ut notations · Offline Notepad

0- if card was lost or not in possession as long as no clear signs that card was stolen

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

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

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

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

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

PRE-ARB

uncompelling evidences provided by the merchant

Dispute ID: 13422523 DND: 2024-04-21 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: Denied

Claim Denied following Chargeback Outcome

CB LOST
Received Uncompelling evidence meet 1+ standard

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

Decision Outcome: Denial Evidences

Decision Outcome Reasoning:

No signs of ATO
With 2 valid undisputed transactions
With valid EMV or CP transactions
With unfreezing event suggest account control
With qualified funding events
Transaction has SMS overridden -No signs of remote login or Chime impersonation scams
*SMS Override
With qualified funding event
No signs of ATO
PIN transaction and the PIN was not changed, lost, or exposed
Freezing and unfreezing activity observed ,suggests they have control of the account
EMV Denial
No Deny/Response code observed
With valid undisputed card present EMV Chip transaction observed
With 3rd party access/authorization
Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed
AVS is A, X, Y, without an address change
With 2 or more undisputed transactions with an exact match to the merchant
No signs of remote login or Chime impersonation scams.

Decision Outcome: Approved

Decision Outcome Reasoning:

No SMS Override
No Qualified funding event observed
No 3rd party authorization
No AVS Matched
Not a PIN Based transaction
No unfreezing of the card observed
Velocity Abnormal
Amount Abnormal
Location Abnormal
With signs of remote login or Chime impersonation scams
No 2 or more undisputed transactions with an exact match to the merchant
Not enough signs that fraud DID NOT occur to deny the dispute
No undisputed card present transactions on the lost or stolen card

No SMS Override No Third Party Access No Qualified funding event observed No AVS Matched Not a PIN Based transaction No freezing and unfreezing of the card observed Velocity Abnormal Amount Abnormal Location Abnormal With signs of remote login or Chime impersonation scams

Undisputed card present transactions found on the lost or stolen card

PIN transaction and the PIN was not changed, lost, or exposed
Unfreezing event that suggest the full control of the account
Pattern of use found for <> on <<1st undisputed transaction date>> and <<2nd undisputed transaction date>>.
SMS override AND no phone number changes within 48 hours
Disputed transaction where AVS = "Y" without an address change.
No ATO hallmarks
EMV transactions on Moto/Counterfeit claims
No Chime impersonation scam or remote login

*--FOR DENIAL:---

*SMS Override

With qualified funding event
No signs of ATO
PIN transaction and the PIN was not changed, lost, or exposed
Freezing and unfreezing activity observed ,suggests they have control of the account
EMV Denial
No Deny/Response code observed
With valid undisputed card present EMV Chip transaction observed
With 3rd party access/authorization
Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed
AVS is A, X, Y, without an address change
With 2 or more undisputed transactions with an exact match to the merchant
No signs of remote login or Chime impersonation scams.

------FOR APPROVAL:--------

No SMS Override
No Third Party Access
No Qualified funding event observed
No AVS Matched
Not a PIN Based transaction
No freezing and unfreezing of the card observed
Velocity Abnormal -Amount Abnormal
Location Abnormal
With signs of remote login or Chime impersonation scams

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Dispute ID: 13539353 DND: 2024-05-05 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

No Undisputed card present transactions on the lost or stolen card
No SMS Override
No Qualified funding event observed
No 3rd party authorization
No AVS Matched
Not a PIN Based transaction
No freezing and unfreezing of the card observed
No AVS Matched
No 2 or more undisputed transactions with an exact match to the merchant
Not enough signs that fraud DID NOT occur to deny the dispute 2443279607

Dispute ID: 13541193 DND: 2024-05-05 Reg E - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13541559 DND: 2024-05-06 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

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

Dispute ID: 13541558 DND: 2024-05-06 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

Dispute ID: 13540100 DND: 2024-05-05 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

Dispute ID: 13540839 DND: 2024-05-05 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Dispute ID: 13566872 DND: 2024-05-08 Reg E - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

2445134549

Dispute ID: 13565912 DND: 2024-05-08 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

May 1, 2024

16:23:04 PDT

Dispute ID: 13566703 DND: 2024-05-08 Reg Z - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

April 14, 2024

22:28:26 PDT

Dispute ID: 13566569 DND: 2024-05-08 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Dispute ID: 13574822 DND: 2024-05-09 Reg E - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13573857 DND: 2024-05-09 Reg E - Unauthorized Transaction

No SMS Override
No Third Party Access
No Qualified funding event observed
No unfreezing event that suggest the full control of account.
Not a PIN Based transaction 4985031186904047

2445816507 2445816549 2445816561 2445816564 2445816582

Dispute ID: 13573058 DND: 2024-05-09 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol Case number: 2445816507///2445816549///2445816561/2445816564//2445816582 4985032016137097

2446291276 2446291289 24051100000104

Dispute ID: 13566572 DND: 2024-05-08 Reg E - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

2446320846

Dispute ID: 13582030 DND: 2024-05-10 Reg E - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
No Qualified funding event observed
No unfreezing event that suggest the full control of account.
Not a PIN Based transaction 2446320959

Dispute ID: 13583964 DND: 2024-05-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With qualified funding events
Rol case number: 2446320959

Dispute ID: 13584165 DND: 2024-05-10 Reg Z - Unauthorized Transaction

Decision Outcome: Chargeback

Decision Outcome Reasoning:

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

initiated cb however error visa

Dispute ID: 13583955 DND: 2024-05-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

May 2, 2024 //20:05:50 PDT

///-$246.77

+$497.04 - 246.77

Dispute ID: 13583047 DND: 2024-05-10 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13573857 DND: 2024-05-09 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

ROL-1852

2446550912

2446550906

Dispute ID: 13589500 DND: 2024-05-11 Reg E - Unauthorized Transaction Decision Outcome: Approve

Decision Outcome Reasoning:

No Undisputed card present transactions on the lost or stolen card
No SMS Override
No Qualified funding event observed
No 3rd party authorization
No AVS Matched
Not a PIN Based transaction
No freezing and unfreezing of the card observed
No AVS Matched
No 2 or more undisputed transactions with an exact match to the merchant
Not enough signs that fraud DID NOT occur to deny the dispute
Rol case number: 2446550912///2446550906

2446588290

Dispute ID: 13590300 DND: 2024-05-11 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13590261 DND: 2024-05-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

Dispute ID: 13589459 DND: 2024-05-11 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

No Undisputed card present transactions on the lost or stolen card
No SMS Override
No Qualified funding event observed
No 3rd party authorization
No AVS Matched
Not a PIN Based transaction
No freezing and unfreezing of the card observed
No AVS Matched
No 2 or more undisputed transactions with an exact match to the merchant
Not enough signs that fraud DID NOT occur to deny the dispute
Rol case number: 2446595245

Dispute ID: 13590754 DND: 2024-05-11 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Decision Outcome: Approve/yes card IN possession at time of purchase

Decision Outcome Reasoning:

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

2446767417

Dispute ID: 13595479 DND: 2024-05-12 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13595155 DND: 2024-05-12 Reg E - Unauthorized Transaction

Erratum:

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4232232169423846

Dispute ID: 13585682 DND: 2024-05-11 Reg E - Unauthorized Transaction

Erratum: Dispute ID: 13565912 DND: 2024-05-08 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-ROL case number:2446808965//2446823018//2446823089// 2446823121//2446823161

May 11, 2024, 14:40:50 PDT

May 11, 2024 07:48:51 PDT

4232232148762645

Dispute ID: 13596420 DND: 2024-05-12 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 2446832040

Dispute ID: 13596633 DND: 2024-05-12 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13596537 DND: 2024-05-12 Reg E - Unauthorized Transaction

Dispute ID: 13597478 DND: 2024-05-13 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

Rol case number : 2446887282//2446887296//2446887307

Dispute ID: 13620033 DND: 2024-05-15 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

May 9, 2024, 12:45:27 PDt

May 9, 2024

14:39:15 PDT

May 9, 2024, 05:49:42 PDT

Dispute ID: 13620492 DND: 2024-05-15 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

Dispute ID: 13621424 DND: 2024-05-15 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 9, 2024, 09:21:13 PDT

May 9, 2024

03:19:31 PDT

Dispute ID: 13621442 DND: 2024-05-15 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

-With valid undisputed card present transactions

Dispute ID: 13627027 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
With SMS override AND no phone number changes within 48 hours AND no lost phone

4232230250053415

2450030073//2450030107 24051800000033-star

Dispute ID: 13628480 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13629145 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With AVS match

Dispute ID: 13629228 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

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

May 11, 2024 20:09:30 PDT

May 11, 2024, 07:20:01 PDT

Dispute ID: 13629239 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

Dispute ID: 13628107 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With AVS match

Yaretzi_zechar1ah0

4985032124567201

24051800001457

Dispute ID: 13637960 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

2450093042

Dispute ID: 13638213 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 15, 2024, 20:28:37 PDT

May 15, 2024 22:50:22 PDT

Dispute ID: 13643028 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
With signs of ATO

Dispute ID: 13643094 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

4985032195785146

5340722583

Dispute ID: 13644739 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

4232231015771408

5340722678//5340722684//5340722688

Dispute ID: 13645025 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5340711891// 5340711899

Dispute ID: 13645124 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13645220 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Dispute ID: 13651173 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

ROL-819: An internal system error occurred. Please try again. If the problem persists, please contact your Visa support representative.

5340973526

Dispute ID: 13649833 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4985032134928609

5340989016//5340989042//

Dispute ID: 13651296 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

Dispute ID: 13651612 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-unable to file fraud code more than 2 years

Apr 1, 2022, 12:40:58 PDT April 2, 2022 13:21:51 PDT

Apr 2, 2022, 13:18:45 PDT

April 2, 2022 13:21:51 PDT

Dispute ID: 13651475 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account
Unable to file fraud code more than 2 years

Dispute ID: 13675902 DND: 2024-05-22 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

-Rol case number: 5342824836

4985032097139079

5342835133// 5342835161// 5342835176

Dispute ID: 13674884 DND: 2024-05-22 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5342835133// 5342835161// 5342835176

Dispute ID: 13454547 DND: 2024-04-25 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback/Pre-arb Decision Outcome: APPROVE Claim Approved following Chargeback/Pre-arb Outcome:

➼ Timeframe expired ➼ Acquirer accepted the liability.

Dispute ID: 13541193 DND: 2024-05-05 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ Timeframe expired

Dispute ID: 13676321 DND: 2024-05-22 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

Dispute ID: 13676088 DND: 2024-05-22 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4232231106410387 24052300000402

Dispute ID: 13676540 DND: 2024-05-23 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13676608 DND: 2024-05-23 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Dispute ID: 13683093 DND: 2024-05-23 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
Not applicable for CB
EMV Denial

4985032063349231

Dispute ID: 13683246 DND: 2024-05-23 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5343443475//5343443492//5343468004

Dispute ID: 13683177 DND: 2024-05-23 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

Dispute ID: 13684266 DND: 2024-05-23 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO -With qualified funding events

-Rol case number: 5343531779 4985031177346208

13689999 Dispute ID: 13689999 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5343947894

Dispute ID: 13690348 DND: 2024-05-24 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

4985031165397288

ROL-3544 Dispute is invalid as prior undisputed transactions were detected for this merchant. This transaction will not be counted as a fraud activity. 5343988202 5343988254

304018588942470- 01/18/24 304121627927399- 04/30/24

Dispute ID: 13690376 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

Attempted to file chargeback received error code: #3544 304018588942470- 01/18/24 304121627927399- 04/30/24 -VROl #5343988202//5343988254

May 21, 2024, 17:38:35 PDT May 21, 2024

17:39:03 PDT

Dispute ID: 13691077 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

5344011256

Dispute ID: 13692699 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13691966 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

Dispute ID: 13693270 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5344024323

Dispute ID: 13693153 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With AVS matched

-Rol case number: 5344024323

4985032123468922

4985032197737475

7203732537 7203732537

5344027354//5344027362//5344027366// 5344027368// 5344027371//5344027377//5344027382

Dispute ID: 13692499 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
With SMS override AND no phone number changes within 48 hours AND no lost phone

-Rol case number: 5344027354//5344027362//5344027366// 5344027368// 5344027371//5344027377//5344027382

May 13, 2024 12:36:32 PDT

May 13, 2024, 05:30:43 PDT

Dispute ID: 13693122 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account 4232232092683334

5344222414//5344222416// 5344222419

Dispute ID: 13697263 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

-Rol case number: 5344222414//5344222416// 5344222419

5344248015

Dispute ID: 13698530 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

-Rol case number: 5344248015

4232230213412971

5344248053//5344248072//5344248100// 5344248108//5344248111 /24052600000046 star/24052600000048

Dispute ID: 13697035 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4232232105480926

Dispute ID: 13699395 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Reasoning:

No SMS override
No third Party
With signs of ATO
No CB Rights
No 2 or more undisputed transactions with an exact match to the merchant
No enough signs that fraud DID NOT occur to deny the dispute

-Rol case #: 5344256269//5344256268

5344256356

Dispute ID: 13699042 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5344256356

Dispute ID: 13595479 DND: 2024-05-12 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ Timeframe expired

Dispute ID: 13699538 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13699678 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5344270785

Dispute ID: 13700282 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

24692164146101813058128

5344274753

Dispute ID: 13703420 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13703435 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

4232230228261207

5344425338// 5344425373// 5344425381//5344425384//5344425390//5344425395//5344425400// 5344425409

Dispute ID: 13704749 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

-Rol case number: 5344425338// 5344425373// 5344425381//5344425384//5344425390//5344425395//5344425400// 5344425409

4232230202217886

5344450077//5344450082//5344450085//5344450091

Dispute ID: 13704983 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5344450077//5344450082//5344450085//5344450091

4985032161044585

13706802 13706857

Dispute ID: 13704729 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

-Rol case number: 5344473528//5344473537//5344473544

4232231153612497 4232231131246533

5344476479//5344476493// 5344489010// 5344489063//5344489079 //5344489115

Dispute ID: 13705892 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5344476479//5344476493// 5344489010// 5344489063//5344489079 //5344489115

Decision Outcome: Approve Pre-Arb Decision Outcome: APPROVE Claim Approve following Pre-Arb Outcome:

Acquirer response timeframe expired.

Dispute ID: 13449699 DND: 2024-04-24 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ Timeframe expired

Dispute ID: 13705702 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With AVS matched

4232232181576068

5344523103//5344523132//5344523143//5344523194//5344523208

Dispute ID: 13706597 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4232231124740864

5344526931//5344526977//5344536008//5344536014

Dispute ID: 13706802 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13706857 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS override was observed.
No third party access was observed.
Possible signs of ATO hallmarks

4985031198835304

Dispute ID: 13730835 DND: 2024-05-29 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-ROL case number: 5346117932// 5346117943//5346117950

Dispute ID: 13730349 DND: 2024-05-29 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

May 26, 2024, 15:52:54 PDT

May 26, 2024 15:52:57 PDT

Dispute ID: 13732177 DND: 2024-05-29 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

May 16, 2024, 00:59:08 PDT May 16, 2024 00:59:19 PDT

May 15, 2024

23:24:36 PDT

Pattern of use found for Epoch Com Livesoda on April 19, 2024 00:33:05 PDT and April 19, 2024 02:35:04 PDT .

Dispute ID: 13732636 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With 2 or more undisputed transactions with an exact match to the merchant
Pattern of use found for Epoch Com Livesoda on April 19,2024 00:33:05 PDT and April 19, 2024 02:35:04 PDT .

Dispute ID: 13732657 DND: 2024-05-30 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

4232231173685192

Dispute ID: 13738788 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5346732102

Dispute ID: 13738038 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With SMS override AND no phone number changes within 48 hours AND no lost phone

May 27, 2024, 07:15:14 PDT- unfreeze May 27, 2024 07:31:43 PDT- auth

Dispute ID: 13739227 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

-Rol case number: 5346765356

4232232196523352

5346776643//5346776684

Dispute ID: 13739460 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5346776643//5346776684

78106688- ATM Fee 13740154

Dispute ID: 13740968 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

May 28, 2024, 19:18:26 PDT- unfreeze May 28, 2024 19:18:39 PDT- auth

Dispute ID: 13740592 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

Dispute ID: 13738863 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number:5346835201

Dispute ID: 13741008 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 28, 2024, 14:26:52 PDT- unfreeze May 28, 2024 14:37:46 PDT- in between May 28, 2024 15:30:16 PDT- auth

Dispute ID: 13740962 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13746145 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13744052 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

5347330365

Dispute ID: 13747577 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13748151 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With undisputed card present transactions on the lost or stolen card

Dispute ID: 13747199 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5347347948

Dispute ID: 13705702 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With AVS matched

4232232181576068

5344523103//5344523132//5344523143//5344523194//5344523208

Dispute ID: 13706597 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4232231124740864

5344526931//5344526977//5344536008//5344536014

Dispute ID: 13706802 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13706857 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS override was observed.
No third party access was observed.
Possible signs of ATO hallmarks

4985031198835304

Dispute ID: 13730835 DND: 2024-05-29 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-ROL case number: 5346117932// 5346117943//5346117950

Dispute ID: 13730349 DND: 2024-05-29 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

May 26, 2024, 15:52:54 PDT

May 26, 2024 15:52:57 PDT

Dispute ID: 13732177 DND: 2024-05-29 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

May 16, 2024, 00:59:08 PDT May 16, 2024 00:59:19 PDT

May 15, 2024

23:24:36 PDT

Pattern of use found for Epoch Com Livesoda on April 19, 2024 00:33:05 PDT and April 19, 2024 02:35:04 PDT .

Dispute ID: 13732636 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With 2 or more undisputed transactions with an exact match to the merchant
Pattern of use found for Epoch Com Livesoda on April 19,2024 00:33:05 PDT and April 19, 2024 02:35:04 PDT .

Dispute ID: 13732657 DND: 2024-05-30 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

4232231173685192

Dispute ID: 13738788 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5346732102

Dispute ID: 13738038 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With SMS override AND no phone number changes within 48 hours AND no lost phone

May 27, 2024, 07:15:14 PDT- unfreeze May 27, 2024 07:31:43 PDT- auth

Dispute ID: 13739227 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

-Rol case number: 5346765356

4232232196523352

5346776643//5346776684

Dispute ID: 13739460 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

-Rol case number: 5346776643//5346776684

78106688- ATM Fee 13740154

Dispute ID: 13740968 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With PIN transaction for all other entry modes AND the PIN was not changed, lost, or exposed

May 28, 2024, 19:18:26 PDT- unfreeze May 28, 2024 19:18:39 PDT- auth

Dispute ID: 13740592 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

Dispute ID: 13738863 DND: 2024-05-30 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning: yes in possession

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

-Rol case number:5346835201

Dispute ID: 13748398 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5347367935

5347391614

Dispute ID: 13746822 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

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

5347391614

+$4.99 $96.00 91.01

5347592445 Dispute ID: 13749548 DND: 2024-06-01 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13750832 DND: 2024-06-01 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With AVS matched

-Rol case number: 5347605262

May 18, 2024 12:46:59 PDT May 19, 2024 14:42:31 PDT

5347605411

Dispute ID: 13756057 DND: 2024-06-01 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Dispute ID: 13755429 DND: 2024-06-01 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5347605411

Dispute ID: 13506073 DND: 2024-05-01 Reg E - Unauthorized Transaction

Decision Outcome: Approve Charge back Decision Outcome: APPROVE Claim Approve following Charge back Outcome: ➼ Acquirer accepted the liability

Dispute ID: 13507516 DND: 2024-05-01 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: ➼ Chargeback Acquirer response timeframe expired

Dispute ID: 13621424 DND: 2024-05-15 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approve following Pre Arb Outcome: ➼ Timeframe expired

May 31, 2024, 20:33:27 PDT- unfreeze May 31, 2024 02:17:47 PDT- auth

5347619379

Dispute ID: 13754413 DND: 2024-06-01 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 31, 2024 12:20:18 PDT May 31, 2024 18:10:53 PDT

May 24, 2024 19:00:10 PDT May 30, 2024 14:08:29 PDT May 30, 2024 12:37:38 PDT May 31, 2024 06:56:27 PDT

Dispute ID: 13776536 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

5349004791

Dispute ID: 13780066 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Dispute ID: 13777467 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 27, 2024 04:38:49 PDT May 28, 2024 18:47:50 PDT

Dispute ID: 13774604 DND: 2024-06-04 Reg E - Unauthorized Transaction

No signs of ATO
With qualified funding events

Jun 3, 2024, 14:39:04 PDT June 2, 2024 14:04:28 PDT June 2, 2024 21:40:32 PDT June 2, 2024 14:09:13 PDT

Dispute ID: 13777487 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
Not applicable for CB
EMV Denial

Dispute ID: 13780947 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Dispute ID: 13777264 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13777188 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

May 25, 2024 07:04:26 PDT- unfreeze

May 25, 2024, 13:22:33 PDT- auth

4232232143259894

5349624647//5349624660

Dispute ID: 13777893 DND: 2024-06-04 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 30, 2024, 05:36:24 PDT May 31, 2024 03:41:12 PDT May 31, 2024, 09:49:50 PDT

4232230276950396

5349624737//5349624743

Dispute ID: 13777893 DND: 2024-06-04 Reg Z - Unauthorized Transaction

Decision Outcome: Approve

Decision Reasoning:

No SMS override
No third Party
No qualified funding event
No unfreezing/freezing that suggests they have control of the account
Not a PIN transaction
No CB Rights
No 2 or more undisputed transactions with an exact match to the merchant
No enough signs that fraud DID NOT occur to deny the dispute

May 3, 2024 06:13:27 PDT May 3, 2024 06:19:09 PDT

Dispute ID: 13778300 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

4024304302 4024304302

Dispute ID: 13779014 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
With SMS override AND no phone number changes within 48 hours AND no lost phone

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

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5349687817

May 31, 2024, 14:12:57 PDT- 51

May 31, 2024, 13:43:24 PDT- 2ND funding

May 31, 2024, 13:05:48 PDT- 1ST funding

May 31, 2024 13:14:54 PDT- Auth

4985032185776204

Dispute ID: 13779679 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card
Rol case number: 5349719173//5349719190//5349719215//5349719221//5349719249

4232232118684068

5349729007/5349729016

Dispute ID: 13779835 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13627236 DND: 2024-05-16 Reg Z - Unauthorized Transaction

Decision Outcome: Approve Charge back Decision Outcome: APPROVE Claim Approved following Charge back Outcome: ➼ Acquirer accepted the liability

Dispute ID: 13787125 DND: 2024-06-05 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

May 31, 2024, 15:56:15 PDT Jun 3, 2024, 13:33:12 PDT

Jun 3, 2024, 12:38:15 PDT

June 2, 2024 12:20:32 PDT- earliest disputed

Jun 3, 2024, 12:38:15 PDT - 51

June 3, 2024 13:35:15 PDT- auth

Jun 3, 2024, 13:33:27 PDT- funding

Jun 3, 2024, 14:02:30 PDT- funding

4232232178316916

Dispute ID: 13787356 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

-Rol case number: 5350238021//5350238038// 5350238065//5350238102//5350238109//5350238114//5350238126//5350238146

Chargeback Initiated

Dispute ID: 13788167 DND: 2024-06-05 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5350251459// 5350251476

Dispute ID: 13788416 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-Rol case number: 5350251459// 5350251476

Jun 1, 2024, 20:51:23 PDT- funding Jun 1, 2024, 21:03:35 PDT- funding

Jun 1, 2024, 21:03:12 PDT- 51 June 2, 2024 12:04:59 PDT- auth

June 2, 2024 11:29:01 PDT- between June 2, 2024 12:04:59 PDT- auth

Dispute ID: 13788563 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13789681 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 10, 2024 07:33:09 PDT May 10, 2024 07:44:56 PDT

Dispute ID: 13789925 DND: 2024-06-05 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

4232232173435760

24060700000010

Dispute ID: 13790115 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 13, 2024 03:08:39 PDT

May 13, 2024 14:12:53 PDT

94042605680 2024-05-13 $3.24 Google 464134363580403 2357

May 13, 2024, 09:42:09 PDT- unfrreze

May 13, 2024 10:55:25 PDT- between

May 13, 2024, 14:58:06 PDT- unfrreze May 13, 2024 20:32:02 PDT- auth

4232231170282357

Chargeback Initiated

Dispute ID: 13790211 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13797840 DND: 2024-06-06 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Jun 5, 2024, 10:00:58 PDT June 5, 2024 10:02:07 PDT

5350792787

Dispute ID: 13797980 DND: 2024-06-06 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With unfreeze in a way that suggests they have control of the account
Rol case number: 5350792787

Chargeback Initiated

4232232191349811

5350792917 // 5350792924

Dispute ID: 13798076 DND: 2024-06-06 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

March 22, 2024 23:06:46 PDT- funding March 23, 2024 19:32:19 PDT- funding March 23, 2024 19:33:33 PDT-auth

March 22, 2024 23:16:02 PDT- auth

March 23, 2024 19:32:19 PDT-funding

March 23, 2024 19:33:33 PDT- auth March 24, 2024 18:19:40 PDT

Dispute ID: 13798330 DND: 2024-06-06 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

Jun 5, 2024, 10:28:24 PDT June 5, 2024 10:36:45 PDT

4985031163242577

5350806496// 5350842000// 5350842003

Dispute ID: 13798533 DND: 2024-06-06 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With unfreeze in a way that suggests they have control of the account
Rol case number: 5350806496// 5350842000// 5350842003

March 3, 2024 16:46:52 PST- funding

March 3, 2024 16:50:15 PST- auth

438019182- Mar 9, 2024, 05:28:49 PST- funding

March 9, 2024 05:30:44 PST- autth

Mar 18, 2024, 01:18:54 PDT- funding

March 18, 2024 01:19:22 PDT- auth

Mar 3, 2024, 16:46:52 PST

Mar 6, 2024, 16:45:03 PST

Chargeback Initiated

ROL-1622 Dispute is invalid under Dispute Condition 10.3 as the transaction was chip-initiated online authorized. ROL-1714 Dispute is invalid under Dispute Condition 10.3 as the transaction was electronically read.

Dispute is invalid as prior undisputed transactions were detected for this merchant. This transaction will not be counted as a fraud activity.
Chargeback Rejects due to Compelling Evidence (Reject code ROL-3544)

5350861562//5350861599// 5350861609//5350861618 //5350861624//24060700007593//5350861642// 5350861651//5350861666//5350861670 // 5350861679// 5350861684

Dispute ID: 13798942 DND: 2024-06-06 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
No Qualified funding event observed
No unfreezing event that suggest the full control of account.
Not a PIN Based transaction
Dispute is invalid as prior undisputed transactions were detected for this merchant. This transaction will not be counted as a fraud activity.
Chargeback Rejects due to Compelling Evidence (Reject code ROL-3544)

Erratum:

Dispute ID: 13789681 DND: 2024-06-05 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
No Qualified funding event observed
No unfreezing event that suggest the full control of account.
Not a PIN Based transaction
Dispute is invalid as prior undisputed transactions were detected for this merchant. This transaction will not be counted as a fraud activity.
Chargeback Rejects due to Compelling Evidence (Reject code ROL-3544)

Dispute ID: 13633214 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision outcome: Filed Chargeback Decision outcome reasoning:

No valid undisputed transaction was observed.
No sms override was observed.
No third party access.
No Qualified funding event
No unfreezing activity was observed.
Not a pin transaction.
AVS didn't match.
ROL-1622 Dispute is invalid under Dispute Condition 10.3 as the transaction was chip-initiated online authorized -ROL-1714 Dispute is invalid under Dispute Condition 10.3 as the transaction was electronically read.

Dispute ID: 13802920 DND: 2024-06-07 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13588911 DND: 2024-05-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny Pre-Arb Decision Outcome: Deny Claim Deny following Pre-Arb Outcome:

Pre Arbitration Issuer Liability

➼ Previous analyst file Pre-Arb, however the claim Arbitration received which merchant credit was received on May 13, 2024.

.Dispute ID: 13588911 DND: 2024-05-11 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: APPROVE Claim Approve following Pre-Arb Outcome:

Pre Arbitration Issuer Liability

➼ Previous analyst file Pre-Arb, however the claim Arbitration received which merchant credit was received on May 13, 2024.

Dispute ID: 13626920 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome:

➼ Acquirer accepted the liability

5351104166

Dispute ID: 13805201 DND: 2024-06-07 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
No Qualified funding event observed
No unfreezing event that suggest the full control of account.
Not a PIN Based transaction 5351104187

Dispute ID: 13806379 DND: 2024-06-07 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With 2 or more undisputed transactions with an exact match to the merchant
ROL case number: 5351088495
Pattern of use found for <> on <<March 9, 2024 09:21:38 PST>> and <<March 9, 2024 09:22:54 PST>>.

April 15, 2024 16:23:45 PDT

Dispute ID: 13808186 DND: 2024-06-07 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

5351139768

Dispute ID: 13810604 DND: 2024-06-08 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

July 27, 2023 18:05:58 PDT- auth

July 27, 2023 11:29:44 PDT- funding

July 27, 2023 14:15:04 PDT- funding

Dispute ID: 13813528 DND: 2024-06-08 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

5351149284

Dispute ID: 13813185 DND: 2024-06-08 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With SMS override AND no phone number changes within 48 hours AND no lost phone

-ROL case number: 5351149284

Dec 23, 2023, 12:35:49 -funding

Dec 24, 2023, 12:45:04 PST

December 24, 2024 11:06:13 PST- auth

4985031145052128

5351149343 // 5351149347//5351149348//5351149357//5351149364// 5351149366//5351149373//5351149378//5351149382//5351149385// 5351149386

Dispute ID: 13811364 DND: 2024-06-08 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

-ROL case number: 5351149343 // 5351149347//5351149348//5351149357//5351149364// 5351149366//5351149373//5351149378//5351149382//5351149385// 5351149386

5351187922

Dispute ID: 13531244 DND: 2024-05-04 Reg E - Unauthorized Transaction Decision Outcome: Approve

Decision Outcome Reasoning

No SMS Override No third party authorization With signs of ATO: Password changed Previous Analyst filed CB however the claim has no CB rights ROL Case Number 2443021324

Internal note: Previous analyst filed CB proceed to claim resolution

Dispute ID: 13565077 DND: 2024-05-08 Reg E - Unauthorized Transaction

Decision Outcome: Approve Charge back Decision Outcome: APPROVE Claim Approved following Charge back Outcome: ➼ Timeframe expired

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ pre arb Acquirer accepted the liability

Dispute ID: 13814147 DND: 2024-06-08 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

April 18, 2024 06:46:17 PDT- auth Apr 18, 2024, 06:45:40 PDT- unfrreze

Dispute ID: 13804862 DND: 2024-06-07 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

Dispute ID: 13706597 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback/ Pre Arb Decision Outcome: APPROVE Claim Approved following Chargeback/ Pre Arb Outcome: ➼ Acquirer accepted the liability ➼ Timeframe expired

Dispute ID: 13553577 DND: 2024-05-07 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback/ Pre Arb Decision Outcome: APPROVE Claim Approved following Chargeback/ Pre Arb Outcome: ➼ Acquirer accepted the liability ➼ Timeframe expired

Dispute ID: 13829261 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5351959794

May 23, 2024 07:09:22 PDT Dispute ID: 13820885 DND: 2024-06-09 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13826314 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Dispute ID: 13825283 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Dispute ID: 13551997 DND: 2024-05-07 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approved following Chargeback Outcome: ➼ Timeframe expired

➼ Previous analyst filed CB proceed to claim resolution

Dispute ID: 13608142 DND: 2024-05-14 Reg Z - Unauthorized Transaction

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

Acquirer accepted Liability. -Previous analyst filed CB proceed to claim resolution

Dispute ID: 13615478 DND: 2024-05-15 Reg Z - Unauthorized Transaction

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

Acquirer accepted Liability. -Previous analyst filed CB proceed to claim resolution

Dispute ID: 13669100 DND: 2024-05-22 Reg E - Unauthorized Transaction

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

Acquirer accepted Liability. -Previous analyst filed CB proceed to claim resolution

Dispute ID: 13557710 DND: 2024-05-07 Reg E - Unauthorized Transaction

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

➼Acquirer Response Timeframe Expired

Dispute ID: 13456488 DND: 2024-04-25 Reg Z - Unauthorized Transaction

Decision Outcome: Approve Chargeback/Pre-arb Decision Outcome: APPROVE Claim Approved following Chargeback/Pre-arb Outcome:

-Response timeframe expired -Unable to file pre arb (issuer liability)

Previous analyst filed CB proceed to claim resolution

Dispute ID: 13584165 DND: 2024-05-10 Reg Z - Unauthorized Transaction

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

➼Acquirer Response Timeframe Expired

Dispute ID: 13648807 DND: 2024-05-19 Reg Z - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ Acquirer Response Timeframe expired

Dispute ID: 13637960 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision Outcome: Approve Charge back Decision Outcome: APPROVE Claim Approved following Charge back Outcome: ➼ Acquirer accepted the liability

Dispute ID: 13831592 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Jun 7, 2024, 05:42:16 PDT June 7, 2024 15:02:26 PDT

5352499328//5352499338//5352499348//5352499352

Dispute ID: 13828410 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

-ROL case number: 5352499328//5352499338//5352499348//5352499352

March 28, 2024 12:33:41 PDT-auth

March 28, 2024 09:52:41 PDT- funding

Dispute ID: 13828761 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

-ROL case number: 5352499476

Dispute ID: 13829003 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 10, 2024 12:52:38 PDT- funding

May 16, 2024 16:43:06 PDT- funding

May 11, 2024 08:54:58 PDT- auth

Dispute ID: 13837380 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

Jun 7, 2024, 03:36:23 PDT- unfreeze June 7, 2024 03:36:29 PDT- auth

Dispute ID: 13832260 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

-ROL case number: 5352560578// 5352560616//5352560627

May 4, 2024 23:42:51 PDT- auth

May 6, 2024 06:26:24 PDT- funding- May 6, 2024 15:45:48 PDT- 2nd funding May 6, 2024 06:29:35 PDT- auth

13/14 emv star

fr- 6

4985031143744981

Dispute ID: 13829785 DND: 2024-06-10 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

-ROL case number: 5352560887// 5352560934// 5352560963// 5352575511//5352575542 // 5352575553//5352575558

Dispute ID: 13651173 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ Acquirer response Timeframe expired

Dispute ID: 13836440 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

June 7, 2024 21:44:19 PDT June 8, 2024 09:30:30 PDT

Dispute ID: 13842131 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

4985032184745523

24061200008477//24061200008487// 24061200008507//24061200008512

Chargeback Initiated

Dispute ID: 13836617 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Mar 5, 2024, 09:00:22 PST March 5, 2024 09:00:39 PST

Dispute ID: 13841117 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

Dispute ID: 13836898 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Decision Outcome: Deny Decision Outcome Reasoning:

No signs of remote login
No signs of ATO
Deny EMV transactions on Moto/Counterfeit claims

Mar 6, 2024, 15:59:39 PST-funding

Mar 6, 2024, 16:01:37 PST- funding

March 6, 2024 16:04:21 PST- auth

4985031165395860

5353144558 //5353144621//5353144672//5353144693// 5353144710 //5353144716

Dispute ID: 13843595 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

-ROL case number: 5353144558 //5353144621//5353144672//5353144693// 5353144710 //5353144716

Dispute ID: 13837507 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

June 7, 2024

19:21:19 PDT

June 7, 2024

03:54:50 PDT

5353144880// 5353144893

Dispute ID: 13837604 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

-ROL case number: 5353144880// 5353144893

4985032000443295

Jun 10, 2024, 04:45:05 PDT 1st

Jun 10, 2024, 09:45:46 PDT- 2nd

June 10, 2024 10:33:10 PDT- auth

Dispute ID: 13837769 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

-ROL case number: 5353175566 Related case 5353175567, Related case 5353175568, Related case 5353175569, Related case 5353175570, Related case 5353175571, Related case 5353175572, Related case 5353175573, Related case 5353175574, Related case 5353175575, Related case 5353175576, Related case 5353175577, Related case 5353175578, Related case 5353175579, Related case 5353175580, Related case 5353175581, Related case 5353175582, Related case 5353175583, Related case 5353175584, Related case 5353175585, Related case 5353175586, Related case 5353175587, Related case 5353175588, Related case 5353175589, Related case 5353175590, Related case 5353175591, Related case 5353175592, Related case 5353175593, Related case 5353175594, Related case 5353175595

Dispute ID: 13838685 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

February 11, 2024 15:35:18 PST-funding February 11, 2024 20:21:05 PST- auth

Dispute ID: 13839015 DND: 2024-06-11 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With qualified funding events

Dispute ID: 13588869 DND: 2024-05-11 Reg Z - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: ➼ Acquirer response timeframe expired

Dispute ID: 13839818 DND: 2024-06-12 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13595253 DND: 2024-05-12 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: ➼ Acquirer response timeframe expired

Dispute ID: 13700220 DND: 2024-05-26 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approved following Pre Arb Outcome: ➼ Acquirer response Timeframe expired

Dispute ID: 13697035 DND: 2024-05-25 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: ➼ Acquirer accepted the liability

Dispute ID: 13808095 DND: 2024-06-07 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: ➼ Acquirer accepted the liability

Dispute ID: 13595463 DND: 2024-05-12 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback/Pre-Arb Decision Outcome: Approve Claim Approve following Chargeback/Pre-Arb Outcome: -Acquirer response timeframe expired. -Acquirer accepted Liability.

Previous analyst filed CB, Proceed CB resolution

Dispute ID: 13845470 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With undisputed card present transactions on the lost or stolen card

Jun 10, 2024, 15:42:25 PDT- funding

June 10, 2024 16:19:18 PDT- 2nd funding June 10, 202416:28:52 PD- auth

Dispute ID: 13845525 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

Dispute ID: 13845704 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

Dispute ID: 13846527 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction is "EMV Chip" or any other entry mode AND the PIN was not changed, lost, or exposed

March 10, 2024 10:56:09 PDT 1st funding

Mar 10, 2024, 20:44:23 PDT 2nd funding

March 11, 2024

00:06:16 PDT

Dispute ID: 13847481 DND: 2024-06-12 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

5353896625

Dispute ID: 13847691 DND: 2024-06-13 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

-ROL case number: 5353896716// 5353896740

Jun 11, 2024, 07:31:16 PDT June 11, 2024 07:31:23 PDT

Dispute ID: 13847964 DND: 2024-06-13 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
unfreeze in a way that suggests they have control of the account

-ROL case number: 5353896716// 5353896740

Chargeback Submitted

5354413038//5354413044

Dispute ID: 13853342 DND: 2024-06-13 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4217836018175693

Dispute ID: 13853416 DND: 2024-06-13 Reg Z - Unauthorized Transaction Decision Outcome: Approve

Decision Outcome Reasoning:

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

-ROL case number: 5354413226//5354413231// 5354413235// 5354413242

Jun 11, 2024, 17:25:25 PDT

4232230289184843

5354413309// 5354413314

5354413339

Dispute ID: 13853588 DND: 2024-06-13 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13853752 DND: 2024-06-13 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13706802 DND: 2024-05-26 Reg E - Unauthorized Transaction

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

Acquirer accepted Liability.

Dispute ID: 13853929 DND: 2024-06-13 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

August 12, 2023 15:48:22 PDT- +$7.46

August 13, 2023 03:12:29 PDT- +$10.66

August 13, 2023 14:48:17 PDT- +$5.33

August 13, 2023 18:41:31 PDT- +$7.46

December 25, 2023 07:51:50 PST- auth

December 25, 2023 14:10:29 PST1st funding

December 28, 2023 9:13:17 PST 2nd funding

Dispute ID: 13854019 DND: 2024-06-13 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With Partial credit and remaining claim amount is more $25
No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

$18.60 Walmart Star 0659 - 2. 0254675820 2024-06-11 $15.96 Walmart.com Star - - 3. 0254608621 2024-06-11 $13.77 Walmart.com Star - - 4. 0254778014 2024-06-11 $18.47 Walmart.com Star - - 5. 0254445459 2024-06-11 $15.52

4232231187100659

Unauthorized Transaction

Chargeback Submitted

24061400007327//24061400007329// 24061400007331//24061400007332

Dispute ID: 13854535 DND: 2024-06-13 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

With Partial credit and remaining claim amount is more $25
No SMS Override
No Third Party Access
No Qualified funding event observed
No unfreezing event that suggest the full control of account.
Not a PIN Based transaction

June 12, 2024 07:50:10 PDT

June 12, 2024 10:28:34 PDT- auth

4232232138014874

5354501553 //5354501556// 5354501565 //5354501568// 5354501572//5354501605//5354501608// 5354501613//5354501623

Chargeback Submitted

Dispute ID: 13855373 DND: 2024-06-14 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

4232230288630085

5354501710

Related case 5354501711, Related case 5354501712, Related case 5354501713, Related case 5354501714, Related case 5354501715, Related case 5354501716, Related case 5354501717, Related case 5354501718

Dispute ID: 13855924 DND: 2024-06-14 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Jun 3, 2024, 17:38:16 PDT June 3, 2024 17:40:23 PDT

Dispute ID: 13856173 DND: 2024-06-14 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

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

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Jun 11, 2024, 16:26:37 PDT June 12, 2024 15:02:34 PDT

<> on <<1st undisputed transaction date>> and <<2nd undisputed transaction date>>.

5354568572

Dispute ID: 13856279 DND: 2024-06-14 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No CB rights
With 2 or more undisputed transactions with an exact match to the merchant

-ROL case number: 5354568572

Jun 12, 2024, 07:52:02 PDT- unfreeze June 12, 2024 15:45:37 PDT- auth

Dispute ID: 13856394 DND: 2024-06-14 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account

-ROL case number: 5354568614

Dispute ID: 13856480 DND: 2024-06-14 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
With SMS override AND no phone number changes within 48 hours AND no lost phone

Decision Outcome: Approve Chargeback/ Pre Arb Decision Outcome: APPROVE Claim Approve following Chargeback/ Pre Arb Outcome: ➼ Acquirer accepted the liability ➼ Acquirer Response Timeframe expired

Dispute ID: 13749548 DND: 2024-06-01 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: Approve Claim Approve following Pre-arb Outcome: -Acquirer response timeframe expired.

Pre Arb Won

Dispute ID: 13574298 DND: 2024-05-09 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: Approve Claim Approve following Pre-arb Outcome: -Acquirer response timeframe expired.

Dispute ID: 13537446 DND: 2024-05-05 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: Approve Claim Approve following Pre-arb Outcome: -Acquirer response timeframe expired. -Previous analyst filed CB proceed to claim resolution

Dispute ID: 13574822 DND: 2024-05-09 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: Approve Claim Approve following Pre-arb Outcome: -Acquirer response timeframe expired.

Dispute ID: 13649833 DND: 2024-05-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: Approve Claim Approve following Pre-arb Outcome: -Acquirer response timeframe expired.

Dispute ID: 13746380 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre-Arb Decision Outcome: Approve Claim Approve following Pre-arb Outcome: -Acquirer response timeframe expired.

Dispute ID: 13620440 DND: 2024-05-15 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired.

Dispute ID: 13866681 DND: 2024-06-15 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13866754 DND: 2024-06-15 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-ROL case number: 5355059368

Apr 17, 2024, 15:22:08 PDT April 18, 2024 04:43:36 PDT

Dispute ID: 13866801 DND: 2024-06-15 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
With signs of ATO

Dec 8, 2022, 15:31:22 PST December 8, 2022 15:59:08 PST

4985031135938971

3 wala 12 wala 23 wala 33 wala 49 wala 50 wala 51 wala 52 wala 53 wala 54 wala 56 wala 57 wala 61 wala 73 wala 76: 04113576529 2023-03-01 $43.50 Atm Withdrawal 303061029102632 8971

81 wala 89 wala 91 wala 93 wala 100. 04220755589 2023-03-24 $42.95 Atm Withdrawal 303083735858672 8971

wala
wala 128 wala 132 wala 136 wala
04421531879 2023-05-08 $23.00 Atm Withdrawal 303128670592455 8971
04425029898 2023-05-09 $23.75 Atm Withdrawal 383129618882775 8971
wala 148 wala
04487594595 2023-05-23 $23.00 Atm Withdrawal 463143806767261 8971

4985031135938971

Dispute ID: 13866987 DND: 2024-06-15 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With unfreeze in a way that suggests they have control of the account
ROL case number: 5355096364 Related case 5355096368 //5355096406// 5355116036// Related case 5355116037, Related case 5355116038, Related case 5355116039, Related case 5355116040 //5355116116// Related case 5355116117 //5355116125// 5355116248//5355116290// 5355116311// Related case 5355116312, Related case 5355116313// Related case 5355116373//5355116387//5355124001// 5355124041//Related case 5355124042, Related case 5355124043, Related case 5355124044, Related case 5355124045, Related case 5355124046 //5355124118// Related case 5355124119, Related case 5355124120 //5355124136//5355124233 // 5355124270//5355124320 // Related case 5355124321, Related case 5355124322, Related case 5355124323, Related case 5355124324 // 5355124359//5355124420// 5355124463 // 5355133656// 5355133691//5355133712//5355097323, 5355097333, 5355097357, 5355097369, 5355097395, 5355097408, 5355097409, 5355097426, 5355097443, 5355097469, 5355097468, 5355097492, 5355116526, 5355116527, 5355116554, 5355116555, 5355116572, 5355116573, 5355116602, 5355116627, 5355116640, 5355116691, 5355116707, 5355116708, 5355116807, 5355116856, 5355116858, 5355116857, 5355116883, 5355125708, 5355116892, 5355116893, 5355125721, 5355116921, 5355125660, 5355125848, 5355125849, 5355125850, 5355125851

Dispute ID: 13873555 DND: 2024-06-16 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

With find undisputed card present transactions on the lost or stolen card

24061800000018

Dispute ID: 13873603 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

June 9, 2024 07:55:43 PDT-auth June 9, 2024 07:42:26 PDT- unfreeze

Dispute ID: 13873727 DND: 2024-06-16 Reg Z - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO
With qualified funding events

Jun 6, 2024, 16:09:40 PDT June 6, 2024 16:20:09 PDT

Dispute ID: 13873808 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO -With unfreeze in a way that suggests they have control of the account

Dispute ID: 13873843 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO -With unfreeze in a way that suggests they have control of the account

-ROL case number: 5355585467// 5355585480

Jun 12, 2024, 13:59:56 PDT June 12, 2024 14:00:39 PDT

Dispute ID: 13873870 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of remote login or Chime impersonation scams
No signs of ATO -With unfreeze in a way that suggests they have control of the account

5355603164

Dispute ID: 13873905 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13873971 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction is "EMV Chip" or any other entry mode AND the PIN was not changed, lost, or exposed

Dispute ID: 13628480 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired. -Acquirer accepted the liability

Dispute ID: 13692293 DND: 2024-05-24 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approve following Pre Arb Outcome: -Acquirer response Timeframe expired

Dispute ID: 13622829 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired.

Dispute ID: 13627829 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback/Pre-arb Decision Outcome: APPROVE Claim Approve following Chargeback/Pre-arb Outcome: ➼ Acquirer response Timeframe expired

Dispute ID: 13645025 DND: 2024-05-18 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback/Pre-arb Decision Outcome: APPROVE Claim Approve following Chargeback/Pre-arb Outcome:

Acquirer response Timeframe expired
Acquirer accepted the liability

Dispute ID: 13628049 DND: 2024-05-16 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired.

Dispute ID: 13589120 DND: 2024-05-11 Reg Z - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approve following Pre Arb Outcome: -Acquirer response Timeframe expired

Previous analyst filed CB proceed to claim resolution

ROL CASE # 5355659853//5355659868// 5355659886//5355659898//5355659917// 5355659930//5355659938//5355659943//5355659949//5355659959 //5355659970// 5355659972// 5355659978// 5355659982//5355659994//5355673005

Dispute ID: 13633214 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired. -Unable to reset Chargeback outcome inspector already closed -Previous analyst filed CB proceed to claim resolution

Dispute ID: 13875558 DND: 2024-06-16 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

No signs of ATO
With PIN transaction is "EMV Chip" or any other entry mode AND the PIN was not changed, lost, or exposed

-ROL case number: 5355695528// 5355695535

Dispute ID: 13745483 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer accepted the liability

Dispute ID: 13885609 DND: 2024-06-17 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With undisputed card present transactions on the lost or stolen card

-ROL case number: 5356312658

Dispute ID: 13747577 DND: 2024-05-31 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer accepted the liability

Dispute ID: 13638213 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired.

Dispute ID: 13676088 DND: 2024-05-22 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer accepted the liability

Dispute ID: 13633125 DND: 2024-05-17 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer accepted the liability -Acquirer response timeframe expired. -Previous analyst filed CB proceed to claim resolution

Jan 6, 2023, 19:43:41 PST- unfreeze January 6, 2023 19:44:50 PST-auth

Dispute ID: 13894341 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of remote login or Chime impersonation scams -No signs of ATO -With unfreeze in a way that suggests they have control of the account

5356330273//5356330278

Dispute ID: 13892941 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With undisputed card present transactions on the lost or stolen card

-ROL case number: 5356330273//5356330278

Dispute ID: 13890994 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With undisputed card present transactions on the lost or stolen card

-ROL case number: 5356354655// 5356354662// 5356354673//5356354686// 5356354696//5356354705

Jun 12, 2024, 13:45:28 PDT June 12, 2024 18:53:31 PDT

Dispute ID: 13883394 DND: 2024-06-17 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of ATO -With qualified funding events

Dispute ID: 13890300 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of ATO -With qualified funding events

Dispute ID: 13889334 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

5356843355// 5356843377

Dispute ID: 13889398 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13889457 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

ROL case number: 5356852739// 5356852764// 5356852776//5356852804// 5356852824// 5356852834//5356852844

Dispute ID: 13889507 DND: 2024-06-18 Reg Z - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13893126 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With undisputed card present transactions on the lost or stolen card

June 17, 2024 08:49:47 PDT

June 17, 2024 08:47:39 PDT

Dispute ID: 13899459 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of ATO -With qualified funding events

-ROL case number: 5356884585//5356884597

Dispute ID: 13899380 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of remote login or Chime impersonation scams -No signs of ATO

Deny EMV transactions on Moto/Counterfeit claims

Dispute ID: 13900838 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

01:09:10 PDT 4232231198787361

Dispute ID: 13898368 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of ATO -With PIN transaction is "EMV Chip" or any other entry mode AND the PIN was not changed, lost, or exposed

-ROL case number: 5356897748//5356897754

5356897962//5356897993

Dispute ID: 13899547 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

Dispute ID: 13892205 DND: 2024-06-18 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

Dispute ID: 13902355 DND: 2024-06-20 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With find undisputed card present transactions on the lost or stolen card

Dispute ID: 13896342 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-With find undisputed card present transactions on the lost or stolen card

Dispute ID: 13901278 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-ROL case number: 5356930965//5356930990// 5356940519

5357478512// 5357478530 //5357478552//5357478575

Dispute ID: 13898937 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of remote login or Chime impersonation scams -No signs of ATO -With find 2 or more undisputed transactions with an exact match to the merchant

-ROL case number: 5357478512// 5357478530 //5357478552//5357478575

5357478767// 5357478805//5357478819//5357478822//5357478834// 5357478843

Dispute ID: 13902559 DND: 2024-06-20 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of remote login or Chime impersonation scams -No signs of ATO -With find 2 or more undisputed transactions with an exact match to the merchant

-ROL case number: 5357478767// 5357478805//5357478819//5357478822//5357478834// 5357478843

Dispute ID: 13777082 DND: 2024-06-04 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approve following Pre Arb Outcome: -Acquirer response Timeframe expired

5357492616

Dispute ID: 13901648 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

-With Partial credit and remaining claim amount is less than $25

Dispute ID: 13802334 DND: 2024-06-07 Reg E - Unauthorized Transaction

Decision Outcome: Approve Pre Arb Decision Outcome: APPROVE Claim Approve following Pre Arb Outcome: -Acquirer response Timeframe expired

Jun 17, 2024, 18:24:05 PDT

June 18, 2024 10:59:22 PDT June 18, 2024 10:58:44 PDT

5357509312// 5357509321

Dispute ID: 13898809 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of remote login or Chime impersonation scams -No signs of ATO -With qualified funding events

-ROL case number: 5357509312// 5357509321

Dispute ID: 13532917 DND: 2024-05-04 Reg E - Unauthorized Transaction

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: -Acquirer response timeframe expired. -Previous analyst filed CB proceed to claim resolution

Jun 13, 2024, 03:34:16 PDT June 13, 2024 18:22:38 PDT

Dispute ID: 13908211 DND: 2024-06-20 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

No SMS Override
No Third Party Access
With signs of ATO
CB rights

Dispute ID: 13901494 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Filed Chargeback

Decision Outcome Reasoning:

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

May 19, 2024 18:28:48 PDT

May 19, 2024 23:58:54 PDT

Dispute ID: 13904976 DND: 2024-06-20 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of remote login or Chime impersonation scams -No signs of ATO -With qualified funding events

5357535677//5357535697

Dispute ID: 13899149 DND: 2024-06-19 Reg E - Unauthorized Transaction

Decision Outcome: Approve

Decision Outcome Reasoning:

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

-ROL case number: 5357535677//5357535697

Decision Outcome: Approve Chargeback Decision Outcome: APPROVE Claim Approve following Chargeback Outcome: ➼ Acquirer accepted liability

Decision Outcome: Approve Chargeback/Pre-arb Decision Outcome: APPROVE Claim Approve following Chargeback/Pre-arb Outcome:

➼ Acquirer response Timeframe expired ➼ Acquirer accepted liability.

Jul 4, 2023, 12:24:25 PDT

July 4, 2023 14:19:18 PDT

Dispute ID: 13908452 DND: 2024-06-20 Reg E - Unauthorized Transaction

Decision Outcome: Deny

Deny Decision Outcome Reasoning:

-No signs of ATO -With PIN transaction is "EMV Chip" or any other entry mode AND the PIN was not changed, lost, or exposed