NOTATION

Dispute ID: 10534453 DND : 2023-06-21 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 10 Transaction Type: Card Not Present VROL CASE # 5272908042

CH Filed 1 Unauthorized Transaction. Amounting $ XXX Dispute type: Debit . Intake Type: Via XXXX. Reg-E Claim- Unauthorized Transaction. Card is in possession at time of transaction. PIN status was XXX. No merchant credit No claim cancellation

Dispute ID: 10534453 DND : 2023-06-21 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 10 Transaction Type: Card Not Present VROL CASE # 5272908042

CH Filed 1 Unauthorized Transaction. Amounting $ 38.58 Dispute type: Debit . Intake Type: Via Mobile. Reg-E Claim- Unauthorized Transaction. Card is in possession at time of transaction. PIN status was Memorized. No merchant credit No claim cancellation

= OVERALL INVESTIGATION =

• No manual funding observed prior the authorization of the disputed transaction.
• No spending pattern Observed
• No Cash-in/cash-out observed within UT timeline.
• No freezing and unfreezing activity within UT timeline.

HOWEVER,

• Low Ending Balance after the authorization of the disputed transaction
• No previous history from the disputed merchant
• Merchant is Abnormal to CH
• Spending amount is Abnormal from the CH
• Spending velocity is Abnormal
• No fraud alert captured related to disputed transaction
• No PII changes during the disputed timeframe. No hallmarks of ATO. -The disputed transaction is credentials on file.
• As per RTA/Gali Deny code (s) 05, 46, 51, captured link to the disputed merchant within the UT timeline.

Therefore, Not enough evidence to deny the claim. Filed CB . Issued PVC. ZD # 69721496 . Case ongoing.

2023-06-21 13:50:08 2023-06-20 14:38:57 Auth ID: 088189

4267

PAN: 4232230226454267 CLUSTERChime1 CHECKING ACCOUNT NUMBER: 156156765059

1. 97432387059 2023-06-20 $38.58 MicrosoftXbox Visa - - MicrosoftXbox, 425-6816830, WAUS

============================================== Dispute ID: 10519960 DND : 2023-06-20 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 10 Transaction Type: Card Not Present VROL CASE # 5272237611

CH Filed 1 Unauthorized Transaction. Amounting $50.00. Dispute type: Debit . Intake Type: Via Phone. Reg-E Claim- Unauthorized Transaction. Card is not in possession at time of transaction. PIN status Secured. No merchant credit No claim cancellation

= OVERALL INVESTIGATION =

• No manual funding observed prior the authorization of the disputed transaction.

• No previous history from the disputed merchant

• Merchant is abnormal to CH

• Dollar amount abnormal

• Spending velocity abnormal

• No spending pattern Observed

• No continuous funding

• No Cash-in/cash-out observed within UT timeline.

• No freezing and unfreezing activity within UT timeline.

• Low Ending Balance after the authorization of the disputed transaction -No fraud alert captured related to disputed transaction

• No PII changes during the disputed timeframe. No hallmarks of ATO.

• Disputed transaction has entry mode 10 credential on file NO response code 85 captured during the authorization of the disputed transaction.

• As per RTA/Gali Deny code 51 captured within the UT timeline but not related on disputed merchant Not enough evidence to deny the claim. Filed CB . Issued PVC. ZD # 69663543 . Case ongoing.

CASH APP*CHARITA HE, 8774174551, CAUS 2023-06-10 17:06:40 2023-06-09 09:38:10

PAN: 4232231178290766

1. 92578720467 2023-06-09 $50.00 Cash App Charita He Visa 0766 -

=========================================== Dispute ID: 10522415 DND : 2023-06-20 Reg-E Claim Unauthorized Transaction Transaction Type: Card Present EMV Chip

CH Filed 2 Unauthorized Transaction. Amounting $277.50. Dispute type: Debit . Intake Type: Via Phone. Reg-E Claim- Unauthorized Transaction. Card is not in possession at time of transaction. PIN status Memorized. No merchant credit No claim cancellation

For Approval:

• No funding observed prior the authorization of the disputed transaction.
• No Cash-in/cash-out observed within UT timeline.
• No continuous funding

Investigation:

• Disputed transaction is PIN based Pin is memorized NO PIN change nor PIN failed attempts captured within UT timeline.
• With previous history from the disputed merchant
• Spending Velocity is Normal.
• Spending amount is Normal.
• Merchant is normal from CH.
• Spending pattern was observed since September 2022 until February 2023 which is 6 consecutive months
• Balance exhausted after the AUTH of the disputed transaction
• Disputed merchant is within CH vicinity
• With freezing and unfreezing activity within UT timeline.
• No PII changes during the disputed timeframe. No hallmarks of ATO.
• No fraud alert captured related to disputed transaction.
• As per Gali/RTA no deny code captured within UT timeline
• Enough evidence to deny the claim. Unable to file FR due to no access on STAR network. Final letter sent with ZD 69661805 . Case ongoing.

2023-05-25 09:55:06

2023-05-23 12:58:39

PAN: 4232230246114073 CLUSTERChime1 CHECKING ACCOUNT NUMBER: 156131355521

PNC BANK 317 MYATT DR, MADISON, TNUS

1. 0193918678 2023-05-23 $275.00 Atm Withdrawal Star 4073 -
2. 593435490 2023-05-25 $2.50 Cash Withdrawal Fee None - -

############################################## Dispute ID: 10508526 DND : 2023-06-19 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 01 Transaction Type: Card not Present VROL#: 5271604433

CH Filed 1 Unauthorized Transaction from T Mobile merchant amounting $50.00. Dispute type: Debit . Intake Type: Via Phone. Reg-E Claim- Unauthorized Transaction. Card is in possession at time of transaction. PIN status Secured. No merchant credit No claim cancellation

= OVERALL INVESTIGATION =

• No spending pattern observed.

• No Cash-in/cash-out observed within UT timeline.

• No freezing and unfreezing activity within UT timeline.

• Manual funding was observed However, not intended to the disputed transaction.

• Balance exhausted after the AUTH of the disputed transaction

• Spending Velocity is Normal.

• Spending amount is Normal.

• Merchant is normal from CH.

• With history from T Mobile.

• No fraud alert captured related to disputed transaction.

• No PII changes during the disputed timeframe. No hallmarks of ATO.

• No deny code observed within the disputed timeline.

Not enough evidence to deny the claim. Filed CB . Issued PVC. ZD # 69599820 . Case ongoing.

Auth ID: 028411 PAN: 4232232006153762 METRO BY T-MOBILE MOBI, 888-863-8768, WAUS 2023-06-03 17:54:48-set 2023-06-02 06:55:35-auth Chime4 CHECKING ACCOUNT NUMBER 389139645052

Dispute ID: 10509005 DND: 2023-06-19 Reg E - Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 10 Transaction Type: Card Not Present VROL#: 5271575624

CH Filed 1 Unauthorized Transaction from Ic Instacart merchant amounting $39.47. Dispute type: Debit . Intake Type: Via Phone. Reg-E Claim- Unauthorized Transaction. As per Penny "UT happened on the temporary card at time of transaction". PIN status was memorized. No merchant credit No claim cancellation

= OVERALL INVESTIGATION =

• No spending pattern observed.
• No Cash-in/cash-out observed within UT timeline.
• With PII changes during the disputed timeframe.

HOWEVER

• Manual funding observed prior the authorization of the disputed transaction.
• Member's SpotMe limit was changed from $35 to $30.
• Balance exhausted after the AUTH of the disputed transaction
• Spending Velocity is Normal.
• Spending amount is normal.
• With history from Instacart.
• Merchant is normal to CH
• Disputed transaction has entry mode 10 credential on file NO response code 85 captured during the authorization of the disputed transaction.
• No fraud alert captured related to disputed transaction.
• With freezing and unfreezing activity within UT timeline.
• No hallmarks of ATO.
• No deny codes observed within the disputed timeline.

Enough evidence to deny the claim. Therefore no error found. File FR with VROL# 5271575624. Final letter sent with ZD# 69596107. Case closed

Dispute ID: 10502676 DND : 2023-06-18 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 1Entry Mode: 10 Transaction Type: Card present VROL#: 5271250117

CH Filed 1 Unauthorized Transaction from Walmart merchant amounting $168.82. Dispute type: Debit . Intake Type: Via Mobile. Reg-E Claim- Unauthorized Transaction. Card is in possession. PIN status was memorized. No merchant credit No claim cancellation

= OVERALL INVESTIGATION =

• No Cash-in/cash-out observed within UT timeline.

• No freezing and unfreezing activity within UT timeline.

• No suspicious declined/Response codes captured link to the disputed merchant.

• No manual funding event prior the AUTH of the disputed transaction. HOWEVER,

• With history from merchant. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.

• Spending pattern was observed from the disputed merchant.

• Merchant is normal from the CH

• Spending amount is Abnormal.

• Spending Velocity is Normal.

• High ending balance after the AUTH of the disputed transaction

• No fraud alert captured related to disputed transaction.

• No PII changes during the disputed timeframe. No hallmarks of ATO.

Enough evidence to deny the claim. Therefore no error found. Case closed. ZD# 69552183.

PAN: 4232230280843629 Received re-presentment from the merchant only full name matched on the record on file, however email address did not match.

Dispute ID: 10501777 DND : 2023-06-18 Reg-E Claim Unauthorized Transaction MOTO/ECI: 1 Entry Mode: 01 Transaction Type: Card not present VROL#: XXXXX

Timeline: 2023-05-08 16:50:11 2023-05-09 14:07:15 auth: 36885 PAN: 4232230106270254 2023-05-07

CH Filed 1 Unauthorized Transaction from INTOWN SUITES CARROLLT merchant amounting $52.64. Dispute type: Debit . Intake Type: Via Phone. Reg-E Claim- Unauthorized Transaction. PIN and Card status are not verified . Transaction is card not present. No merchant credit No claim cancellation

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦

✦ No funding event that happened prior to the authorization of the disputed transaction. ✦ No Cash-in/cash-out observed within UT timeline. ✦ No Spending pattern was observed from the disputed merchant.

HOWEVER, ✦ With previous history with INTOWN SUITES. ✦ Merchant is normal. Spending amount and velocity is normal. ✦ Balance Exhausted after the authorization of the disputed transaction ✦ No suspicious declined/Response codes captured link to the disputed merchant. ✦ No fraud alert captured related to disputed transaction. ✦ With freezing and unfreezing activity within UT timeline. ✦ No PII changes during the disputed timeframe. No hallmarks of ATO.

Enough evidence to deny the claim. Therefore no error found. Case closed. ZD# XXXXX.

1. 7218386200 7219753765 2023-05-08 $52.64 Intown Suites Carrol… Visa 0254 -036885 INTOWN SUITES CARROLLT, CARROLLTON, TXUS 2023-05-08 16:50:11/2023-05-09 14:07:15

Dispute ID:10448150 DND : 2023-06-13 Reg-E Claim Unauthorized Transaction MOTO/ECI: 2 Entry Mode: 10 Transaction Type: Card Absent VROL#: 2341144030 / 2341144038 / 2341144050 / 2341144060

CH Filed 4 Unauthorized Transaction from Apple merchant amounting $34.05 in total. Dispute type: Debit . Intake Type: Via MOBILE. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-09-11 Card Status: Card was stolen. PIN status was in "In my notes" as per penny . Transaction is card absent. No merchant credit No claim cancellation

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦

⬤ No funding event that happened prior to the authorization of the disputed transaction. ⬤ No Cash-in/cash-out observed within UT timeline. ⬤ With Response/Deny code (s) 46, 51, 78, captured link to the disputed merchant within the UT timeline.

HOWEVER

⬤ With history from merchant. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised. ⬤ Spending pattern was observed with the disputed merchant. ⬤ Spending amount and velocity is normal from the disputed merchant. ⬤ With previous history of the same merchant ⬤ Low ending balance after the AUTH of the disputed transaction ⬤ No fraud alert captured related to disputed transaction. ⬤ As per RTA, Recurring flag YES. ⬤ With freezing and unfreezing activity within UT timeline. ⬤ No PII changes during the disputed timeframe. No hallmarks of ATO.

Enough evidence to deny the claim. Therefore no error found. Case closed. ZD# 69415082

09466256480...09451

Dispute ID: 10443131 DND : 2023-06-12 Reg-E Claim Unauthorized Transaction MOTO/ECI: 2, blank Entry Mode: 10, 7 Transaction Type: Card present VROL#: 2341086021 / 2341086066

CH Filed 2 Unauthorized Transaction from Shell Oil and Nine9 different merchants amounting $83.01 in total. Dispute type: Debit . Intake Type: Via MOBILE. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-09-10 Card Status: Card is not in possession at the time of transaction. PIN status was in "Notepad in my car" as per penny . Transaction present. No merchant credit No claim cancellation

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦

• With funding event that happened prior to the authorization of the disputed transaction.

• Multiple Cash-in/cash-out observed within UT timeline.

• Low ending balance after the AUTH of the disputed transaction

• No fraud alert captured related to disputed transaction.

• As per RTA, Recurring flag YES.

• No freezing and unfreezing activity within UT timeline.

• No PII changes during the disputed timeframe. No hallmarks of ATO.

• With deny code (s) 46, 55, 51,10 found on the same card- within the UT timeline.

• With history from merchant NINE9. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.

• Spending amount and velocity is normal with the same merchant NINE9. *The location of the disputed card present transaction is outside the vicinity of CH location the approximate travel time is 34 minutes. *No spending pattern established *With previous history history with SHELL OIL but not on the same exact address.

• Spending amount and velocity is abnormal

Enough evidence to deny the claim. Therefore no error found. Case closed. ZD# 69410039.

2023-06-01 11:11:03 2023-06-13 15:23:27 $43.06 $39.95 merchant: | SHELL/SHELL, WIXOM, MIUS NINE9, 866-6075382, MIUS

Dispute ID: 10446376 DND : 2023-06-12 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 01 Last 4 of PAN: 2199 Transaction Type: Card not present VROL#: 2341002429

Dispute ID: 10446376 DND: 2023-06-12 Dispute type: Debit . via Phone. Amounting $252.00. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-09-10 Card Status: Card is not in possession at the time of transaction. PIN status was in "Piece of paper in her wallet" as per penny . Transaction is card not present. No merchant credit No claim cancellation

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦R

No Manual funding observed prior the authorization of the disputed transaction. No history from the disputed merchant. Spending pattern was observed with the disputed merchant. Dollar amount is Abnormal. Spending velocity is Normal Almost exhausted ending balance after the AUTH of the disputed transaction. No Cash-in/cash-out observed within UT timeline. No suspicious declined/Response codes captured link to the disputed merchant. No high risk was captured within the disputed timeframe No fraud alert captured related to disputed transaction. No freezing and unfreezing activity within UT timeline. No PII changes during the disputed timeframe. No hallmarks of ATO.

However

Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.

Continuous funding event was observed after the authorization of the disputed transaction while the card was said not in possession. Example of which is dated on 2023-06-11 10:41:16 via Visa Money Transfer.1

Not enough evidence to deny the claim. Filed CB . Issued PVC. ZD # 69402284. Case ongoing.

IncorrectUser456*

PAN 4985032021972199 AUTH ID 043895

2023-06-12 15:38:08 2023-06-10 10:56:58

Online transaction STRONG DENIAL *if the disputed transaction is entry mode 10, no response code 85 captured within UT timeline, no compromised phone no phone lost or stolen/ with prev. transaction with the same merchant.

*PI (Purchase inq. in VROL is yes must be exact info. as the same on admin inform. *Funding event, if its prior must be minutes or seconds prior to the auth. no transaction in between prior to the auth of the disputed transaction and balance must be exhausted after the disputed transaction.

Dispute ID: 10445997 DND: 2023-06-12 Reg E - Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 01 Last 4 of PAN: 0446 Transaction type: Case decision: VROL Case:

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦ PAN: 4985031136210446

Dispute ID: 10445997 DND: 2023-06-12 Dispute type: Debit . via Mobile. Amounting $481.95. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-09-10. Card Status: Card is not in possession at the time of transaction. PIN status was "My folders at home" as per Penny. Transaction is card not present. No merchant credit No claim cancellation

• No funding event that happened prior to the authorization of the disputed transaction.
• No Spending pattern was observed within UT timeline.
• Spending velocity is Normal
• Dollar amount is Abnormal
• With previous transaction from the disputed merchant.
• High ending balance after the AUTH of the disputed transaction.

========================================= Dispute ID: 10320829 DND : 2023-06-12 Reg-E Claim Unauthorized Transaction MOTO/ECI: Blank Entry Mode: 90 Last 4 of PAN: 6049 Transaction Type: Card Present EMV Fallback with no CB rights Case Decision: Approve VROL Case: 2339801424

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦

Dispute ID: 10320829 DND: 2023-06-12 Dispute type: Debit . via Phone. Amounting $400.00. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-07-27. Card Status: Card is in possession at the time of transaction. PIN status was Memorized. Transaction is card not present. No merchant credit No claim cancellation

• Manual funding observed prior the authorization of the disputed transaction however it is not intended nor anticipated for the disputed transaction since the account balance was high ending and enough to cover the disputed amount indication that the disputed transaction will still go through without the funding event.
• No Spending pattern Observed
• No Cash-in/cash-out observed.
• No Valid undisputed card present EMV transaction
• Pin denial because there are no deny codes 55 (pin failure) and there are no pin changes observed within the UT timeline while it was stated that the pin was memorized.
• No History from the same merchant.
• Merchant was abnormal.
• Dollar Amount is Abnormal
• Spending velocity is Abnormal.
• High ending balance after the AUTH of the disputed transaction
• No fraud alert captured related to disputed transaction.
• No recurring flag
• No freezing/unfreezing event/s related to the compromised card during the disputed timeline.
• No PII changes during the disputed timeframe. No hallmarks of ATO.
• With deny code (s) 46, 59 within the UT timeline.
• The location of the disputed card present transaction is outside the vicinity of CH location the approximate travel time is 1 hour 22 minutes away.

Therefore, Not enough evidence to deny the claim. Error found. Sent ZC# 69276681. Case Close.

========================================= Dispute ID: 10446376 DND : 2023-06-12 Reg-E Claim Unauthorized Transaction MOTO/ECI: 7 Entry Mode: 01 Last 4 of PAN: 2199 Transaction Type: Card not present Case Decision: VROL Case:

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦

Dispute ID: 10446376 DND: 2023-06-12 Dispute type: Debit . Intake Type: Via PHONE. Amounting $252.00. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-09-10 Card Status: Card is not in possession at the time of transaction. PIN status as per penny "Piece of paper in her wallet" . Transaction is card not present. No merchant credit No claim cancellation

Card still active, Sent card closure request. ticket # 69268849‬ Case ongoing.

============================================

Dispute ID:10412819 DND date:2023-06-12 Reg-E Claim Unauthorized Transaction MOTO/ECI: 2 Entry Mode: 01 Last 4 of PAN: 3629 Transaction Type: Card not present Case Decision: Chargeback VROL Case: 2339687750

✦ 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐆𝐀𝐓𝐈𝐎𝐍𝐒 ✦

Dispute ID:10412819 DND date:2023-06-12 Dispute type: Debit . via Phone. Amounting $72.99. Reg-E Claim- Unauthorized Transaction. Resolution is due on 2023-09-10 Card Status: Card is in possession at the time of transaction. PIN status was Memorized. Transaction is card not present. No merchant credit No claim cancellation

• No funding event that happened prior to the authorization of the disputed transaction.
• No History from the same merchant.
• Merchant was abnormal.
• Dollar Amount is Abnormal
• Spending velocity is Abnormal.
• No spending pattern observed
• No Cash-in/cash-out observed.
• Exhausted balance after the AUTH of the disputed transaction.
• No fraud alert captured related to disputed transaction.
• No deny codes observed within the disputed timeline.
• No freezing/unfreezing event/s related to the compromised card during the disputed timeline.
• No PII changes during the disputed timeframe. No hallmarks of ATO.
• As per RTA, Recurring flag YES.
• PI on Visa shows that the complete name matches, however the address and the email did not match the cardholder's records on file.

Therefore, Not enough evidence to deny the claim. PC issued ZD#69265870. Case ongoing.