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 13. 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 <> and <>. 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 15 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 111. wala 119. wala 128 wala 132 wala 136 wala 141. 04421531879 2023-05-08 $23.00 Atm Withdrawal 303128670592455 8971 142. 04425029898 2023-05-09 $23.75 Atm Withdrawal 383129618882775 8971 143. wala 148 wala 158. 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