unauthorized Transaction from PAYPAL *CUIYANYANPP 4029357733 HK amounting to $389.00 settled on Feb 27, 2023. ICC date: Mar 02, 2023. Reg E. Old Account. PVC Issued on 03/03/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 0047 is showing: DEACTIVATED. Card status: Lost. PIN status: memorized. Card not present transaction(s). Representment received on March 20, 2023 with VROL (#5245381548). As per the documents provided by the merchant, the shipping and the billing address are the same. It indicates that the account holder and the owner are the same person. The name, address and expiration date match that of the CH's and was confirmed. . Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

Lean Case ID: 30173850. Dispute ID: a18d906f-401a-4699-860d-37bf1bbc2587. CH claimed (1) Unauthorized Transaction from multiple merchants amounting to 327.21 settled on Feb 26, 2023. ICC Date: March 01, 2023. Reg E. Old Account. PVC Issued on 03/03/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 6773 is showing DEACTIVATED. Card Status: Stolen. PIN Status: Memorized. Card not present transaction(s). Representment received on March 19, 2023 with VROL (#5245523887). As per the documents provided by the merchant, the name of the CH didn't match. It's very important that the name should be matching on both documents. Pre-arb initiated on March 20, 2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID (30170646). Dispute ID (4ba14bc3-4562-45a3-9f0b-01ffd516be32). CH claimed (1) Amount Discrepancy from WM SUPERC Wal-Mart Sup YOUNGSTOWN OHUS for $668.74 settled on 02/23/23. ICC date 02/24/23. Reg E claim. Old Account. Requested for PVC Issuance on 03/10/23. No claim cancellation and No merchant credit received. Representment received on March 20, 2023 with VROL (5246335834 ). Based on the documents provided by the merchant, the breakdown shows that the charge on the CH was indeed correct. Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

Lean Case ID: 30174556. Dispute ID: a7fabdd8-3fee-4dcf-91dc-45dfddc541b3. CH claimed (1) Cancellation from SOSMOOTHGANG.COM SOSMOOTHGANG.TXUS for $30.00 settled on Feb 25, 2023. ICC date: March 03, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/06/2023. No claim cancellation and No merchant credit received. Representment received on March 18, 2023 with VROL (#5246350807). Based on the documents provided by the merchant, the CH purchase a digital ticket to be entered for a chance to win valuable items off the website of the merchant. There was no refund policy stated on the website. Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

Lean Case ID: 30174632. Dispute ID: 78a07884-eee7-4720-9d34-adf01e2d6f65. CH claimed (1) Service/Merchandise Not Received from USPS PO 21599313 522 CHMELVILLE LAUS for $301.75 settled on Feb 22, 2023. ICC date: March 03, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Representment received on March 13, 2023 with VROL (#5246409493). As per the documents provided by the merchant, the CH purchased Postal Money Order and as per records, it was cashed. The money order has been cashed already. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30174672. Dispute ID: d919324e-1bd9-4ce4-9b69-7811b8290c06. CH claimed (7) Unauthorized Transaction from multiple merchants amounting to $145.00 settled on March 03, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 4128 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). Chargeback requested on March 16, 2023 with ROL#5246425894. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 20, 2023 amounting to $45.00 is now final. Case Closed.

Lean Case ID: 30174715. Dispute ID:b45b27af-28e5-47be-bf4f-44e3d35714b5. CH claimed (1) Unauthorized Transaction from CASH APPWHITNEYAD 8774174551 CAUS amounting to $320.00 settled on February 19, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 3309 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). Representment received on March 17, 2023 with VROL (#5246453062). As per the documents provided by the merchant, the CH previously made the following 3 non-disputed transactions with the same PAN on their Cash App Account dating back to 2023-03-23 more than 5 days ago. The payment was successfully authorized by the issuer and Cash App completed the transfer of funds. Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

Lean Case ID: 30176305. Dispute ID: 50809ae3-e509-4ace-8584-822562d5e6f7. CH claimed (3) Unauthorized Transaction from CASH APP*ANTOINETTE 8774174551 CAUS for $959.65 settled on March 01, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Issued on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 0545 is already deactivated. Card Status: Stolen. Pin Status: Written-Down. Card Not Present Transaction(s). Representment received on March 20,2023 with VROL (#5247836538, 5247836540, 5247836539). Based on the documents provided by the merchant, the payment was successfully authorized by the issuer and Cash App completed the funds. Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

Lean Case ID: 30177936. Dispute ID: bf097f16-3de0-4087-975a-afe1f86baba0. CH claimed (2) Unauthorized Transaction from APPLE CASH 1INFINITELOOPCAUS for $1492.00 settled on March 09, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 5128 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). Representment received on March 17, 2023 with VROL (#5249065350, 5249065411). As per the documents provided by the merchant, when a customer pays with Apple Pay, they use a biometric authorization - Face ID, Touch ID, or Passcode. FaceID/TouchID/Passcode were used to authenticate the transaction of the CH. Therefore, No Error Found. PVC scheduled for reversal on March 20, 2023. Case Closed.

March 09 March 16 Moto 7

CUID: hRwHcYXmxxDecSpEOoubRZdZBktrwcUV Dispute ID: 9607e4ba-5d93-4442-b655-4175c8eb60e0 Lean Case: 30182959 Dispute Type: Unauthorized Transaction Amount: $341.11

2315402479 - 6.99 2315402480 - 1.00 2315415254 - 29.17 2315424073 - 145.00 2315424092 - 149.00 2315424160 - 9.95

Lean Case ID (30182959). Dispute ID (9607e4ba-5d93-4442-b655-4175c8eb60e0). CH claimed (6) (UT transactions) from (multiple merchants) for $341.11 settled between March 09, 2023 to March 16, 2023. ICC date March 18, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 21, 2023. No claim cancellation and No merchant credit received. Card ending in 9340 is already deactivated & card ending in 0060 is still active. Card Status: In Possession and PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION Card ending in 0060 is still active. Request card closure on March 21, 2023. No funding event that has an impact prior to the disputed transaction. High balance after the disputed transaction. No previous transactions from the same merchant. Without 3rd party access. No enough evidence to deny the claim. Initiated MCO via VISUALV2, 800-4856675, routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback & FR on March 21, 2023 with ROL Case #2315402479, 2315402480, 2315415254, 2315424073, 2315424092, 2315424160. Merchant has 30 days to respond. Case ongoing.

2315444258 2315444259 2315444283

Lean Case ID (30183003). Dispute ID (770f93d7-c438-447d-afdf-307a310cde6d). CH claimed (3) (UT transactions) from (multiple merchants) for $537.19 settled between March 10, 2023 to March 11, 2023. ICC date March 18, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3058 is already deactivated. Card Status: In Possession and PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (5411) that indicates that the disputed transaction was made through an EMV Chip Card Read. Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. Card present transaction happened within CH's vicinity. (16 minutes/ 9.5 miles away from the location of the CH). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2315444258, 2315444259, 2315444283. Endorsed to Current Team for final letter. No credit issued. Case closed.

CUID: dXjzzKS3Vwt5NgJzHKP5JGidgpVE6Ztb Dispute ID: 2ccb9026-209b-416e-ab03-f34c91e050f7 Lean Case: 30183078 Dispute Type: Unauthorized Transaction Amount: $450.70 Related case 2315473132, Related case 2315473133 2315473131

Moto Blank

Lean Case ID (30183078). Dispute ID (2ccb9026-209b-416e-ab03-f34c91e050f7). CH claimed (3) (UT transactions) from (multiple merchants) for $450.70 settled on March 18, 2023. ICC date March 19, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 2420 is still active. Card Status: In Possession and PIN Status: Memorized. Card Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. All transactions are within CH's typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2315473132, 2315473133, 2315473131. Request card closure on March 21, 2023. Endorsed to Current Team for final letter. No credit issued. Case closed.

March 10 4115-6801-5510-3388 2315488816 Related case 2315488817, Related case 2315488818, Related case 2315488819

Lean Case ID (30183126). Dispute ID (f5e8e5aa-9aac-4550-83d2-7cba13c4a961). CH claimed (4) (UT transactions) from (multiple merchants) for $86.69 settled between March 09, 2023 to March 10, 2023. ICC date March 19, 2023. Reg E claim. New Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3388 has been deactivated. Card Status: In Possession and PIN Status: Written-Down. Card Not Present & EMV Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2315488817, 2315488818, 2315488819. Endorsed to Current Team for final letter. No credit issued. Case closed.

975742788 975742788

2315516478

Lean Case ID (30183166). Dispute ID (83010a82-0def-46fa-bde9-a1b2e4b0e27c). CH claimed (2) (UT transactions) from FAMILY DOLLAR # BROOKLYN NYUS & FLY HIGH BROOKLYN NYUS for $78.85 settled between December 2, 2022 to March 14, 2023. ICC date March 19, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 2504 has been deactivated. Card Status: Stolen and PIN Status: Written-Down. Card Present/EMV Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. CH mentioned that the card was in possession, meanwhile, the transaction is card present with no CB rights. Moto/E-Commerce Ind: Blank | Entry Mode: 05 | MCC: (5993) that indicates that the disputed transaction was made through an EMV Chip Card Read. Terminal Entry Capability 5 and Chip Data Service Code: 201. No indication of third-party use or lost then found. No evidence of card separation. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2315516478, 2315529127. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30183268). Dispute ID (2a83b741-c7c9-4c69-b6ed-dc38903afa57). CH claimed (1) (UT transaction) from SHOPIFY* 172946245 HTTPSSHOPIFY.ILUS for $29.00 settled on March 16, 2023. ICC date March 19, 2023. Reg E claim. Old Account. PVC Issuance Requested on March 21, 2023. No claim cancellation and No merchant credit received. Card ending in 9202 has been deactivated. Card Status: In Possession and PIN Status: Memorized. Card Not Present(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No cash in/out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 21, 2023 with ROL Case #2315542665. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30183304). Dispute ID (66f08d75-53f2-459f-bed6-22a76d87d83f). CH claimed (1) ATM Cash Partial/Not Dispensed from 750 13TH ST STE A7 IMPERIAL BEACCAUS for $202.50 settled on March 18, 2023. ICC date March 19, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 21, 2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Filed Chargeback on March 21, 2023 with ROL Case #2315558027. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30183244). Dispute ID (4d587f36-9e6b-4cec-894d-e8f55812672f). CH claimed 1) (Amount Discrepancy) from (PANDA EXPRESS #1552 WALNUT PARK CAUS) for $26.23 settled on March 19, 2023. ICC date March 19, 2023. Reg E claim. Old Account. NO PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Received an approval from the client to deny the claim. Confirmed Reg-E player. Therefore, NO ERROR FOUND. Submitted a request to the Current team to send Final Letter Reporting. Case Closed.

463069475179495 - 2315573209 583069475178388 - 2315573208 463069475177923 - 2315573210

Lean Case ID: 30178679. Dispute ID: 286c704e-5d17-474b-b1c6-c4f832848c82. CH claimed (3) Recategorize from Multiple Charged to Unauthorized Transaction from Amazon.com*H55KF2WX2 AMZN.COM/BILLWAUS for $539.40 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 6862 has been deactivated. CH wasn't able to answer all the necessary questions from add info. Other card details are unidentifiable Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No cash in/out. No spending nor behavioral pattern observed. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 21, 2023 with ROL Case #2315573209, 2315573208, 2315573210. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30178772. Dispute ID: db43a4d5-28cd-4bce-ab97-0f52fbb04af9. CH claimed (1) Merchant Credit Not Posted from BLACK HAWK LIQUOR for $38.44 settled on March 10, 2022. Reg E claim. Old Account. No PVC Issuance. PTF claim. No claim cancellation and No merchant credit received. Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID (30165541). Dispute ID (d18f5c28-3ba1-4614-abdc-0c8dc97ab494). CH claimed (1) Service/Merchandise Not Received from (LITTLE CAESARS 1734 708-396-8571 ILUS) for $49.92 settled on Feb 11, 2023. ICC date Feb 12, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on Feb 16, 2023 with ROL#5237852964. Chargeback won. *Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30169875. Dispute ID: 7d308165-9176-428b-a197-a36cb58ca0c6. CH claimed (1) Service/Merchandise Not Received from G* GOAT989#86537 HTTPSWWW.GOATCAUS amounting to $331.65 settled on Feb 04, 2023. ICC date 2023-02-22. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on March 21, 2023 with VROL (#5241877863). As per the documents provided by the merchant, the CH can sign an affidavit to start a missing package claim. The merchant will assist the CH in filing a missing package investigation with the courier on his behalf. Approved claims may be refunded by the merchant in a form of credit to be used towards a future purchase. The merchant has the right to deny any claim or request for refund in connection with a pattern of fraudulent user behavior that the merchant determines. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30171506. Dispute ID: 9d292e74-8e75-4c9d-b2a3-a8679e1a138c. CH claimed (7) Unauthorized Transaction from ONLYFANS.COM*A 8886880458 FLUS amounting to $147.97 settled on Feb 24, 2023 to Feb 25, 2023. ICC date 2023-02-26. Reg E. OLD Account. PVC Issued on Feb 28, 2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 9613 is showing: DEACTIVATED. Card status: in possession. PIN status: memorized. Card not present transaction(s). Representment received on March 21, 2023 with VROL (#5243618471, 5243618472, 5243618473, 5243618474, 5243618475, 5243618476, 5243618477). As per the documents provided by the merchant, the transactions had been properly authorized per all processing guidelines of the merchant. The name, Billing Address & the Email Address matches from the documents shown by the merchant. Record of the date and time the goods were purchased and downloaded by the cardholder. Therefore, No Error Found. PVC scheduled for reversal on March 21, 2023. Case Closed.

Lean Case ID: 30172843. Dispute ID: 2e1dd4f9-68fb-4815-a600-833220c471c1. CH claimed (1) Service/Merchandise Not Received from SHEIN.COM 844-8022500 CAUS amounting to $137.30 settled on Feb 17, 2023. ICC date 2023-02-28. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on March 21, 2023 with VROL (#5244622111). Based on the documents present by the merchant, it shows the tracking details of the package. It shows that the package has been delivered to the correct SHIPPING ADDRESS of the CH. The package was left a the front door of the CH. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

2315675192 Lean Case ID (30183867). Dispute ID (e945dcad-1e7a-41a3-a1e6-41d6f010ead5). CH claimed (1) ATM Cash Not Dispensed from 898 HORIZON SOUTH P GROVETOWN GAUS for $400.00 settled on March 20, 2023. ICC date March 20, 2023. Reg E claim. [Old or New Account]. Requested for PVC Issuance on March 21, 2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Filed Chargeback on March 21, 2023 with ROL Case #2315675192. Merchant has 30 days to respond. Case ongoing.

2315686184

Lean Case ID (30183913). Dispute ID (949073df-3a7d-41f7-b35d-b8894dc4cf67). CH claimed (1) (UT transaction) from (SKIDAWAY LIQUOR CENTER SAVANNAH GAUS) for $192.53 settled on March 19, 2023. ICC date March 20, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 6625 is already deactivated. Card Status: Stolen. Pin Status: Memorized. Card Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. All transactions are within CH's typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2315686184. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30183936). Dispute ID (42e7dae3-fd65-4ada-9fa7-5f2edf9d2914). CH claimed (1) (UT transaction) from (PRICELN*QUALITY INN 203-299-8000 CTUS) for $320.85 settled on March 19, 2023. ICC date March 20, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 21, 2023. No claim cancellation and No merchant credit received. Card ending in 4687 is already deactivated. Card Status: In Possession. Pin Status: Written-Down. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No spending nor behavioral pattern observed. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. ATO/PII changes captured within the UT timeline. Initiated MCO on March 21, 2023. Was able to connect with a live agent. Agent unable to confirm the information of the customer because of privacy reasons. No sufficient denial reasons to deny the claim. Filed Chargeback on March 21, 2023 with ROL Case #2315720605. Merchant has 30 days to respond. Case ongoing.

2315720872 2315720873

Lean Case ID (30183894). Dispute ID (f9f806ec-ca3d-496e-91a2-7ad4bdd313a7). CH claimed (2) (UT transactions) from (APPLE CASH 1INFINITELOOPCAUS) for $70.00 settled on March 20, 2023. ICC date March 20, 2023. Reg E claim. New Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 1333 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. Balance was enough to cover the transaction and no prior history of CH’s exhausting her account’s spending limit. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2315720872, 2315720873. Endorsed to Current Team for final letter. No credit issued. Case closed.

4115-6801-7715-1902

Moto 7

Lean Case ID (30184027). Dispute ID (d085be57-b33a-4cd6-a232-fc1dca87a231). CH claimed (1) (UT transaction) from (Revolut4354) for $814.00 settled on April 27, 2022. ICC date March 21, 2023. Reg E claim. Old Account. No PVC Issued. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 1902 is already deactivated. Card Status: Lost. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION Transaction is a PTF Claim. Upon thorough investigation, the CH had a prior history with the merchant. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316045055. Endorsed to Current Team for final letter. No credit issued. Case closed.

2316045480 2316059507

Lean Case ID (30184048). Dispute ID (8180e1d5-68c9-4f15-a3f3-45d93440f41a). CH claimed (3) (UT transactions) from (multiple merchants) for $872.26 settled on April 27, 2022. ICC date March 21, 2023. Reg E claim. Old Account. No PVC Issued. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 7370 is still active. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION Transactions are PTF Claim. Upon thorough investigation, CH has been transacting with the disputed merchant since May 06, 2020 until the disputed transaction considered as spending pattern. With previous and succeeding transactions from the same merchant that were not disputed. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316045480, 2316059507. Unable to file FR for transaction amounting to $2.26. Unable to find the ARN of the transaction. Card ending in 7370 is still active. Request card closure on March 22, 2023. Case ongoing.

Moto 7

Lean Case ID (30184079). Dispute ID (936d5bba-e4e0-4d19-823c-f2ea06da7a7b). CH claimed (1) (UT transaction) from (CASH APPSTITCHADD 8774174551 CAUS) for $762.00 settled on March 18, 2023. ICC date March 21, 2023. Reg E claim. Old Account. Request for PVC Issuance on March 22, 2023. No claim cancellation and No merchant credit received. Card ending in 3594 is now deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No cash in/out. Without 3rd party access. ATO/PII changes captured within the UT timeline. No MCO initiated as the merchant is part of the approved DNC list. No enough evidence to deny the claim. Has CB rights. Filed Chargeback on March 22, 2023 with ROL Case #2316075159. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30184102). Dispute ID (96a3b67c-057e-48e0-aaec-2acfc69f77d9). CH claimed (1) Merchandise Credit Not Posted from PAYPAL *RICHEMONTNO 682-429-4461 NYUS for $1254.83 settled on January 15, 2023. ICC date March 21, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional Information Form dated March 22, 2023. Ask the CH "Date the refund was supposed to arrive?" "Amount of the refund?" "Send copy of promised refund such as credit voucher or refund acknowledgement" Case ongoing.

Lean Case ID (30184150). Dispute ID (0e15d94d-0be9-4e7a-83d5-5b216764d765). CH claimed (1) (UT transaction) from (MONZO* TOP UP HTTPSMONZO.COCAUS) for $314.00 settled on Feb 16, 2023. ICC date March 21, 2023. Reg E claim. Old Account. Request for PVC Issuance on March 22, 2023. No claim cancellation and No merchant credit received. Card ending in 2039 is now deactivated. Card Status: Stolen. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No spending nor behavioral pattern observed. No previous transactions from the same merchant. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 22, 2023 with ROL Case #2316119058. Merchant has 30 days to respond. Case ongoing.

259.88 50.13 52.66 57.93 23.29 200.32

2316142510 Related case 2316142511, Related case 2316142512

Lean Case ID (30183998). Dispute ID (4aeadb0e-13bf-42ce-81cf-743574481b55). CH claimed (6) (UT transaction) from (multiple merchants) for $644.21 settled between Feb 23, 2023 to March 13, 2023. ICC date March 21, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 3481 is now deactivated. Card Status: Lost. Pin Status: Written-Down. Card Present & EMV Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316142510, 2316142511, 2316142512, 2316142546, 2316142575, 2316142607. Endorsed to Current Team for final letter. No credit issued. Case closed.

2316142859

Lean Case ID (30184009). Dispute ID (1f71c670-3d4d-452d-8f1c-c3ad85704fe1). CH claimed (2) (UT transactions) from (AVIAGAMES INC 6072297810 CAUS) for $399.99 settled on Feb 21, 2023. ICC date March 21, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 5481 is now deactivated. Card Status: In Possession. Pin Status: Written-Down. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. CH has been transacting with the disputed merchant since July 22, 2022 until the disputed transaction considered as spending pattern. All transactions are within CH's typical spending activity. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316142860, 2316142859. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30184176). Dispute ID (edc90e82-bc8d-49dd-9a48-1927aa5c91ff). CH claimed (1) (Service/Merchandise Not Received) from (RH *eleaide.com Internet GB) for $33.96 settled on March 07, 2023. ICC date March 21, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 22, 2023 with ROL Case #2316157745. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30151499). Dispute ID (e29ca10d-e707-4b95-a44c-106aa46ad7f3). CH claimed (1) (UT transaction) from (PAYPAL *1090869069 4029357733 HK) for $275.00 settled on December 21, 2022. ICC date January 13, 2023. Reg E claim. Old Account. Requested PVC Issuance on January 24, 2023. No claim cancellation and No merchant credit received. Card ending in 5211 is now deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Chargeback requested on January 24, 2023 with ROL#5225673060. Chargeback won. Timeframe expired: If the merchant failed to provide response within 30 Calendar days from the Chargeback initiated date. Error found. Provisional credit issued dated January 24, 2023 amounting to $275.00 is now final. Case Closed.

Lean Case ID (30156136). Dispute ID (12b4c29f-4c1d-41db-84ac-25c61992c5ee). CH claimed (1) (Dispute Type) from (SP BEARDLAUNCH HTTPSBEARDLAUNYUS) for $33.97 settled on January 14, 2023. ICC date January 23, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Representment received on Feb 28, 2023 with VROL (#5230077676). As per the documents provided by the merchant, it shows that the package has been delivered to the correct SHIPPING ADDRESS of the CH. Merchant provided the tracking details of the package to the CH. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID (30146035). Dispute ID (35be2b43-97a7-4ec9-a8a4-714df77ad569). CH claimed (1) (Amount Discrepancy) from (GAMESTOP #6321 16601 CHSHAKER HEIGHTOHUS) for $318.58 settled on December 31, 2022. ICC date December 31, 2022. Reg E claim. Old Account. Requested for PVC Issuance on January 12, 2023. No claim cancellation and No merchant credit received. Chargeback requested on January 12, 2023 with ROL#2309610167. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated January 12, 2023 amounting to $63.58 is now final. Case Closed.

Lean Case ID (30159280). Dispute ID (d7ca0ba2-3fc5-4adf-87d1-2546de6e7b3c). CH claimed (2) Charged Twice from (PIZZA HUT 032245 https://ipchaTXUS) for $84.38 settled on January 28, 2023. ICC date Feb 07, 2023. Reg E claim. Old Account. Requested for PVC Issuance on Feb 07, 2023. No claim cancellation and No merchant credit received. Chargeback requested on Feb 07, 2023 with ROL#5232973178. Chargeback won Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated Feb 07, 2023 amounting to $84.38 is now final. Case Closed.

Lean Case ID (30184359). Dispute ID (25d3cdc8-3073-47e8-97b1-825213b75420). CH claimed (1) (UT transaction) from (APPLE CASH 1INFINITELOOPCAUS) for $30.00 settled on Feb 21, 2023. ICC date March 21, 2023. Reg E claim. New Account. Requested for PVC Issuance on March 22, 2023. No claim cancellation and No merchant credit received. Card ending in 1333 is now deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No spending nor behavioral pattern observed. With suspicious declined transaction from the same merchant. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 22, 2023 with ROL Case #2316236327. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30166971). Dispute ID (84719750-16f9-42fa-bf32-a1a7465bfb7f). CH claimed (1) Service/Merchandise Not Received from HOMECLICK HTTPSKANUSTU.INUS for $147.81 settled on January 24, 2023. ICC date: Feb 15, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Re-presentment received on March 20, 2023 with VROL (#5239595020) is uncompelling. Pre-arb initiated on March 20, 2023. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Therefore, Error found. Endorse to Current for final credits issuance. Case Closed.

Lean Case ID: 30169638. Dispute ID: b1ad172a-3002-4358-a60f-7298e67f89db. CH claimed (1) Service/Merchandise Not Received from G* GOAT609#53531 HTTPSWWW.GOATCAUS amounting to $113.96 settled on Feb 17, 2023. ICC date 2023-02-22. Non Reg E. OLD Account. No claim cancellation as of today. No merchant credit as of today. Representment received on March 22, 2023 with VROL (#5241732662). As per the documents provided by the merchant, the product was shipped via FedEx tracking 394732854947 on Feb 17, 2023 and delivered to the address provided by the CH. CH's address matches in file. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30173872. Dispute ID: e26aa33d-32f2-48d8-a220-976105724d58. CH claimed (1) Cancellation from PEARL HOLDING GROUP 954-587-2299 FLUS amounting to $217.39 settled on Feb 24, 2023. ICC Date: Mar 02, 2023. Reg E. OLD Account. PVC Issued on 03/03/2023. No Claim Cancellation as of today. No merchant credit as of today. Chargeback requested on March 03, 2023 with ROL#5245307259. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 03, 2023 amounting to $217.39 is now final. Case Closed.

Lean Case ID (30173932). Dispute ID (44d67839-9181-4347-9987-59eba560df63). CH claimed (1) (Dispute Type) from (ONE DAY NAIL SPA TUCSON AZUS) for $181.56 settled on Feb 19, 2023. ICC date: March 02, 2023. Non Reg E Case. Old Account. No claim cancellation and merchant credit received as of this date. Representment received on March 22, 2023 with VROL (#5245456676). As per the documents provided by the merchant, the CH agreed to pay the full amount for all the services provided and SIGNED THE RECEIPT. The CH received the services and was satisfied with everything according to the merchant. The receipt also shows the total amount of the transaction and signed with it after the services. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID: 30178024. Dispute ID: 5ef0df33-d46d-4034-8637-eec559d93ce5. CH claimed (1) Unauthorized Transaction from LIFEKBRANDS 844-9049670 DEUS for $198.78 settled on March 09, 2023. ICC date: March 09, 2023. Reg E claim. Old Account. PVC Issued on 03/10/2023. No claim cancellation and No merchant credit received. Card ending in 1958 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction(s). Chargeback requested on March 10, 2023 with ROL#5249107421. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 10, 2023 amounting to $198.78 is now final. Case Closed.

Lean Case ID: 30178704. Dispute ID: 07066fb4-1742-43de-96fc-c826286c9a2f. CH claimed (1) Cancellation from NUMBERGURU.COM 786-482-6779 NYUS for $29.99 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. Chargeback requested on March 14, 2023 with ROL#5250581731. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID: 30178796. Dispute ID: 040a0cf9-e4e5-4f9d-8610-1f68f1a1e63a. CH claimed (1) (UT transaction) from (UBER* TRIP WWW.UBER.COM CAUS) for $39.99 settled on March 10, 2023. ICC date: March 10, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. Card ending in 5794 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction. Representment received on March 19, 2023 with VROL (#5250633025). As per the documents presented by the merchant, the details of the CH didn't match such as the name and the email address. Pre-arb initiated on March 22, 2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID: 30178822. Dispute ID: 09f972fb-c696-4f76-acb2-afd0c95dd2a0. CH claimed (1) (UT transaction) from (SPOILEDCHILD 551-751-7495 NYUS) for $172.78 settled on March 10, 2023. ICC date: March 11, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 14, 2023. No claim cancellation and No merchant credit received. Card ending in 1828 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Not Present Transaction. Chargeback requested on March 14, 2023 with ROL#5250652173. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 14, 2023 amounting to $172.78 is now final. Case Closed.

Lean Case ID: 30179410. Dispute ID: 38ef1ca4-0d2d-4618-b380-93e91c316f71. CH claimed (1) Service/Merchandise Not Received from AFTERPAY 185-52896014 CAUS for $73.10 settled on March 05, 2023. ICC date: March 12, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Representment received on March 15, 2023 with VROL (#5250712574). As per the documents presented by the merchant, it shows that the product was sent to the SHIPPING ADDRESS of the CH. Shipping address of the CH matches the address in file in file of the merchant. Refunds are subject to the discretion of the merchant to whom the CH can direct to them under the Agreements. Therefore, No Error Found. Endorsed to Current for sending of final letter. Case Closed.

Lean Case ID (30179999). Dispute ID (7929d681-014e-4c27-bcb1-e5ff65144d50). CH claimed (1) (Cancellation) from (CLKBANK*End of Trial 800-390-6035 IDUS) for $49.82 settled on March 12, 2023. ICC date: March 13, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 15, 2023. No claim cancellation and No merchant credit received. Representment received on March 21, 2023 with VROL (#5251494353). As per the documents presented by the merchant, the CH received services until the cancellation date and the claim was an installment transaction. The cancellation was requested for a different date and services were provided until this date. Merchant also mentioned that the CH no longer disputes the transaction. Therefore, No Error Found. PVC scheduled for reversal on March 22, 2023. Case Closed.

Lean Case ID (30180065). Dispute ID (a2dff83b-ed3b-4990-9d17-48d5c19c02fd). CH claimed (1) (UT transaction) from (SmileDirectClub 800-8487566 TNUS) for $250.00 settled on Feb 26, 2023 . ICC date March 13, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 15, 2023. No claim cancellation and No merchant credit received. Card ending in 8477 is already deactivated. Card in Possession. PIN Status: Memorized. Card Not Present Transaction(s). Chargeback requested on March 15, 2023 with ROL#5251522427. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 15, 2023 amounting to $250.00 is now final. Case Closed.

Moto 7 Related case 2316633426, Related case 2316633427, Related case 2316633428, Related case 2316633429, Related case 2316633430, Related case 2316633431, Related case 2316633432

Lean Case ID (30184722). Dispute ID (518bc6c7-7f11-4066-843a-f4802bb813ad). CH claimed (8) (UT transactions) from (WSI US- MICHIGAN Lasvegas NVUS) for $911.00 settled between March 15, 2023 to March 20, 2023. ICC date March 22, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 5891 is already deactivated. Card Status: In Possession. PIN Status: Written-Down. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. All transactions are within CH's typical spending activity. No ATO hallmarks. No suspicious declined transactions. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316633425, 2316633426, 2316633427, 2316633428, 2316633429, 2316633430, 2316633431, 2316633432. Endorsed to Current Team for final letter. No credit issued. Case closed.

150 - 2316648734 , 2316648746

Lean Case ID (30184575). Dispute ID (9a0dcb48-d599-402d-a5fe-f9e366471d8d). CH claimed (2) (UT transactions) from (CASH APPJADE WHITE 8774174551 CAUS & AMAZON.COMHE0067862 AMAMZN.COM/BILLWAUS) for $440.00 settled between Feb 17, 2023 to Feb 19, 2023. ICC date March 22, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 9418 & 0646 are already deactivated. Card Status: Stolen. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. All transactions are within CH's typical spending activity. No ATO hallmarks. No suspicious declined transactions. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316648734, 2316648746. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30184653). Dispute ID (441c9544-4986-46be-88db-c2d408024ddd). CH claimed (1) Service/Merchandise Not Received from (YSI*Skyline Trinity 972-7070344 TXUS) for $215.00 settled on March 01, 2023. ICC date March 22, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via (Skyline Trinity/972-7070344), Routed to IVR, unable to validate the disputed transaction/s. No sufficient denial reason. Filed Chargeback on March 23, 2023 with ROL Case #2316673457. Merchant has 30 days to respond. Case ongoing.

10:22 AM DST

Lean Case ID (30184785). Dispute ID (6ddde534-f891-40e6-8e83-da14f8ae7aa3). CH claimed (1) (UT transaction) from (AMER. HEALTH ACAD. CPR 888-277-7865 TXUS ) for $44.85 settled on March 22, 2023. ICC date March 22, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 23, 2023. No claim cancellation and No merchant credit received. Card ending in 4468 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No previous transactions from the same merchant. Without 3rd party access. Initiated MCO via (American Health Academy/888-277-7865), Routed to IVR, unable to validate the disputed transaction/s. No enough evidence to deny the claim. Filed Chargeback on March 23, 2023 with ROL Case #2316698006. Merchant has 30 days to respond. Case ongoing.

Moto 7

Lean Case ID (30184842). Dispute ID (536e6545-3b7c-4616-b4e8-9671cbeb6120). CH claimed (1) (UT transaction) from (JOMASHOP INC. 877-834-1434 NYUS) for $267.68 settled on Feb 24, 2023. ICC date March 23, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 23, 2023. No claim cancellation and No merchant credit received. Card ending in 8885 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Not Present Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No previous transactions from the same merchant. Without 3rd party access. Initiated MCO via (Jomashop/8877-834-1434), Routed to IVR, unable to validate the disputed transaction/s. No enough evidence to deny the claim. Filed Chargeback on March 23, 2023 with ROL Case #2316751677. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30179923). Dispute ID (3c81b516-b632-49f9-84cf-bbdb9601c4fe). CH claimed (1) Merchandise Credit Not Posted from SQ *OCEAN BREEZE AIRBRUPlant City FLUS for $44.00 settled on March 13, 2023. ICC date March 13, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID: 30172925. Dispute ID: 6ba199be-9a14-4e62-a3c5-47ae7ba84199. CH claimed (1) Unauthorized Transaction from TME*People 855-239-8684 NYUS amounting to $66.00 settled on Feb 28, 2023. ICC date 2023-02-28. Reg E. OLD Account. PVC Issued on 03/02/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 7389 is showing: DEACTIVATED. Card status: in possession. PIN status: memorized. Card not present transaction(s). Chargeback requested on March 02, 2023 with ROL#5244633096. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 02, 2023 amounting to $66.00 is now final. Case Closed.

Lean Case ID: 30176817. Dispute ID: 40f617ee-ac6a-4c15-8d78-48ec38a09b69. CH claimed (1) Unauthorized Transaction from GRAMMARLY COOD9L9HV GRAMMARLY.COMCAUS for $144.00 settled on March 05, 2023. ICC date: March 07, 2023. Reg E claim. Old Account. PVC Issuance on 03/09/2023. No claim cancellation and No merchant credit received. Card ending in 7815 is already replaced. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Representment received on March 23, 2023 with VROL (#5248257568). As per the documents submitted by the merchant, the information of the CH didn't match such as the name and the email address. Pre-arb initiated on March 23, 2023. Merchant has 10 days to respond. Case ongoing.

Lean Case ID (30183034). Dispute ID (6e5e4a7e-74e6-4f64-a6b9-06b9a3f4e51d). CH claimed (1) (UT transaction) from (GOOGLE *Tinder 855-836-3987 CAUS) for $80.99 settled on March 18, 2023. ICC date March 19, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 20, 2023. No claim cancellation and No merchant credit received. Card ending in 5289 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Not Present. Representment received on March 22, 2023 with VROL (#2314792353). As per the documents submitted by the merchant, Multiple authentication options exist to prevent accidental or unwanted purchases, including additional parental controls. Purchase authentication is turned on by default. Customers have agreed to assume responsibility for all charges. In addition, the information of the CH matches from the documents of the merchant (name, email address, last 4 digits of the card). Therefore, No Error Found. PVC scheduled for reversal on March 23, 2023. Case Closed.

Multiple authentication options exist to prevent accidental or unwanted purchases, including additional parental controls. Purchase authentication is turned on by default. Customers have agreed to assume responsibility for all charges. In addition, the information of the CH matches from the documents of the merchant (name, email address, last 4 digits of the card)

Lean Case ID (30183268). Dispute ID (2a83b741-c7c9-4c69-b6ed-dc38903afa57). CH claimed (1) (UT transaction) from SHOPIFY* 172946245 HTTPSSHOPIFY.ILUS for $29.00 settled on March 16, 2023. ICC date March 19, 2023. Reg E claim. Old Account. PVC Issuance Requested on March 21, 2023. No claim cancellation and No merchant credit received. Card ending in 9202 has been deactivated. Card Status: In Possession and PIN Status: Memorized. Card Not Present(s). Representment received on March 22, 2023 with VROL (#2315542665). As per the documents presented by the merchant, it shows that the information of the customer matches in file such as the name, email address & the billing address of the CH. Therefore, No Error Found. PVC scheduled for reversal on March 23, 2023. Case Closed.

Lean Case ID (30185088). Dispute ID (94bd68a8-f268-425d-9399-c83e9430f099). CH claimed (1) (Service/Merchandise Not Received) from ( RH *cdconsi.com Internet GB) for $70.52 settled on March 22, 2023. ICC date March 23, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 24, 2023 with ROL Case #2317272712. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30185195). Dispute ID (6e19a12e-6a83-4f26-9006-e2a3d297d964). CH claimed (4) Cancellation from (GRID* APP MEMBERSHIP HTTPSGETGRID.CAUS & GRID* #3 ADV REPMT HTTPSGETGRID.CAUS) for $82.99 settled on March 23, 2023. ICC date March 23, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 24, 2023. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Filed Chargeback on March 24, 2023 with ROL Case #2317287332. Need to wait 15 calendar days to perform a successful CB. Case ongoing.

Lean Case ID (30185279). Dispute ID (1dbe1512-bf48-4ffd-a7bc-1b9182addc0d). CH claimed (2) (Service/Merchandise Not Received) from (CASH APP*NIKKI00 8774174551 CAUS) for $436.00 settled between March 03, 2023 to March 06, 2023. ICC date March 23, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION As per CashApp terms and conditions under sec: VII Peer to Peer Service no. 2 "You will be able to send funds using our P2P service if you have a linked bank account or linked a credit card. If you have an Unrestricted Account you will also be able to send funds using our P2P service from your balance. You authorize us to move funds on your behalf. We won’t be responsible for certain incomplete transactions, as described here." Merchant stated on their terms and conditions that CashApp is only a 3rd party who process the payment transaction. Therefore. No error found. Finalize this claim as denied. Endorsed to Current for sending of final letter. Case closed.

2317311162

Lean Case ID (30185359). Dispute ID (2f1290db-023d-458e-bad4-11e34352b70f). CH claimed (1) (UT transaction) from (MARC JACOBS INTL 877-707-6272 NYUS) for $818.13 settled on Feb 24, 2023. ICC date March 23, 2023. Reg E claim. New Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 8493 is already deactivated. Card Status: In Possession and PIN Status: Memorized. Card Not Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2317311162. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID: 30176237. Dispute ID: 54b71b70-9a0a-42cb-88f3-fa5dedc67737. CH claimed (1) Unauthorized Transaction from LYFT *RIDE SAT 1PM lyft.com CAUS for $47.69 settled on March 06, 2023. ICC date: March 06, 2023. Reg E claim. Old Account. PVC Issued on 03/08/2023. No claim cancellation and No merchant credit received. Card ending in 0591 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Representment received on March 23, 2023 with VROL (#5247792525). As per the documents presented by the merchant, it shows that the information of the CH matches the information in file, such as the name, email address & phone number. Pickup and drop-off addresses reflect the nearest address as registered by the vehicle when picking up or dropping off the CH. Therefore, No Error Found. PVC scheduled for reversal on March 24, 2023. Case Closed.

Lean Case ID: 30176947. Dispute ID: c1cae34f-172c-4f59-83c6-f4a2b65bd1b1. CH claimed (1) Unauthorized Transaction from LYFT RIDE TUE 8AM 855-865-9553 CAUS for $26.96 settled on March 07, 2023. ICC date: March 07, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 03/09/2023. No claim cancellation and No merchant credit received. Card ending in 1833 is already replaced. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction(s). Representment received on March 24, 2023 with VROL (#5248378228). As per the documents presented by the merchant, it shows that the information of the CH matches the information in file, such as the name, email address & phone number. Pickup and drop-off addresses reflect the nearest address as registered by the vehicle when picking up or dropping off the CH. Therefore, No Error Found. PVC scheduled for reversal on March 24, 2023. Case Closed.

Lean Case ID: 30180193. Dispute ID: 3d08334a-1ed4-4789-bfe2-9c75ce031dac. CH claimed (1) Merchant Credit Not Posted from DOORDASH*WNB FACTORY - WWW.DOORDASH.CAUS for $36.96 settled on March 12, 2023. Reg E claim. Old Account. No PVC Issuance. PTF claim. No claim cancellation and No merchant credit received. INVESTIGATION Exhausted the 5 business days for Additional Info., however, no response from the CH. Therefore, unable to proceed with filing Chargeback. Case deemed as NO ERROR FOUND. Endorsed to Current Team for Final Letter. Case closed.

Lean Case ID (30184048). Dispute ID (8180e1d5-68c9-4f15-a3f3-45d93440f41a). CH claimed (3) (UT transactions) from (multiple merchants) for $872.26 settled on April 27, 2022. ICC date March 21, 2023. Reg E claim. Old Account. No PVC Issued. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 7370 has been deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION Transactions are PTF Claim. Upon thorough investigation, CH has been transacting with the disputed merchant since May 06, 2020 until the disputed transaction considered as spending pattern. With previous and succeeding transactions from the same merchant that were not disputed. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2316045480, 2316059507. Unable to file FR for transaction amounting to $2.26. Unable to find the ARN of the transaction. Endorsed to Current Team for final letter. No Credit Issued. Case Closed.

Lean Case ID (30185425). Dispute ID (54091fe2-605a-464f-b35a-ea1323070685). CH claimed (4) Service/Merchandise Not Received from (multiple merchants) for $457.90 settled between Feb 17, 2023 to March 19, 2023. ICC date March 24, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 24, 2023 with ROL Case #2317463642, 2317463685, 2317463728. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30185430). Dispute ID (049c4d40-e764-44f0-b733-06de7f639ef5). CH claimed (1) (UT transaction) from (APPLE.COM/BILL 866-712-7753 CAUS) for $108.30 settled on March 23, 2023. ICC date March 24, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 24, 2023. No claim cancellation and No merchant credit received. Card ending in 4255 has been deactivated. Card Status: In Possession. Pin Status: Memorized. Card Not Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. High balance after the disputed transaction. With suspicious declined transactions from the same merchant. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 24, 2023 with ROL Case #2317479661. Merchant has 30 days to respond. Case ongoing.

Related case 2317488887,  Related case 2317488888,  Related case 2317488889    2317488884

Lean Case ID (30185434). Dispute ID 402f7a53-f207-43eb-8715-ab5cefbad06d). CH claimed (4) (UT transactions) from (WWW.TICKETCOUNTER.EU ROTTERDAM NL) for $108.30 settled on March 24, 2023. ICC date March 24, 2023. Reg E claim. Old Account. No claim cancellation and No merchant credit received. Card ending in 4807 has been deactivated. Card Status: In Possession. Pin Status: Memorized. Card Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No previous transactions from the same merchant. With suspicious transactions from the same merchant. Without 3rd party access. Unable to file chargeback due to claim is below CB threshold. No sufficient denial reason. FR done with VROL#2317488887, 2317488888, 2317488889, 2317488884 . Therefore, Error found. Endorsed to Current for Sending of Final letter and credit. Case closed.

Lean Case ID (30185439). Dispute ID (eb729fe9-3ac8-4a71-880a-a7f8ca7b9286). CH claimed (1) Service/Merchandise Not Received from WWW.LOUBENA.COM PARIS FR for $39.90 settled on March 02, 2023. ICC date March 24, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 24, 2023 with ROL Case #2317512121. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30185442). Dispute ID (877d060a-7496-4d8a-9969-c6a3c7631847). CH claimed (1) (Cash Not Dispensed) from (11 SEA ST WEYMOUTH MAUS) for $103.50 settled on March 24, 2023. ICC date March 24, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 24, 2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO unsuccessful: Unable to validate transaction over the phone since the claim is cash not dispensed (ATM). Filed Chargeback on March 24, 2023 with ROL Case #2317512408. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186464). Dispute ID (1b5f5dcc-a84d-48df-9fe0-f11604ccc007). CH claimed (1) (UT transaction) from (LIFE EXPERTS 1 888-7371666 FLUS) for $40.00 settled on March 25, 2023. ICC date March 26, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 27, 2023. No claim cancellation and No merchant credit received. Card ending in 0069 is already deactivated. Card Status: Stolen. PIN Status: Written-Down. Card Absent Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No previous transactions from the same merchant. With suspicious declined transactions from the same merchant. Without 3rd party access. Initiated MCO via (Life Experts/1 888-7371666), Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 27, 2023 with ROL Case #2318347872. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186010). Dispute ID (a046641d-17ce-47b9-9c5e-872ca7d9d6f5). CH claimed (1) (Service/Merchandise Not Received) from (RH *ngelai.com Internet GB) for $54.37 settled on March 15, 2023. ICC date March 25, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 27, 2023 with ROL Case #2318357707. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186182). Dispute ID (9bb6a415-6f36-4693-8adb-1b4f00e41924). CH claimed (1) (Service/Merchandise Not Received) from (EASY RENTAL 201 ATLANTA GAUS) for $201.88 settled on March 23, 2023. ICC date March 25, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via (Easy Rental/+1 404-758-9446), Routed to IVR, unable to validate the disputed transaction/s. No sufficient denial reason. Filed Chargeback on March 27, 2023 with ROL Case #2318370541. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186233). Dispute ID (ed7c7936-ee79-4601-a5ce-54e47e0cc87f ). CH claimed (1) (UT transaction) from (AMZN Digital*HD4B228C2 888-802-3080 WAUS) for $39.99 settled on March 02, 2023. ICC date March 26, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 27, 2023. No claim cancellation and No merchant credit received. Card ending in 5423 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Absent Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. No previous transactions from the same merchant. High balance after the disputed transaction. No MCO initiated as the merchant is part of the approved DNC list. Filed Chargeback on March 27, 2023 with ROL Case #2318382148. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186276). Dispute ID (c3a41b42-1091-48bf-afb8-3e07f3b95ddd). CH claimed (1) (UT transaction) from (EXTENDEDSTAY #9820 LAS VEGAS NVUS) for $101.97 settled on March 24, 2023. ICC date March 25, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 6168 is already deactivated. Card Status: Lost. PIN Status: Memorized. Card Present Transaction. INVESTIGATION CH mentioned that the card was lost, meanwhile, there are multiple valid undisputed card present transaction in after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within CH's vicinity. (22 minutes/6.6 miles away from the CH's location). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2318392921. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30186441). Dispute ID (b12ef30b-068b-4acd-8dd1-03d077a17946). CH claimed (1) (Service/Merchandise Not Received) from (DENNY'S #9303 ONLINE 999-999-9999 TNUS) for $43.18 settled on March 24, 2023. ICC date March 26, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 27, 2023 with ROL Case #2318421642. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186472). Dispute ID (1383fa63-1e16-4336-89d4-1b5951f65306). CH claimed (1) (Service/Merchandise Not Received) from (CASH APP*DARYL ROGE 8774174551 CAUS) for $327.00 settled on March 15, 2023. ICC date March 26, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION As per CashApp terms and conditions under sec: VII Peer to Peer Service no. 2 "You will be able to send funds using our P2P service if you have a linked bank account or linked a credit card. If you have an Unrestricted Account you will also be able to send funds using our P2P service from your balance. You authorize us to move funds on your behalf. We won’t be responsible for certain incomplete transactions, as described here." Merchant stated on their terms and conditions that CashApp is only a 3rd party who process the payment transaction. Therefore. No error found. Finalize this claim as denied. Endorsed to Current for sending of final letter. Case closed.

Lean Case ID (30186504). Dispute ID (1b5ed814-d290-4320-9b91-5db51e9b74eb). CH claimed (1) (UT transaction) from ( DRAFTKINGS 6175007995 BOSTON MAUS) for $91.50 settled on March 06, 2023. ICC date March 26, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 9725 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Absent Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. With prior history with the same merchant. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2318438115. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30186556). Dispute ID (40c32096-16f3-46e2-b763-a14c8dccef8a). CH claimed (1) (UT transaction) from (TANREIN.NET 833-716-0866 PAUS) for $39.95 settled on March 14, 2023. ICC date March 26, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 7612 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Absent Transaction. INVESTIGATION Performed MCO on March 27, 2023 at 12:11 PM DST. Was able to speak with Christine and was told that the transaction was valid. The name, email address, last 4 digits of the card & the phone number matches in file. Was told that the CH was a new member but the the transaction was indeed valid. All transactions are within CH's typical spending activity. No ATO Hallmarks. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2318454096. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30186579). Dispute ID (dbee6d86-a4be-4b0f-b1b7-54abc455973d). CH claimed (1) (Service/Merchandise Not Received) from (AIRBNB HMZXQ533TX AIRBNB.COM CAUS) for $257.58 settled on March 19, 2023. ICC date March 26, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated as the merchant is part of the approved DNC list. No sufficient denial reason. Filed Chargeback on March 27, 2023 with ROL Case #2318454284. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30165021. Dispute ID: 38dc8e9b-d813-4b3f-aacb-10a8c93ae49c. CH claimed (1) ATM Cash Partial/Not Dispensed from 560 CENTER AVE MARTINEZ CAUS for $400.00 settled on Feb 10, 2023. ICC: Feb 10, 2023. Reg E claim. Old Account. Requested for PVC Issuance on 02/15/2023. No claim cancellation and No Merchant Credit Received. INVESTIGATION Case is REG E claim and reso due on March 27, 2023. Chargeback on going. The case is leading to write-off. Provisional credit issued dated Feb 15, 2023 amounting to $220.00 is now final. Endorse to Current team for sending of final letter. Case Closed.

Lean Case ID: 30171955. Dispute ID: 45292ceb-afca-4943-accf-215948bc5e51. CH claimed (1) Cancellation from HOPPER PRICE FREEZE Boston MAUS amounting to $37.66 settled on Feb 25, 2023. ICC date 2023-02-27. Reg E. OLD Account. PVC Issued on 03/01/2023. No claim cancellation as of today. No merchant credit as of today. Chargeback requested on March 20, 2023 with ROL#5244095236. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 01, 2023 amounting to $37.66 is now final. Case Closed.

Lean Case ID: 30172095. Dispute ID: 13b983fc-d71d-4701-982f-ef72df0231b2. CH claimed (1) Unauthorized Transaction from CHEESECAKE 143 ONLINE olo.com FLUS amounting to $155.90 settled on Feb 25, 2023. ICC date 2023-02-27. Reg E. OLD Account. PVC Issued on 03/01/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 4223 is showing: DEACTIVATED. Card status: in possession. PIN status: memorized. Card not present transaction(s). Re-presentment received on March 11, 2023 with VROL (#5244187164) is uncompelling. Pre-arb initiated on March 14, 2023. Timeframe expired: If the merchant failed to provide response more than 30 Calendar days from the pre-arb initiated date for EA and more than 10 calendar days for UT. Therefore, Error found. Provisional credit issued dated March 11, 2023 amounting to $155.90 is now final. Case Closed.

Lean Case ID: 30174733. Dispute ID: 32ea29a0-5c04-4684-b94f-7bb2a52cbfe3. CH claimed (1) Unauthorized Transaction from Spectrum 855-707-7328 MOUS amounting to $259.75 settled on March 02, 2023. ICC Date: Mar 03, 2023. Reg E. Old Account. PVC Issued on 03/06/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 3309 is showing DEACTIVATED. Card Status: In Possession. PIN Status: Memorized. Card not present transaction(s). Chargeback requested on March 06, 2023 with ROL#5246470553. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Provisional credit issued dated March 06, 2023 amounting to $259.75 is now final. Case Closed.

Lean Case ID: 30177083. Dispute ID: 2d9e52cb-1eea-4c29-8e7d-f96e895447a9. CH claimed (1) Service/Merchandise Not Received from LYFT *RIDE FRI 6PM lyft.com CAUS for $29.95 settled on March 05, 2023. ICC date: March 08, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Representment received on March 24, 2023 with VROL (#5248433540). As per the documents presented by the merchant, the details of the CH didn't match. Merchant sent out a different address and it doesn't match with the address in file. Pre-arb initiated on March 27, 2023. Merchant has 30 days to respond. Case ongoing.

Representment received on mm/dd/yyyy (date merchant provided documents) with VROL (#). (Reason as to why re-presentment is uncompelling). Pre-arb initiated on mm/dd/yyyy (date on when the pre-arb was initiated in VISA). Merchant has 10 days to respond. Case ongoing.

Lean Case ID (30186596). Dispute ID (47052dfa-df04-423b-b159-b189fa1d1a73). CH claimed (1) Amount Discrepancy from (PUBLIX SUPER MAR 4730 HHELENA ALUS) for $1194.04 settled on Feb 28, 2023. ICC date March 26, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 27, 2023. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. Filed Chargeback on March 27, 2023 with ROL Case #2318580594. Merchant has 30 days to respond. Case ongoing.

Lean Case ID: 30186643. Dispute ID: e852243b-1601-4da3-9744-f04543d1437e. CH claimed (1) Unauthorized Transaction from FAMILY DOLLAR # WARREN OHUS amounting to $84.33 settled on March 26, 2023. ICC date March 26, 2023. Reg E. OLD Account. PVC Issued on 03/01/2023. No claim cancellation as of today. No merchant credit as of today. Card ending in 4223 is showing: DEACTIVATED. Card status: in possession. PIN status: memorized. Card not present transaction(s).

Lean Case ID (30186643). Dispute ID (e852243b-1601-4da3-9744-f04543d1437e). CH claimed (1) (UT transaction) from (FAMILY DOLLAR # WARREN OHUS) for $84.33 settled on March 26, 2023. ICC date March 26, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 2346 is already deactivated. Card Status: Stolen. PIN Status: Written-Down. Card Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. Card present transaction happened within CH's vicinity. (7 min 2.4 miles away from the location of the CH). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2318599738. Endorsed to Current Team for final letter. No credit issued. Case closed.

2318618484

Lean Case ID (30186667). Dispute ID (1b4c2275-d42f-4d40-8f14-7bd1ddf3f7ad). CH claimed (1) (UT transaction) from (XTREME NAILS SPA LAS VEGAS NVUS) for $82.00 settled on March 26, 2023. ICC date March 26, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 27, 2023. No claim cancellation and No merchant credit received. Card ending in 7192 is already deactivated. Card Status: Stolen. PIN Status: Memorized. Card Present Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. High balance after the disputed transaction. No prior history with the same merchant. Without 3rd party access. No MCO initiated, no phone number/toll-free available. No sufficient denial reason. No CB rights due to Entry Mode: 05 (EMV Transaction). FR done with VROL#2318618484. Therefore, Error found. Endorsed to Current Team for final letter and credit. Case closed.

Lean Case ID (30184150). Dispute ID (0e15d94d-0be9-4e7a-83d5-5b216764d765). CH claimed (1) (UT transaction) from (MONZO* TOP UP HTTPSMONZO.COCAUS) for $314.00 settled on Feb 16, 2023. ICC date March 21, 2023. Reg E claim. Old Account. Request for PVC Issuance on March 22, 2023. No claim cancellation and No merchant credit received. Card ending in 2039 is now deactivated. Card Status: Stolen. Pin Status: Memorized. Card Not Present Transaction. Representment received on March 23, 2023 with VROL (#2316119058). As per the documents presented by the merchant, even the last name of the CH didn't match from the information given by the merchant, it shows that the BILLING ADDRESS and EMAIL ADDRESS matches the info of the CH. Upon checking the notes, the CH changed her billing address within the UT Timeline. Moreover, the merchant conducts KYC checks on account holders and have provided a range of account data to show the customer is indeed fully verified for their identity and is the person responsible for authorizing the transaction. Therefore, No Error Found. PVC scheduled for reversal on March 27, 2023. Case Closed.

Lean Case ID (30184176). Dispute ID (edc90e82-bc8d-49dd-9a48-1927aa5c91ff). CH claimed (1) (Service/Merchandise Not Received) from (RH *eleaide.com Internet GB) for $33.96 settled on March 07, 2023. ICC date March 21, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. Chargeback requested on March 22, 2023 with ROL#2316157745. Chargeback won. Acquirer Accepted Liability: Merchant responded and accepted the liability before 30 Calendar days. Error found. Endorsed to Current for Final credit issuance and sending of final letter. Case Closed.

Lean Case ID (30186338). Dispute ID (f4ff9030-c0bf-4046-a9e4-33cd94de773c). CH claimed (1) (UT transaction) from (APPLE.COM/BILL 866-712-7753 CAUS) for $43.55 settled on March 25, 2023. ICC date March 25, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 27, 2023. No claim cancellation and No merchant credit received. Card ending in 8773 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Absent Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. High Balance after the disputed transaction. Without 3rd party access. With suspicious declined transactions from the same merchant. No MCO initiated as the merchant is part of the approved DNC list. No sufficient reasons to deny the claim. Filed Chargeback on March 27, 2023 with ROL Case #2318647401. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30185983). Dispute ID (78e709c9-30e8-4e1b-8a37-5f1ddb736ce5). CH claimed (1) (Cancellation) from DIRECT AUTO INS 800-462-2123 NCUS for $501.50 settled on January 28, 2023. ICC date March 24, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 27, 2023. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via (Direct Auto/800-462-2123), Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 27, 2023with ROL Case #2318661156. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186407). Dispute ID (0f3ee8ce-0513-4efe-9c1c-cd32e13c9dbb). CH claimed (1) (UT transaction) from (ABCPLANET FITNESS 702-9160700 NVUS) for $109.08 settled on March 26, 2023. ICC date March 26, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 28, 2023. No claim cancellation and No merchant credit received. Card ending in 0032 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Absent Transaction. INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. Without 3rd party access. Initiated MCO via (ABCPLANET FITNESS 702-9160700), Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 28, 2023 with ROL Case #2318988187. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186445). Dispute ID (c0ee6ae1-863a-4dd1-aeef-68046e03a62d). CH claimed (1) (Service/Merchandise Not Received) from ( 016 FBV STUDIO MOVIE GRDALLAS TXUS) for $50.19 settled on March 26, 2023. ICC date March 26, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated, no phone number/toll-free available. No sufficient denial reason. Filed Chargeback on March 28, 2023 with ROL Case #2319000532. Merchant has 30 days to respond. Case ongoing.

2319014553 2319014554 2319014609 2319014878
4115-6802-7248-3697

Lean Case ID (30187003). Dispute ID (0c9deed2-9abf-443a-b9ef-31504eb39371). CH claimed (4) (UT transaction) from (multiple merchants) for $207.62 settled between March 26, 2023 to March 27, 2023. ICC date March 26, 2023. Reg E claim. Old Account. No PVC Issuance. No claim cancellation and No merchant credit received. Card ending in 8516 and 3697 are already deactivated. Card Status: Lost. PIN Status: Written-Down. Card Present Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. With prior history. All transactions are within CH's typical spending activity. No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2319014553, 2319014554, 2319014609, 2319014878. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30186938). Dispute ID (e2160c8d-f850-443d-a8b9-fadecef82062). CH claimed (1) (Service/Merchandise Not As Described) from (WALMART.COM 800-966-6546 ARUS) for $50.19 settled on March 13, 2023. ICC date March 27, 2023. Non Reg E claim. Old Account. No claim cancellation and No merchant credit received. INVESTIGATION No MCO initiated as the merchant is part of the approved DNC list. No sufficient denial reason. Filed Chargeback on March 28, 2023 with ROL Case #2319023899. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30186990). Dispute ID (52e2bda4-e4cc-498d-877d-a9d14e4db949). CH claimed (1) (Amount Discrepancy) from (CHANGEUS-MAIL ONLINE 888-2998929 NVUS) for $179.95 settled on March 27, 2023. ICC date March 27, 2023. Reg E claim. Old Account. Requested for PVC Issuance on March 28, 2023. No claim cancellation and No merchant credit received. INVESTIGATION Initiated MCO via (CHANGEUS-MAIL ONLINE 888-2998929), Routed to IVR, unable to validate the disputed transaction/s. Filed Chargeback on March 28, 2023 with ROL Case #2319040680. Merchant has 30 days to respond. Case ongoing.

Lean Case ID (30187026). Dispute ID (e1b5e1d4-50d0-4dd8-8774-1a8e5b599006). CH claimed (1) (UT transaction) from (JETBLUE 279211882418005382583 NYUS) for $108.90 settled on March 23, 2023. ICC date March 27, 2023. Reg E claim. Old Account. No PVC Issuance. No claim cancellation and No merchant credit received. Card ending in 1352 is already deactivated. Card Status: In Possession. PIN Status: Memorized. Card Absent Transaction. INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. Balance was enough to cover the transaction. All transactions are within CH’s typical spending activity. No ATO hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2319097712. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID 30187142. Dispute ID 2d2d3443-e988-4177-a95d-042fb7367931. CH claimed (3) Unauthorized Transaction from multiple merchants amounting to $111.87 settled between March 2, 2023 to March 3, 2023. ICC date Mar 28, 2023. Reg E Claim. NEW Account. No claim cancellation nor merchant credit received. Card ending in 0671 is showing Active. Card status: Stolen. PIN status: Memorized. Card Absent transaction. INVESTIGATION Request card closure on March 28, 2023. Case on going.

CUID: kajYP4CiFfSQUtaATAtRWvjZy7pCFyG0 Dispute ID: 0b601e9c-236d-416c-a56f-50bdb3f09e9a Amount: $907.00 "

Lean Case ID 30187112. Dispute ID 0b601e9c-236d-416c-a56f-50bdb3f09e9a. CH claimed (2) EA Cash Not/Partial Dispensed from 3180 S PERKINS RD & Quince Perkins amounting to $907 settled between Jul 23, 2021 to Jun 27, 2021. ICC date Mar 27, 2023. Reg E. No PVC Issued. PTF Claim. OLD Account. No claim cancellation nor merchant credit received. INVESTIGATION There are multiple disputes for the past 3 months in CH's account. These are signs of a Reg-E Player. CH reported as a dispute abuser with the same dispute type. Escalated to Current team, advised to deny the claim. Possible Reg-E player. Case ongoing.

Lean Case ID (30187055). Dispute ID (#). CH claimed (1) (Charged More Than Once) from (RENT ONE 314-3062966 MOUS) for $70.58 settled on March 23, 2023. ICC date March 27, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. INVESTIGATION Request for additional Information Form dated March 28, 2023. Ask the CH "What is the original charge?" "Are both transactions for the same merchant and on the same card? Case ongoing.

Lean Case ID (30187084). Dispute ID (b86ee996-1294-451e-8ccb-acd65f858ecc). CH claimed (1) (Service/Merchandise Not as Described) from ( WALMART.COM 800-966-6546 ARUS) for $61.64 settled on March 27, 2023. ICC date March 27, 2023. Non Reg E claim. Old Account. No claim cancellation and Partial Merchant received amounting to $19.63 settled on March 27, 2023 with TUID: xaagpmlvxjngh-kssaCqpnatdtn-pBarwfnDwxqDb-vquvimxaalybl. INVESTIGATION No MCO initiated as the merchant is part of the approved DNC list. No sufficient denial reason. Filed Chargeback on March 28, 2023 with ROL Case #2319149832. Merchant has 30 days to respond. Case ongoing.

2319219765 Related case 2319219766, Related case 2319219767, Related case 2319219768

Lean Case ID (30187203). Dispute ID (224b1e6a-836e-427a-8053-4e2cf1eb74bb). CH claimed (6) (UT transactions) from (Microsoft*Xbox msbill.info WAUS) for $110.18 settled on March 19, 2023. ICC date March 28, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 8226 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Absent Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. High balance after the disputed transaction. Without 3rd party access. No MCO initiated as the merchant is part of the approved DNC list. No sufficient denial reason. FR done with VROL#2319219765, 2319219766, 2319219767, 2319219768, 2319219856, 2319152042. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed.

2319234824 2319234851 2319234894 2319234923 2319234938

Lean Case ID (30187191). Dispute ID (641ee349-1cd6-49d7-84b2-310ee573aba7). CH claimed (5) (UT transactions) from (multiple merchants) for $45.52 settled between March 22, 2023 to March 27, 2023. ICC date March 28, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 1146 is already deactivated. Card Status: In Possession. Pin Status: Memorized. Card Absent Transaction(s). INVESTIGATION No funding event that has an impact prior to the disputed transaction. No Cash In/Out. With suspicious declined transactions from the same merchant. Without 3rd party access. No MCO initiated, no phone number/toll-free available. FR done with VROL#2319234824, 2319234851, 2319234894, 2319234923, 2319234938. Therefore, Error found. Endorsed to Current for Sending of Final letter. Case closed.

Lean Case ID 30186444. Dispute ID 5932e74f-284c-440f-a4af-ef3a7da84835. CH claimed (1) EA Cash Not/Partial Dispensed from PAI ISO RIVERDALE ILUS amounting to $202.95 settled on March 16, 2023. ICC date Mar 16, 2023. Reg E. No PVC Issued. OLD Account. No claim cancellation nor merchant credit received. INVESTIGATION Account is suspended. There are multiple disputes (5) for this month in CH's account. These are signs of a Reg-E Player. CH reported as a dispute abuser with the same dispute type. Escalated to Current team, advised to deny the claim. Possible Reg-E player. Case ongoing.

CUID: XpWzAwiZzgvhlknuJQjVvXeNmzWJhbcW DISPUTE ID: e63483dd-c9ab-45ed-ab1b-4baf72bc4162 AMOUNT: $192.95

7.41 1.99 2319282105 2319282106 2319282107 2319282108

Lean Case ID (30187199). Dispute ID (df292010-8abe-4818-b97f-720557f3ec0f). CH claimed (4) (UT transactions) from (multiple merchants) for $171.38 settled between September 25, 2021 to October 21, 2021. ICC date March 28, 2023. Reg E claim. Old Account. No PVC Issued. PTF Claim. No claim cancellation and No merchant credit received. Card ending in 3505 is already deactivated. Card Status: Lost. Pin Status: Memorized. Card Present Transaction(s). INVESTIGATION Funding activity is evident prior to the authorization of the disputed transactions. – This indicates that every transaction activity, the card was already funded. This suggests that CH knows the balance, anticipated the transaction, and is aware with her spending capability. No ATO Hallmarks/PII changes within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2319282105, 2319282106, 2319282107, 2319282108. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30187158). Dispute ID (1260457e-b231-4135-b3fb-f00618d3b7cb). CH claimed (2) (UT transactions) from (GameStop 817-422-2085 TXUS & 19851 W WARREN RD DETROIT MIUS) for $347.58 settled between March 27, 2023 to March 28, 2023. ICC date March 28, 2023. Reg E claim. Old Account. No PVC Issued. No claim cancellation and No merchant credit received. Card ending in 0858 is already deactivated. Card Status: Lost. Pin Status: Memorized. Card Absent & Card Present Transaction(s). INVESTIGATION CH mentioned that the card was stolen, meanwhile, there are multiple valid undisputed card present transaction after the authorization of the disputed transaction. This suggests that the card is in possession contrary to the statement provided. Card present transaction happened within Cardholder's vicinity (11 mins/4.0 miles). No suspicious deny codes captured that are associated with the disputed merchant within the UT timeline. Therefore, NO ERROR FOUND. Filed FR with ROL Case #2319299628, 2319299640. Endorsed to Current Team for final letter. No credit issued. Case closed.

Lean Case ID (30187190). Dispute ID (facbd5ec-a9cd-49a9-a6b1-bf5a1e07b02a). CH claimed (1) (Full/Partial Cash Dispensed) from (101 S BELAIR RD MARTINEZ GAUS) for $403.00 settled on March 27, 2023. ICC date March 28, 2023. Reg E claim. New Account. Requested for PVC Issuance on March 28, 2023. No claim cancellation and No merchant credit received. INVESTIGATION MCO Unsuccessful; Unable to validate transaction over the phone, merchant only save card details. Filed Chargeback on March 28, 2023 with ROL Case #2319330642. Merchant has 30 days to respond. Case ongoing.