INVESTIGATION:

560573 30094037 Card Not Present

Dispute ZD#560573. MDL. CH claimed 1 SERVICE/MERCHANDISE NOT RECEIVED from AMZN Mktp US*HT7X80QA1 for a total disputed amount $36.14 dated 10/16/2022. Verbal notification date: 10/23/2022. Written confirmation date: 10/23/2022. Non-Reg E Case. Old Account. CB requested on: 10/24/2022. CH is not eligible for PV credit. Non Reg E letter sent on: 10/24/2022. Resolution TF may take up to 90 days. Case ongoing.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Merchant is under the DNC list (AMZN Mktp US)
• Insufficient reason to deny the claim
• Initiated chargeback

Not to issue PVC. CH stated that the item has not been received. No response from merchant contacted October 21, 2022 via Amazon app. SERVICE/MERCHANDISE NOT RECEIVED. ZD Ticket #560573_MDL

560591 30094085

Dispute ZD#560591. MDL. Final determination memo associated with 4 UT POS/ATM claim from multiple merchants for the total amount of $89.50 dated 10/21/2022. Verbal date 10/23/2022. Written date 10/23/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 10/25/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card is lost since 10/23/2022
• Pin is written.
• Card Present and Card Not Present transaction
• The address of the disputed merchant (3555 INLAND EMPIRE BLVD, ONTARIO) is 33 away from the CH address. This is within the vicinity of the CH location.
• There is a funding transaction within the disputed timeline. This implies that the cardholder is funding the account despite his claim that the card was not in his possession.
• There is no balance inquiry found prior, nor in between the disputed transactions. It appears that the user of the card is aware of the available funds on the account.
• No declined transaction/s associated to the claim in question occurred within the dispute timeline which indicates that the user of the card is aware of the available balance on the card.
• Based on our record, Device ID "24404668-0ee0-54cc-951c-131604077300" first seen on 05/07/2022 was used to login with the UT transaction from merchant CASH APPJAAYLA XO dated 10/21/2022
• Based on our record, Device ID "24404668-0ee0-54cc-951c-131604077300" first seen on 05/07/2022 was used to login with the UT transaction from merchant Txtvrfy dated 10/21/2022
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• As per DF, the card was lost on 10/23/2022, and the disputed transaction was made before the card was lost on 10/21/2022. In addition, it is an EMV PIN-based transaction that uses a one-time code to process each transaction through an EMV-enabled terminal. EMV transactions are nearly impossible to be counterfeited, as the chip cards require a secure one-time code to be able to process a transaction successfully.
• Initiated MCO, IVR prompt says that the CH need to contact to their bank. No option provided to speak to a live representative for assistance.
• Sufficient reason to deny the claim.
• Case not in favor of CH. Case closed.

561145 30094176

Dispute ZD#561145. MDL. Final determination memo associated with 2 UT POS claim from multiple merchants for the total amount of $297.70 dated 10/24/2022 and 10/25/2022. Verbal date 10/24/2022. Written date 10/24/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 10/25/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card is in possession and PIN memorized
• Card Present transaction
• CHIP CONTACTLESS transaction
• The device ID d923a61b-3cc8-554b-a203-b85b7870b6a7, that was used to login with the UT transactions is registered under the Cardholder's device properties and it was first seen on 04/17/2021.
• Disputed transactions are initiated via Apple Pay, this implies that to make that transaction go through apple pay requires Face ID, Touch ID, or your passcode is required for purchases on your iPhone, Apple Watch, Mac, or iPad.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• Upon review, CH did sign in on the date when the reported UT transactions happened using the IP address 99.39.48.142 which was the same IP address that was captured for the reported unauthorized transactions
• Based on our record, there's an undisputed authorized transaction from the ATLASCOFFEECLUB.COM dated 10/25/2022 using the IP address 99.39.48.142 which was the same IP address that was captured for the reported unauthorized transactions.
• Upon review, the device ID 066069C8-737B-4B08-A4D4-1C844E0E4704 is registered under the cardholder's properties. It is the same IP address and Device id that was captured under biometrics info. Same IP address 99.39.48.142 was also used/seen under the when the transaction info posted.
• Transaction is also biometric authenticated. (isbiometricsenabled: TRUE)
• There is no record of balance inquiry prior to the disputed transactions. It appears that the user of the card is aware of the available funds on the account. -The balance on the account was depleted with no decline reasons within the disputed timeline. And there are no records of fraud-related declines such as invalid pin, suspected fraud, incorrect CVV, and expiration date mismatch during the dispute timeframe.
• No declined transaction associated to the claim in question occurred within the dispute timeline which indicates that the user of the card was aware of this transaction.
• No chargeback rights due to UT card present transaction
• Sufficient evidence to deny the claim
• Closed as Denied

561172 30094289

Dispute ZD#561172. MDL. Final determination memo associated with 1 UT POS claim from CASH APP*REFUND INS for the total amount of $200.00 dated 9/27/2022. Verbal date 10/24/2022. Written date 10/24/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 10/26/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card not present transaction
• With undisputed authorized transactions from the same merchant within the disputed timeline.
• Based on our record, Device ID "cb389e0b-2c09-50b2-8ad1-86e1435a7f5d" first seen on 03/02/2022 was used to login with the UT transaction from merchant CASH APP*REFUND INS dated 09/27/2022.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• There is multiple undisputed transaction happened within the didsputed timeline using the IP address 70.190.103.34 which was the same IP address that was captured for the reported unauthorized transactions.
• Merchant is under the DNC list (CASH APP)
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

561936 30094436

Dispute ZD#561936. MDL. CH claimed 1 UT POS from ACI*ENTERGY SERVICES for a total disputed amount $401.60 dated 8/30/2022. Verbal notification date: 10/25/2022. Written confirmation date: 10/25/2022. Reg E Case. Old Account. Sent to CB on 10/26/2022. PV credit will be issued on/or before 11/8/2022. Resolution TF may take up to 90 days. Case ongoing.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card not present transaction
• No prior history.
• No Spending/Behavioral pattern.
• The IP address that the CH used for the sign-in and transaction posted are different.
• Initiated MCO, speak to representative, she was asking if the CH is on the line and want me to provide the account number for her to pull up the CH account. Also, they don't have any access to show in their end who made this transaction, even the name on the card. The representative unable to validate this transaction due to the representative need the account number or SSN for them to pull up the account.
• Insufficient reason to deny the claim
• With recovery option, filed CB.

Not to issue PVC. CH stated that she need to dispute Entergy charge. Unauthorized transaction, I have contacted them but it's been almost 2 months and no resolution. 8/30/22. Unauthorized Transaction. ZD Ticket #561936_MDL

561988 30094495

Dispute ZD#561988. MDL. CH claimed 1 SERVICE/MERCHANDISE NOT RECEIVED from CASH APP*MICHAEL for a total disputed amount $120.00 dated 10/19/2022. Verbal notification date: 10/26/2022. Written confirmation date: 10/26/2022. Non-Reg E Case. Old Account. Sent to CB on 10/26/2022. CH is not eligible for PV credit. Non Reg E letter sent on: 10/26/2022. Resolution TF may take up to 90 days. Case ongoing.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Merchant is under the DNC list (CASH APP)
• Insufficient reason to deny the claim
• With recovery option, filed CB.

Not to issue PVC. CH stated that she was scammed out of money, i sent on cash app. it was for $120. Service/Merchandise Not Received. ZD Ticket #561988_MDL

Card Not Present

Dispute ZD#562645. MDL. CH claimed 1 UT POS from ALO MOVES for the total disputed amount $20.00 dated on 7/28/2022. Verbal notification date: 10/26/2022. Written confirmation date: 10/26/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $20.00 issued on 10/27/2022. Associated fees reversed. Final letter sent on 10/27/2022. Case closed.

563466 30094641

Card Not Present

Dispute ZD#563466. MDL. CH claimed 1 UT POS from studyyouen.com for the total disputed amount $19.99 dated on 10/27/2022. Verbal notification date: 10/27/2022. Written confirmation date: 10/27/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $20.00 issued on 10/28/2022. Associated fees reversed. Final letter sent on 10/28/2022. Case closed.

563601 30094691

Dispute ZD#563601. MDL. Final determination memo associated with 1 UT POS claim from U-HAUL TARA BLVD for the total amount of $41.58 dated 10/28/2022. Verbal date 10/28/2022. Written date 10/28/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 10/31/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card not present transaction
• With prior history with the same disputed merchants U-HAUL TARA BLVD on 10/18/2022 and 9/18/2022 with the amount of $41.59 and $70.85.
• Based on our record, Device ID "83dac002-a6b2-58eb-b571-b0c6746898b2" first seen on 07/19/2022 was used to login with the UT transaction from merchant U-Haul dated 10/28/2022.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• Initiated MCO, however as per training guidelines, if the disputed transaction is below $100, 4 minutes of IVR waiting. Also the IVR referred us to the website for further assistance, no option provided to speak to a live representative for assistance.
• Sufficient reason to deny the claim.
• Case not in favor of CH. Case closed.

#496149, #497547, #497223 - lost phone case

564732 30094769

Dispute ZD#564732. MDL. Final determination memo associated with 15 UT POS claim from MERCARI888 and AMAZON.COM*H87EM5EC2 for the total amount of $572.61 dated 10/25/2022 and 10/26/2022. Verbal date 10/30/2022. Written date 10/30/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 10/31/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card not present transaction
• Card is missing since 10/27/2022
• Pin is written
• As per DF no one has access to the online account
• Disputed transactions made on 10/25/2022 and 10/26/2022. Disputed charges occurred prior to the card being lost/stolen.
• Based on the cardholder dispute form statement, T-Mobile Revell was lost along with the card. It has not been signed on the account since then until the occurrence of the unauthorized transactions.
• Based on our record, Device ID "cc8a3b9b-efb6-56c5-858f-dd4c553bddf8" first seen on 08/04/2022 was used to login with the UT transaction from merchant Mercari dated 10/26/2022.
• Based on our record, Device ID "cc8a3b9b-efb6-56c5-858f-dd4c553bddf8" first seen on 08/04/2022 was used to login with the UT transaction from merchant Amazon dated 10/25/2022.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• Fond multiple OCT within the disputed timeline, this implies that the cardholder is funding the account despite his/her claim that the card and phone were not in his/her possession.
• There is no balance inquiry found prior, nor in between the disputed transactions. It appears that the user of the card is aware of the available funds on the account.
• The CH stated her ex-husband took her card and phone, this means that she was aware that her ex-husband is the one who did these disputed transactions. There was no call received from the cardholder revoking the authorization to use the card; therefore, the cardholder is liable for the authorized use of the card.
• Initiated MCO, IVR prompt says that they're unable to locate an account using the phone number that I used. For them to locate the account, they need us to provide the user ID associated with the account application. No option was provided to speak to a live representative for assistance.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

30094773

Dispute ZD#564732. MDL. Final determination memo associated with 2 UT POS claim from MERCARI888 for the total amount of $39.90 dated 10/26/2022. Verbal date 10/30/2022. Written date 10/30/2022. Reg E Case. Old Account. Upon review, the merchant issued a refund on 10/26/2022 amounting to $39.90. Associated fees reversed. Final letter sent on 10/31/2022. Case closed

563862 30094762

card not present transaction

Dispute ZD#563862. MDL. CH claimed 1 UT POS from Spotify USA for the total disputed amount $17.57 dated on 10/27/2022. Verbal notification date: 10/28/2022. Written confirmation date: 10/28/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $17.57 issued on 11/01/2022. Associated fees reversed. Final letter sent on 11/01/2022. Case closed.

556582 30093694

Dispute ZD#556582. MDL. Final determination memo associated with 2 UT POS claim from SQ *KING KASH ENTERPRI for the total amount of $130 dated 10/17/2022. Verbal date 10/17/2022. Written date 10/17/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 10/31/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card present transaction
• Card is in possession
• PIN memorized
• Fond multiple OCT within the disputed timeline, this implies that the cardholder is funding the account despite his/her claim that the card was not in his/her possession.
• From the location of the two disputed transaction SQ *KING KASH ENTERPRI, is 53 minutes away from the undisputed transaction NEW ORLEANS AIRPORT. These transactions happened on 10/17/2022. This means that the CH has enough time to make these two transactions on the same day.
• In addition, the merchant stated that he pick him up in NEW ORLEANS AIRPORT and both him to his house. The mechatn verified this transaction.
• There is no account information change during the disputed timeline.
• Initiated MCO at +1 (504) 325-3664, speak to the representtive named Alrich, he was able to verify the two charges. Address NOTE: Aldrich mentioned that a different zip code was used when CH entered the amount and transaction. Tried to search via google to double check and upon searching there is no the same address with a different zip code, the phone number was also verified by Aldrich, and upon calling back (as merchant advised me to) Aldrich successfully provided the last 4 numbers of the card used for the transaction 2023. And provided the information where he picked up the CH which is “Louis Armstrong international airport”. We also tried to contact the CH while on the call CH phone number: +12252104144 CH name: Joseph Huber tried to contact twice but to attempt CH did not pick up the call.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

564737 30094798

Dispute ZD#564737. MDL. Final determination memo associated with 8 UT POS claim from multiple merchants for the total amount of $671.44 dated 10/14/2022 to 10/28/2022. Verbal date 10/30/2022. Written date 10/30/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 11/01/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card not present transaction
• Card is lost/stolen since 10/27/2022
• Pin is written
• As per DF no one has access to the online account
• There are two valid undisputed transaction from the same merchant AMZN Mktp dated 10/28/2022, amounting to $13.81 and $10.65 within the disputed timeline.
• Fond multiple OCT in between the disputed timeline dated 10/28/2022 amounting of $53.52, 10/25/2022 amounting of $88.65, 10/24/2022 amounting of $295.5, 10/28/2022 amounting of 53.52. this implies that the cardholder is funding the account despite his/her claim that the card and phone were not in his/her possession.
• Based on our record, Device ID "cc8a3b9b-efb6-56c5-858f-dd4c553bddf8" first seen on 08/04/2022 was used to login with the UT transaction from merchant Amazon dated 10/28/2022.
• Based on our record, Device ID "cc8a3b9b-efb6-56c5-858f-dd4c553bddf8" first seen on 08/04/2022 was used to login with the UT transaction from merchant Knights Inn dated 10/26/2022.
• Based on our record, Device ID "cc8a3b9b-efb6-56c5-858f-dd4c553bddf8" first seen on 08/04/2022 was used to login with the UT transaction from merchant Alibaba.com dated 10/25/2022.
• The CH stated her ex-husband took her card and phone, this means that she was aware that her ex-husband is the one who did these disputed transactions. There was no call received from the cardholder revoking the authorization to use the card; therefore, the cardholder is liable for the authorized use of the card.
• Iniated MCO, speak to representative, however he need the Check-in or reservation information for him to pull up the customers account. Since I can't provide any information aside from the CH name, he is unable to validate and verify the disputed transaction.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

Dispute 564348. MDL. CH claimed 1 Mechandise/Service Not as Describe from WWW.HU2.IO BC for total disputed amount $49.99 dated 10/28/2022. Verbal notification date: 10/29/2022. Written confirmation date: 10/29/2022. Non-Reg E Case. Old Account. CB requested on: 11/01/2022. CH is not eligible for PV credit. Non Reg E letter sont on: 11/01/2022. Resolution TF may take up to 90 days. Case ongoing.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Initiated MCO, no one answer the call and the IVR promt says to contact them via live chat at HU2.IO.
• Insufficient reason to deny the claim
• With recovery option, filed CB.

Not to issue PVC. CH stated that the app has a free trial service. However, he charged and it wasn’t suppose to. SERVICE/MERCHANDISE NOT AS DESCRIBE. ZD Ticket #564348_MDL

Card not present transaction

Recategorized dispute from Charged Incorrect Amount to Mechandise/Service Not as Describe because the CH stated that this was a free trial but he charged.

565325 30094863

Dispute ZD#565325. MDL. CH claimed 1 UNAUTHORIZED POS from THEHALARO for the total disputed amount $85.15 dated on 10/29/2022. Verbal notification date: 10/31/2022. Written confirmation date: 10/31/2022. Reg E. Old Account. Sent to CB on 11/01/2022. PV credit will be issued on/or before 11/15/22. Resolution TF may take up to 90 days. Case ongoing.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card Not Present transaction
• No prior history
• No spending pattern
• Initiated MCO, however it route me to voicemail. No option was provided to speak to a live representative for assistance.
• Insufficient reason to deny the claim
• With recovery option, filed CB.

Not to issue PVC. CH stated that this online purchase is not authorized. Unauthorized Transaction. ZD Ticket #565325_MDL

565955 30094885

Dispute ZD#565955. MDL. CH claimed 1 UT POS from WCMTYE.COM for the total disputed amount $12.99 dated on 10/31/2022. Verbal notification date: 11/01/2022. Written confirmation date: 11/01/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $12.99 issued on 11/2/2022. Associated fees reversed. Final letter sent on 11/2/2022. Case closed.

565956 30094908 Card not present transactions

Dispute ZD#565956. MDL. Final determination memo associated with 2 MERCHANDISE NOT RECIEVE claim from HARD ROCK DIGITAL for the total amount of $20 dated 10/12/2022. Verbal date 11/01/2022. Written date 11/01/2022. Non-Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 11/02/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Initiated MCO at phone number +1888-519-6683, spokes with the representative but was transfer me to designated department. As per training guidelines, if the disputed transaction is below $100, 5 minutes is the holding time.
• Cannot process CB as the last recovery option due to a claim being below CB threshold.
• CH needs to contact the merchant directly as it is a NON REG E claim and is therefore not covered by ONE dispute.
• Closing this claim as denied.

566504 30094943

Dispute ZD#566504. MDL. CH claimed 9 UT POS from multiple merchant for total disputed amount $739.46 dated 10/30/2022 to 11/01/2022. Verbal notification date: 11/01/2022. Written confirmation date: 11/01/2022. Reg E. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 11/03/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Transactions from FANDUEL STARDUSTCASINO are card not present
• Transactions from SIX FLAGS GREAT ADVENT are card present
• Card in possession and Pin is written
• No one has an access to online account
• No evidence that the card was lost
• With prior history with the same disputed merchant FANDUEL STARDUSTCASINO with the amount of $100 and $11
• EMV PIN based transaction use a one-time code to process each transaction through an EMV enabled terminal. EMV cards make it nearly impossible to be counterfeited, as the chip cards require the secure one-time code to be able to process a transaction successfully.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• Based on our record, Device ID "e2552b52-46b6-522b-b9b9-df49525b039b" first seen on 08/24/2022 was used to login with the UT transaction from merchant FANDUEL STARDUSTCASINO dated 11/1/2022.
• Initiated MCO at +18776890662 twice, however the merchant drop the call.
• Initiated MCO at +17329282000, however the IVR referred us to the website for further assistance, no option provided to speak to a live representative for assistance.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

566640 30095006

Dispute ZD#566640. MDL. CH claimed 3 UT POS from FREETIME.DIGITA for the total disputed amount $44.00 dated on 10/29/2022, 10/16/2022 and 10/12/2022. Verbal notification date: 11/01/2022. Written confirmation date: 11/01/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $44.00 issued on 11/3/2022. Associated fees reversed. Final letter sent on 11/3/2022. Case closed.

496932 30085640

Dispute ZD#496932. MDL. CH claimed 1 UT POS from CREDO MOBILE for total disputed amount $140.91 dated 06/10/2022. Verbal notification date: 8/08/2022. Written confirmation date: 7/22/2022. Reg E. Old Account. Case is not in favor of CH. No Error found. Final decision letter sent to member on 11/3/2022. PVC scheduled for reversal on 11/10/2022.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card Not Present transaction
• The CH logged into the account at the time of the transaction dated 6/10/2022 for $140.91 under sign-in: completed and biometrics: enabled with the device ID, 1FEA152B-BBE9-492A-932A-8645F871E799.
• Same IP Address for transaction: posted, sign-in: completed and biometrics: enabled for the disputed transaction amounting to $140.91, which is 69.249.181.234 dated 6/10/2022.
• Both device IDs that were used to transact the disputed claim amounting to $140.91 (for sign-in: completed, sign in:biometrics and transaction: posted) were under the card holder's properties, b27f0ba3-c1bd-5341-b7b8-da489eb82ddb and 1FEA152B-BBE9-492A-932A-8645F871E799.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• There's a three disputed transaction from ZD# 472117 on 6/10/2022, and these claim is Merchandise/Service Not Receive. While on, 8/08/2022 the CH filed another dispute as Unauthorized transaction. These two claims has a same disputed merchant. This means that the transactions being disputed is known and authorized by the CH, since there are history of transaction made and several disputes being filed. This is considered as prior history with the same disputed merchant.
• Initiated MCO at +18663062900, speak to representative named Amani, however the merchant was not allowed to provide any information through the phone with the third party. Merchant requires to have with the customer. Unfortunately, unable to do cross matching to verify all the CH information. But, representative was able to pull up the CH account using the following: full name, Phone number and email of the CH.
• CB was initiated on 8/19/2022. Marqeta response that this claim cannot be submitted since it is past 120 day timeframe. No recovery option available.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

567379 30095073

Dispute ZD#567379. MDL. CH claimed 5 UT POS from multiple merchant for total disputed amount $406.69 dated 10/21/2022 and 10/25/2022. Verbal notification date: 11/2/2022. Written confirmation date: 11/2/2022. Reg E. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 11/04/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card Not Present transaction
• Based on our record, Device ID "6ecf1985-954e-5703-928a-e8832c34dfb2" first seen on 11/01/2021 was used to login with the UT transaction from merchant PP*ready slim wellness dated 10/21/2022.
• There is no account information change during the disputed timeline. No signs of ATO.
• As per DF, the cardholder mentioned that he is the only one who has an access to the account. In addition, no sign of the device being compromised.
• Initiated MCO at +844-4222845, speak to a representative named Hannah, and explained that the reason behind the CH charge for these two transactions, is regarding the order that she placed last 10/21/2022 for Turbo Male Enhancement Gummies and confirmed that this order was delivered on 10/25/2022. These two transactions are for shipping and handling fees. Hannah also provides the tracking number of the order. Lastly, the representative verified the CH's personal information including the first and last name, email address, phone number, last four digits of the card, and home address with the zip code of the CH. This claim is verified by the merchant.
• Initiated MCO at +1888-3854842, speak to a representative named Robert and explained that the reason behind the CH charge for this transaction, is that the CH purchase a subscription from this merchant. The first month is a trial subscription amounting of $7.69. Since the CH did not call back regarding this subscription, she got billed a full retail price in the amount of $125.69 for a book. However, the transaction that has been on the merchant end is on 10/23/2022. Lastly, the representative verified the CH personal information including the first and last name, email address, phone number, last four digits of the card, and home address with the zip code of the CH. This claim is verified by the merchant.
• Initiated MCO at +18447513484, speak to a representative named Lhey, and explained that these transactions are made for male enhancement gummies and Nitric oxide. The CH took advantage of the promotional offer. Based on the merchant's terms and conditions, if the customer was unable to contact them after 15 days trial, the customer will be charged for the full amount. There's no record on their end that the customer reaches them to cancel this. Since the CH is unable to contact the merchant, the CH will be automatically charged the full amount of the product. Lastly, the representative verified the CH's personal information including the first and last name, email address, phone number, last four digits of the card, and home address with the zip code of the CH. This claim is verified by the merchant.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

10/25/2022 125.69 MUSTHAVENOWDESKEQUIPME - CNP 10/21/2022 138.9 8447513484DELUXEPETSUP - CNP 10/21/2022 129.9 8447513484DELUXEPETSUP - CNP 10/21/2022 5.95 PPready slim wellness - CNP 10/21/2022 6.25 PPready slim wellness - CNP

569012 30095144

Dispute ZD#569012. MDL. CH claimed 1 UNAUTHORIZED POS from APP*GUNZ EULER for a total disputed amount $170.00 dated 11/2/2022. Verbal notification date: 11/03/2022. Written confirmation date: 11/03/2022. Reg E Case. Old Account. Sent to CB on 11/4/2022. PV credit will be issued on/or before 11/18/22. Resolution TF may take up to 90 days. Case ongoing.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card Not Present transaction
• She is don't know who has an access in her online account.
• No prior history with the disputed merchant
• No Spending/Behavioral Pattern
• Merchant is under the DNC list (Cash App)
• Insufficient reason to deny the claim
• With recovery option, filed CB.

Not to issue PVC. CH stated that she did not authorized this transaction. UNAUTHORIZED TRANSACTION. ZD Ticket #569012_MDL

568882 30095189

Card Not Present

Dispute ZD#568882. MDL. CH claimed 1 CANCELLATION from TACO BELL 721107211931 for the total disputed amount $9.31 dated on 10/25/2022. Verbal notification date: 11/03/2022. Written confirmation date: 11/03/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $9.31 issued on 11/07/2022. Associated fees reversed. Final letter sent on 11/07/2022. Case closed.

571373 30095217

Dispute ZD#571373. MDL. Final determination memo associated with 1 UT POS claims from CASH APPNELLADD C for the total amount of $100 dated 10/21/2022. Verbal date 11/05/2022. Written date 11/05/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 11/07/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card Not Present transaction
• With prior history with the disputed merchant CASH APPNELLADD C.
• With spending/behavioral patterns with the same disputed merchant CASH APPNELLADD C.
• The device ID 7fe327b0-d7e4-5c51-acda-02fa2f4beb7e, which was used to login with the UT transactions is registered under the Cardholder's device properties and it was first seen on 8/17/2022.
• There is no account information change during the disputed timeline. No signs of ATO.
• There's a valid undisputed transaction from the disputed merchant CASH APPNELLADD C during the disputed timeline dated 10/21/2022, amounting to $50.
• Merchant is under the DNC list (CASH APP)
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.

508248 30085492

Dispute ZD#508248. MDL. CH claimed 3 UT POS from multiple merchants for $516.28 dated 08/12/2022-08/13/2022. Verbal notification dated 08/13/2022. Written confirmation dated 08/13/2022. Reg E Case. Old Account. Chargeback was requested on 08/19/2022. Error found. PV credit issued dated 08/26/2022 is now final. Sent Final letter on 11/11/2022.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Card in possession
• Pin memorized
• No prior history with the disputed merchant
• No spending pattern seen on the account
• Attempted to contact the merchants but there was no response
• Chargeback was requested on 08/19/2022 but Marqeta respond and this request was rejected by the network. and the code is: 2462 MESSAGE REASON CODE INVALID FOR UCAF TRANSACTIONS.
• No supporting document was provided and the CB was closed in marqeta's end
• Insufficient evidence to deny the claim, recommendation for write-off.
• Case Closed.

MC 4837: MC-4837 Fraud/No Cardholder Authorization 08/19/22 87dbb5c8-7e1c-4b0a-8c8c-c55cba774193

569027 30095382

Card Not Present

Dispute ZD#569027. MDL. CH claimed 2 UNAUTHORIZED POS from POWDERSEE.COM for the total disputed amount $7.99 dated on 9/28/2022 and 10/23/2022. Verbal notification date: 11/04/22. Written confirmation date: 11/03/2022. Reg E. Old Account. No Merchant credit issued and no claim cancellation as of this date. De Minimis claim. Final credit of $7.99 issued on 11/08/2022. Associated fees reversed. Final letter sent on 11/08/2022. Case closed.

570527 30095317 Card Present

Dispute ZD#570527. MDL. Final determination memo associated with 1 Cancellation claims from LA QUINTA INN & SUITES for the total amount of $99.68 dated 10/23/2022. Verbal date 11/4/2022. Written date 11/4/2022. Reg E Case. Old Account. Case not in favor of CH. No credit due to account. Final letter sent on 11/8/2022. Case closed.

INVESTIGATION:

• No merchant credit and no claim cancellation as of this writing.
• Initiated MCO at +17728284199. Spoke to representative answered named Ana. CSR able to pull up the account using CH full name, phone number, as well as the last four digit of the card used. CSR verified and explained that the CH must canceled this reservation to Expedia.com since she booked this reservation to this online booking. The CSR also confirmed that there's no cancellation request locate in their end and this is why the CH still charge for this hotel reservation. She stated that this charged is for the first night of the reservation and since the CH did not show up at the hotel, the remaining nights will be automatically cancelled.
• Sufficient reason to deny the claim
• Case not in favor of CH, case closed.