UT

9334099 l 9334150 pend it is not UT 6391500 closed 6361359 CB 6362011 MOBILE 6366865 MOBILE 6366279 closed 6363008 mobile 9324364 mobile 6363491 mobile 6370704 MOBILE 6368006 CB 6363486 closed 6193606 CLOSED 6188934 closed

6377685 closed 6378324 link 9324670 pend 6373678 pend 6385185 cb 6370398 cb 6372223 closed 6373485 pend 6377004 pend 6374798 closed 6374740 cb 6372959 closed 6383077 cb 6375018 closed 6374663 closed

6394319 6394327 9336356 9336364 6394401 9336537 9336555 6394560 9336722 9336725 9336779 9336846 9336856 9336901 6395112 9337072 6395283 9337120

Dispute ID 6366279 DND date 2023-02-22 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $107.31 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Dispute Card Status in possession . Pin was stated "memorized". Card Card not present . ( Not eligible for PVC). Transaction has Entry mode 01 with moto ECI 7 recurring AVS RESULT N MTI code 0100

**Investigation found that

" Dispute ID 6366279 . DND Date 2023-02-22 CH Claimed (1) Unauthorized Transaction type: Card NOT PRESENT / . Merchant credit found. No claim Cancellation Request. PAN ENTRY MODE ( 01) with MOTO ECI (2 ) recurring transactions . Card status was IN POSSESSION / Pin was MEMORIZED. Investigation found: Received Merchant Credit for the amount of $107.31 Settled on 2023-02-22 16:45:15 . Therefore Error found. Cased Closed FR 5242134998 ZD 63314942 . Cased Closed

6193606 cb won 6188934 cb won 6186152 6299217 NEED TO CLARIFY 6016120 IPA CLOSED KAY LUIS

. Dispute ID 6193606 . DND date 2023-02-02 CH disputing 1 UT transaction amounting to $31.79. Ch is disputing Card not present transaction with Entry mode 10 with MOTO ECI 2 (recurring transactions ) CHARGEBACK WON CHARGEBACK AQUIRER ACCEPTED LIABILITY . VROL 5232001782. Error found. Sent ZD # 63315716. Case Closed.

Dispute ID 6193606 DND date 2023-02-02 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $31.79 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was In possession . Pin was stated "compromised". Card NOT PRESENT transaction and. ( Not eligible for PVC). Transaction has Entry mode( 10 ) with MTO ECI 2 which is recurring transactions . AVS RESULT B MTI code 0100

Investigation found that There was a third party access where CH stated that her mother had an access to her card. Upon checking There was no signs of previous transaction from the same disputed merchants indication that merchants was not normal to the CH. There was manual funding event was captured from Transfer for Program DDA (TC) for the amount of $925.14 happened on 2023-02-01 09:59:33. No signs of spending pattern was captured associated by the disputed merchants. The Dollar amount was normal since we can observed that CH really transacted higher than the normal amount from the disputed transaction . Spending velocity was also normal to CH since we can observed that there are months that CH is doing one or more transactions in just a month or in a daily basis. Available Credit/Available to spend: $0.05 was low ending as of this date 02/05/2023. No signs of fraud alert was captured associated by the disputed card number when the UT transaction happened. No signs of PII changes with no signs of ATO when the UT transaction happened. There is no signs of freezing unfreezing observed with in the UT transaction happened. NO suspicious decline codes showing on the Galileo notes and no response code was showing on the RTA when the UT transaction happened. Upon checking the evidence was not enough to deny the claim Therefore proceed with CB since claim cannot be merchant call out Proceed with CB 5232001782 *** merchants has 30 days to respondZD 62117080

. Dispute ID 6188934 . DND date 2023-02-02 CH disputing 3 UT transaction amounting to $147.06. Ch is disputing Card not present transaction with Entry mode 01 with MOTO ECI 7 CHARGEBACK WON CHARGEBACK AQUIRER ACCEPTED LIABILITY . As per Penny Disputes Card status was In possession . Pin was stated "memorized". VROL 5232008127, 5232008128, 5232008135 . Error found. Sent ZD # 63315716. Case Closed.

Dispute ID 6188934 DND date 2023-02-02 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $147.06 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was In possession . Pin was stated "memorized". Card NOT PRESENT transaction and. ( Not eligible for PVC). Transaction has Entry mode( 01) with MTO ECI 7 . AVS RESULT N MTI code 0100

***No previous transaction from the same merchant. Funding activity observed prior the authorization of the disputed transaction which indicates that CH is aware of the available spending balance of the card. NO spending pattern captured. Upon checking there was manual funding event captured on 2023-01-31 19:58:08 for the amount of $263.82 from Transfer for Program DDA (TC). Upon checking the The dollar amount was abnormal since we can observed that the disputed amount from Apple was only the higher amount that is disputing by the Card holder Also The spending velocity was normal since we can observed that CH really transacted one or more transactions in a month or in daily basis. There was decline code 54, 59 ,05 , 46 showing on the Galileo notes and response code n7 , 54 , 59 ,46was showing on the RTA . Upon checking there was no fraud alert or high risk on the account showing on the Galileo notes. There was no signs of freezing unfreezing activity when the UT transaction happened. No signs of PII changes with no signs of ATO when the UT transaction happened. Upon checking there's no enough evidence to deny the Claim Therefore proceed with CB 5232008127, 5232008128, 5232008135. Sent ZD‭#62117847. Case ongoing.

***INTERNAL NOTE: PREVIOUS ANALYST INITIATED CB THEREFORE PROCEED WITH RESOLUTION

. Dispute ID 6186152 . DND date 2023-01-31 CH disputing 1 UT transaction amounting to $206.00 . Ch is disputing Card not present transaction with As per Penny Disputes Card status was In possession . Pin was stated "memorized". Entry mode 10 with MOTO ECI 7 RESOLUTION** PRE-ARB WON PRE ARB TIMEFRAME EXPIRED . VROL 5231230194 . Error found. Sent ZD #63316928 . Case Closed.

Dispute ID 6186152 DND date 2023-01-31 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $206.00 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was In possession . Pin was stated "memorized". Card NOT PRESENT transaction and. ( Not eligible for PVC). Transaction has Entry mode( 10 ) with MTO ECI 7 . AVS RESULT - Z MTI code 0100

With previous transaction from Cash App merchant. However, it is a different recipient. No signs or difference in spending pattern observed. Multiple funding activity observed on 2023-01-17 for $286.00, $292.00 and $345.00 via Transfer for Program DDA (TC) prior the authorization of the disputed transaction. Upon checking the spending velocity was normal however the dollar amount was not normal since only the dispute amount was the highest among the transactions showing on the mm records . There was decline code 05 showing on the Galileo notes however it was not with in the UT timeline but related to the disputed merchants cash app same goes with response code n7 , 85 showing on the RTA . There's no signs of PII changes with no signs of ATO when the UT transaction happened. Also no freezing unfreezing captured related to the disputed card number. No fraud alert captured related to the card number when the UT transaction happened. UPON CHECKING THE EVIDENCE WAS NOT ENOUGH TO DENY THE CLAIM THEREFORE PROCEED WITH CB 5231230194.. CASE ON GOING**

Dispute ID 6368006 DND date 2023-02-22 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $397.88 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was not In possession . Pin was stated "saved on the phone ". Card NOT PRESENT transaction and. ( Not eligible for PVC). Transaction has Entry mode( 10) with MTO ECI 7 . AVS RESULT Y MTI code 0100

Overall investigation that There was no previous transaction from the same disputed merchants. With no spending pattern captured related to the disputed merchants. Upon checking there was manual funding event captured on 2023-02-21 12:20:57 for the amount of $512.86 from Transfer for Program DDA (TC) which happened prior the time of the disputed transaction and upon checking the fund was added 1 hour prior the disputed transaction happened which indicates that fund was intended to the disputed merchant since there was no in between transaction after the fund was been added . Upon checking the dollar amount was not normal since we can observed that only the disputed amount was the highest amount of all transactions from spending transactions. Spending velocity was normal . There was no signs of PII changes with no signs of ATO when the UT transaction happened. Also no freezing unfreezing activity prior the authorization of the disputed transaction . With fraud alert captured related to the disputed card number . Also There was decline code 59 showing on Galileo notes and response code 59 was showing on the RTA . Upon checking the evidence was not enough to deny the Claim Therefore proceed with MCO however just been routed to voicemail Therefore proceed with CB merchants has 30 days to respond ** Case on going5242179492 63317912‬

Dispute ID 6299217 . DND date 2023-02-15 CH disputing 8 UT transaction amounting to $449.42 . Ch is disputing Card not present transaction with Investigation found that There was merchant credit for transaction #96774908977 which settled on 2023-02-17 18:01:12 for the amount of $78.81 As per Penny Disputes Card status was In possession . Pin was stated "Keep it secured"". Entry mode 01 with MOTO ECI 7 RESOLUTION CHARGEBACK WON CHARGEBACK ACQUIRER ACCEPTED LIABILITY . VROL 5238903592 5238903608 5238903651 5238903713 5238903728 5238903772 5238903833 . Error found. Sent ZD # 63318134. Case Closed.

Dispute ID 6299217 DND date 2023-02-15 CH disputing (8) Credit - Unauthorized Transaction transaction from different merchants amounting to $449.42 and the transactions . Reg. Z claim. No claim cancellation and Merchant Credit found for one transaction . As per Penny Disputes Card status was in possession . Pin was stated "Keep it secured". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 01 with MOTO ECI 7 AVS RESULT Z MTI code 0100

Investigation found that There was merchant credit for transaction #96774908977 which settled on 2023-02-17 18:01:12 for the amount of $78.81 . As Investigating the Claim There was no signs of previous transaction form the same disputed merchants . No signs of spending pattern captured. Spending velocity was not normal since CH disputed multiple transaction however on the previous history there's no record that CH disputed multiple transactions. Also observed the dollar amount of disputed transactions are normal, since we can observed that MM has same scale or even higher amount of transactions on the account indicating no breach of normal spending behavior. Available Credit/Available to spend: $5649.39 was high ending as of this date 02/18/2023. Also no signs of funding event was captured prior to the AUTH of the disputed transaction . With freezing of the card happened on 2023-02-14 00:29:05 PST and there was no signs of PII changes with no signs of ATO when the UT transaction happened. No signs of fraud alert was captured associated by the Card number. Also There decline code 46 showing on the Galileo notes and response code 46 was showing on the RTA when the UT transaction happened. Upon checking the evidence was not enough to deny the Claim Therefore proceed with CB Case on goingmerchants has 30 days to respond 5238903592 5238903608 5238903651 5238903713 5238903728 5238903772 5238903833 5238903728

Dispute ID 6363486 , 6394372 DND date 2023-02-22/ 2023-02-22 CH disputing (2) Credit - Unauthorized Transaction transaction from different merchants amounting to $306.00 and the transactions . Reg. Z claim. No claim cancellation and Merchant Credit found for one transaction . As per Penny Disputes Card status was in possession . Pin was stated "MEMORIZED". Card PRESENT EMV transaction . ( Not eligible for PVC). Transaction has Entry mode 05 AVS RESULT B MTI code 0100

Overall investigation Upon checking the disputed transaction was ATM withdrawal pin memorized however there was no signs or evidence of Card separation. Upon checking the disputed Disputed transaction was made through an EMV chip capable terminal and was captured with Entry mode 05 chip Data Service Code 201 and Terminal Entry Capability 5, Reliable with no fallback error. The disputed merchant location was only 4 minutes away from the member's address on file which indicates that merchants was with in the CH vicinity. Upon checking no spending pattern was captured . There was no signs of decline codes showing on the Galileo notes and no response code was showing on the RTA when the UT transaction happened. Upon checking there's no fraud alert was captured related to the disputed card number. Also no signs of PII changes with no signs of ATO when the UT transaction happened. Upon checking there's no signs of freezing unfreezing activity showing on the address and status history prior and with in the UT transaction happened .The available balance to spend was low ending after the disputed transaction was authorized . Upon checking there was no signs of previous transaction indications that merchants was not normal to the CH. Upon checking no spending pattern was captured . No manual funding event was captured 2 days prior the disputed transaction happened. Upon checking the dollar amount was not normal since we can observed that only the disputed amount was the highest transaction happened on the account. Spending velocity was normal and upon checking the evidence was enough to deny the Claim Therefore no error found Case closed . FR 5242193195 ZD 63318860 and ZD 63318915‬

Dispute ID 9334472 DND date 2023-02-24 CH disputing (2) Credit - Unauthorized Transaction transaction from different merchants amounting to $290.50 and the transactions . Reg. Z claim. No claim cancellation and Merchant Credit found for one transaction . As per Penny Disputes Card status was not in possession at time of purchased . Pin was stated "MEMORIZED". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 10 with MOTO ECI 2, 7 (recurring transactions) AVS RESULT B , Z MTI code 0100

**Third party access observed where CH stated that a friend had access . Investigation found that there was no previous transaction from the same disputed merchants indicating that merchants was not normal. Upon checking there's no spending pattern observed. Upon checking there was no manual funding event 2 days prior to the disputed transaction happened. Upon checking the disputed transaction was Card EMV contactless however there was valid undisputed card present EMV transaction from FAMILY DOLLAR #5110, BROOKLYN CTR, MNUS which is only 15 minutes away from the disputed merchant location and 8 minutes away from the member's address on file indicating that merchant was with in CH vicinity. Upon checking there was no suspicious decline code showing on the Galileo notes and no response code showing on the RTA when the UT transaction happened. There was no signs of fraud alert captured related to the disputed card number. "Freezing/ Unfreezing is observed prior the disputed transaction/ within the Disputed timeline. Which indicates that the member is still in control and in control of the cards activity. With unfreezing(enable) of the card observed prior the authorization of the disputed transaction suggesting that the member is still in control of the card's activity. "There was no signs of PII changes with no signs of ATO when the UT transaction happened. Also observed the dollar amount of disputed transactions are normal, since we can observed that MM has same scale or even higher amount of transactions on the account indicating no breach of normal spending behavior. Spending velocity was normal Upon checking the evidence was enough to deny the Claim therefore no error found Case Closed FR 5242213947 5242218209 63321069

feb.26

1. 92135167003 2023-02-21 $74.00 Red River Co Tx Mot… Visa 7181 -
2. 92135166995 2023-02-21 $2.11 Red River Co Svc Fee Visa 7181

Dispute ID: 6377685 DND: 2023-02-23 Reg Z - Unauthorized Transaction

Dispute ID 6377685 DND date 2023-02-23 CH disputing (2) Credit - Unauthorized Transaction transaction from different merchants amounting to $76.11 and the transactions . Reg. Z claim. No claim cancellation and Merchant Credit found for one transaction . As per Penny Disputes Card status was in possession . Pin was stated "MEMORIZED". Card present transaction . ( Not eligible for PVC). Transaction has Entry mode 90 AVS RESULT B MTI code 0100

***overall investigation ***

***Upon checking there was no previous transaction from the same disputed merchants indication that merchants was not normal for CH. No spending pattern . Spending velocity was normal and as well as the dollar amount was normal since we can observed that CH has transactions which is higher than the normal amount or higher to the disputed amount . Upon checking there was manual funding event captured on 2023-02-20 10:41:35 for the amount of $100.00 from Transfer from Bancorp Debit (TJ) however there was in between transaction and we cannot used funding event as stand alone denial . Upon checking the disputed location was only 2 minutes away from the member's address on file indicating that merchants was with in the CH vicinity however there was no valid undisputed card present EMV transaction. Upon checking there's no freezing unfreezing observed with in the UT timeline . Upon checking there was no signs of PII changes with no signs of ATO when the UT transaction happened. the balance was low ending after the last disputed transaction $29.36. Upon checking there was no signs of fraud alert captured related to the disputed card number. Upon checking there was no response code showing on the RTA and there was no signs of suspicious decline code showing on the Galileo notes. Upon checking the evidence was not enough to deny the Claim Therefore error found case Closed FR 5242388933 5242388932

1. 96818894560 2023-02-23 $59.99 Classdojo * Trial Ov… Visa 4624 -

Dispute ID 6385185 DND date 2023-02-23 CH disputing (2) Credit - Unauthorized Transaction transaction from different merchants amounting to $59.99 and the transactions . Reg. Z claim. No claim cancellation and Merchant Credit found for one transaction . As per Penny Disputes Card status was in possession . Pin was stated "MEMORIZED". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 10 with MOTO ECI 2 (recurring transactions) AVS RESULT N MTI code 0100

overall investigation *** Upon checking there was no previous transaction from the same disputed merchants indication that merchants was not normal for CH. No spending pattern . Spending velocity was normal and as well as the dollar amount was normal since we can observed that CH has transactions which is higher than the normal amount or higher to the disputed amount . Upon checking there was manual funding event captured on 2023-02-20 22:30:59 from Transfer from Bancorp Debit (TJ) for the amount of $6072.14 . Freezing of the Card on 2023-02-22 20:39:29 . No PII changes with no signs of ATO when the UT transaction happened. There was no response code showing with in the UT transaction happened from RTA and no decline codes showing on the Galileo notes. Upon checking there was no signs of fraud alert captured related to the disputed card number. The available balance was high ending after the disputed transaction happened $5770.81. Upon checking the evidence was not enough to deny the Claim merchants was not with in the DNC therefore perform MCO however just routed to voicemail. Therefore proceed with CB Merchants has 30 days to respondCASED ON GOING FR 5242388989 ZD 63362228‬

Dispute ID 6370398 DND date 2023-02-23 CH disputing (3) Credit - Unauthorized Transaction transaction from different merchants amounting to $155.78 and the transactions . Reg. Z claim. No claim cancellation and Merchant Credit found for one transaction . As per Penny Disputes Card status was in possession . Pin was stated "MEMORIZED". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 01 with MOTO ECI 7 AVS RESULT Z MTI code 0100

overall investigation

Upon checking There was PI observed showing on Visa however no information provided .No previous transaction from the same disputed merchants indication that merchants was not normal for CH. No spending pattern . Spending velocity was not normal and as well as the dollar amount was not normal since we can observed that only the disputed amount was the highest among all the disputed transactions . Manual funding event was captured on 2023-02-22 14:12:03 for the amount of $569.77 happened on Transfer for Program DDA (TC). Upon checking there was decline code 46 showing on the Galileo notes and response code 46 was showing on the RTA . Upon checking there was no signs of fraud alert captured related to the disputed card number. Upon checking there was no signs of PII changes with no signs of ATO when the UT transaction happened. Also upon checking there was no signs of freezing unfreezing activity observed prior and with in the UT transaction happened. Upon checking there was no enough evidence to deny and unable to call the merchants since merchants was under the DNC therefore filed CB **merchants has 30 days to respond Cased on goingFR 5242436105 5242436106 5242436107 ZD 63363640‬

Dispute ID 6372223 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $78.00 and the transactions . Reg. Z claim. No claim cancellation Merchant Credit found for this transaction. As per Penny Disputes Card status was in possession . Pin was stated "compromised(phone) ". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 01 with MOTO ECI 7 AVS RESULT Z MTI code 0100 Overall investigation *Upon checking on Visa the disputed transaction was authorized as FLARE RIC LOAN PYMT, 4025395473, CAUS and settled as PEACH FINANCE, 402-539-5473, CAUS . Merchant Credit found and settled on 2023-02-23 17:00:44 PEACH FINANCE, OAKLAND, CAUS for the amount of $78.00 Therefore Closed the Claim as Error found Case Closed FR 5242428436 ZD 63364019

Dispute ID 6374798 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $30.89 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was in possession . Pin was stated "yes". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 10 with MOTO ECI 7 AVS RESULT N MTI code 0100

overall investigation Upon checking there was previous transaction from the same disputed merchants however there was no spending pattern observed. The Spending velocity was normal and as well as the dollar amount was normal since we can observed that CH has transactions which is higher than the normal amount or higher to the disputed amount .Manual funding event was captured on 2023-02-22 14:28:11 for the amount of $2278.00 from Transfer for Program DDA (TC). CH has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction. Upon checking there was no signs of suspicious decline codes and no response code showing on the RTA when the UT transaction happened . The available balance to spend was high ending after the disputed transaction $114.76 . There was no signs of fraud alert captured related to the disputed card number. Upon checking there was no signs of freezing unfreezing captured related to the disputed card number. Upon checking there was no signs of PII changes with no signs of ATO when the UT transaction happened. Upon checking the evidence was enough to deny the Claim Therefore no error found case Closed FR 5242445618 ZD 63364583

Dispute ID 6374740 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $83.91 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was unverified . Pin was stated "unverified ". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 01 with MOTO ECI 7 AVS RESULT Z MTI code 0100

overall investigation Upon checking there was no previous transaction from the same disputed merchants with no signs of spending pattern observed. Upon checking the spending velocity was normal as well as the dollar amount was normal since we can observed that there was transactions that was higher than the disputed amount. Upon checking there was manual funding event observed on 2023-02-21 21:18:20 for the amount of $597.62 from Transfer from Bancorp Debit (TJ) . "Freezing/ Unfreezing is observed prior the disputed transaction/ within the Disputed timeline. Which indicates that the member is still in control and in control of the cards activity. With unfreezing(enable) of the card observed prior the authorization of the disputed transaction suggesting that the member is still in control of the card's activity. " No signs of PII changes with no signs of ATO when the UT transaction happened. There was no signs of fraud alert captured related to the disputed card number. Upon checking there was no signs of decline codes showing on the Galileo notes and no response code showing on the RTA when the UT transaction happened. Upon checking the available balance to spend was high ending after the disputed transaction $ 232.88 and upon checking the evidence was not enough to deny the Claim therefore proceed with filing CB cased on goingMerchants has 30 days to respondFR 5242446326 ZD 63365030‬

Dispute ID 6372959 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $38.99 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was In possession. Pin was stated "memorized". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 10 with MOTO ECI 7 AVS RESULT Z MTI code 0100

overall investigation Upon checking there was previous transaction from Uber trip indication that merchants was normal for CH. With spending pattern for the month of December, January, February. Upon checking the spending velocity was normal as well as the dollar amount was normal since we can observed that there was transactions that was higher than the disputed amount. Upon checking there was manual funding event prior to the disputed transaction from Transfer from Bancorp Debit (TJ) happened on 2023-02-21 20:57:22 for the amount of $100.00 . Upon checking there was no signs of fraud alert captured related to the disputed card number. CH has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction. Upon checking there was decline code 46, 51 and response code 46, 51 showing on the Galileo notes and RTA however it was not with in the UT timeline but it was related to the disputed merchants. Upon checking there was PII changes observed when the UT transaction happened however it was initiated by the Card holder since we can observed it on address and status history that it was initiated by the User and the phone was not reported stolen. No freezing unfreezing activity showing on the address and status history prior and with in the UT transaction happened. The available balance to spend was low ending $2.28 after the disputed transaction was authorized. Upon checking the evidence was enough to deny the Claim therefore no error found Case Closed FR 5242446416 ZD 63365326

Dispute ID 6383077 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $73.74 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was In possession. Pin was stated "yes". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 01 with MOTO ECI 7 AVS RESULT Z MTI code 0100

overall investigation Upon checking there was no signs of previous transaction from the same disputed merchants indicating that merchants was not normal. No spending pattern observed. Upon checking the spending velocity was normal as well as the dollar amount was normal since we can observed that there was transactions that was higher than the disputed amount. Manual funding event was captured on 2023-02-21 22:45:08 for the amount of $2000.92 from Transfer from Bancorp Debit (TJ) .Upon checking there was no signs of decline code showing on the Galileo notes and response code 85 was showing on the RTA when the UT transaction happened. Upon checking there was no signs of fraud alert was captured related to the disputed card number. No signs of PII changes with no signs of ATO when the UT transaction happened. Also observed that there was no signs of freezing unfreezing activity showing on the address and status history when the UT transaction happened. Upon checking the available balance to spend was high ending $2000.78 after the disputed transaction happened. Upon checking the evidence was not enough to deny the Claim Therefore proceed with CB case on going Merchants has 30 days to respond**,FR 5242446479 ZD 63365669

Dispute ID 6375018 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $183.36 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was not In possession. Pin was stated "yes". Card present transaction . ( Not eligible for PVC). Transaction has Entry mode 7 AVS RESULT B MTI code 0100

overall investigation Manual funding event was observed on 2023-02-21 15:58:55 for the amount of $3794.40 from Transfer from Bancorp Debit (TJ) and even if there was in between transaction after the fund was added the amount can still cover the disputed transaction and the available balance to spend prior the authorization was high ending $109.04. Upon checking the disputed location was only 18 minutes away from the member's address on file indicating that merchants was with in the CH vicinity . "Freezing/ Unfreezing is observed prior the disputed transaction/ within the Disputed timeline. Which indicates that the member is still in control and in control of the cards activity. With unfreezing(enable) of the card observed prior the authorization of the disputed transaction suggesting that the member is still in control of the card's activity. Upon checking there was no signs of PII changes with no signs of ATO when the UT transaction happened. " There was no signs of fraud alert captured related to the disputed card number . No suspicious decline codes showing on the Galileo notes and no response code was showing on the RTA when the UT transaction happened. Upon checking there was no previous transaction from the same disputed merchants indication that merchants was not normal to CH. No spending pattern observed .Upon checking the spending velocity was normal as well as the dollar amount was normal since we can observed that there was transactions that was higher than the disputed amount however Upon checking the evidence was enough to deny the Claim Therefore no error found Case Closed FR 5242453193 ZD 63366434

Dispute ID 6374663 DND date 2023-02-23 CH disputing (1) Credit - Unauthorized Transaction transaction from different merchants amounting to $31.50 and the transactions . Reg. Z claim. No claim cancellation nor Merchant Credit found . As per Penny Disputes Card status was In possession. Pin was stated "memorized". Card not present transaction . ( Not eligible for PVC). Transaction has Entry mode 10 with MOTO ECI 2 (recurring transactions) AVS RESULT Z MTI code 0100

***Upon checking Disputed Transactions is under MOTO 2 (recurring) therefore proving that CH initially subscribed on this merchant before. There was previous transaction from the same disputed merchants indicating that merchants was normal for CH . There's no spending pattern observed. Upon checking the spending velocity was normal as well as the dollar amount was normal since we can observed that there was transactions that was higher than the disputed amount . Manual funding event was observed on from Transfer for Program DDA (TC) on 2023-02-21 02:10:24 for the amount of $95.20 and even there was transaction after the fund the amount was still enough to cover the disputed transaction. With freezing of the card showing on the address and status history when the UT transaction happened. There was no response code and decline code from authorization to settlement of the disputed transaction. Also observed that there's of PII changes with no signs of ATO when the UT transaction happened. Upon checking no signs of fraud alert was captured related to the disputed card number. Upon checking CH has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction. Upon checking the evidence was enough to deny the Claim therefore no error found Case Closed FR 5242453238 ZD 63367005