{
  "model": "grayson-1",
  "state": {
    "case": {
      "case_id": "DSP-2026-104788",
      "queue": "Debit card disputes, intake",
      "claim_received": "2026-10-03T13:40:00Z",
      "regulation": "Regulation E (consumer debit card, point-of-sale)",
      "provisional_credit_due_by": "2026-10-16",
      "final_determination_due_by": "2027-01-01"
    },
    "member": {
      "member_id": "mem_18240",
      "name": "Renee A. Castillo",
      "age": 38,
      "member_since": "2015-10-02",
      "address_on_file": "2251 Glenmore Ave, Kettering, OH 45420 (since 2020-07-17)",
      "phone_on_file": "(937) 555-0129, mobile, unchanged since 2017-03-30",
      "email_on_file": "renee.castillo@example.com, unchanged since 2017-03-30",
      "owners_and_users": "Sole owner of all accounts; no joint owners or authorized users, now or before",
      "income": "Payroll direct deposit every other Friday from RIVERBEND MEDICAL GRP",
      "products": [
        "Checking x7731 (opened 2015-10-02)",
        "Savings x7749 (balance $4,882.10)",
        "Visa debit card x5582"
      ]
    },
    "card": {
      "card": "Visa debit x5582",
      "issued": "2024-09-10 (reissued at expiry)",
      "expires": "2028-09",
      "pin_last_changed": "2024-09-14",
      "mobile_wallet": "Apple Pay token provisioned 2024-09-12 to the member's iPhone (device B1)",
      "alerts_and_controls": "No purchase or balance alerts set. Locked by the member in the app 2026-10-03T01:09Z.",
      "travel_notices": "None",
      "debit_card_overdraft_opt_in": false,
      "status_at_claim": "Closed 2026-10-03T13:52Z during the claim call; replacement x3907 ordered"
    },
    "network_alerts": [],
    "deposit_account": {
      "account": "Checking x7731",
      "overdraft_coverage": "Not opted in for ATM and one-time debit card overdraft",
      "available_balance_at_claim": 6402.89,
      "average_daily_balance_90_days": 6036.34,
      "lowest_balance_180_days": 1077.13,
      "month_end_balances": {
        "2026-04": 1865.22,
        "2026-05": 5139.66,
        "2026-06": 5528.8,
        "2026-07": 6409.01,
        "2026-08": 6188.56,
        "2026-09": 5608.2
      },
      "overdraft_and_nsf_12_months": "None"
    },
    "card_transactions": {
      "period": "2026-06-06 to 2026-10-03, card x5582, all authorizations including declines; times UTC (member is in US Eastern time)",
      "columns": [
        "time_utc",
        "merchant",
        "mcc",
        "amount_usd",
        "entry",
        "verification",
        "result"
      ],
      "rows": [
        [
          "2026-06-07T21:03:57Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          44.7,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-07T21:31:15Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          50.82,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-08T01:49:28Z",
          "TARGET.COM MINNEAPOLIS MN",
          "5310",
          55.7,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-06-08T21:41:20Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          100.12,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-08T22:57:13Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          45.96,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-09T03:28:16Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          19.67,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-09T10:36:14Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          8.81,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-09T13:11:36Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          132.58,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-10T10:02:03Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          7.21,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-11T09:20:27Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-11T21:27:34Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          99.27,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-14T19:58:44Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          26.46,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-14T22:40:03Z",
          "MARATHON PETRO189712 DAYTON OH",
          "5542",
          57.57,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-15T01:40:18Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          "5661",
          132.48,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-06-15T01:54:09Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          30.12,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-16T03:01:01Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          21.6,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-16T09:41:44Z",
          "DISNEY PLUS BURBANK CA",
          "4899",
          9.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-16T15:54:52Z",
          "CHIPOTLE 2211 DAYTON OH",
          "5814",
          6.1,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-17T00:53:08Z",
          "AMAZON MKTPL*8WLU2Q2MA AMZN.COM/BILL WA",
          "5999",
          84.48,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-17T01:28:58Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          37.98,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-18T00:14:35Z",
          "Amazon.com*8Z18776D9 AMZN.COM/BILL WA",
          "5942",
          28.4,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-18T10:53:28Z",
          "SPEEDWAY 05532 KETTERING OH",
          "5542",
          70,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-06-20T10:26:39Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          7.12,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-20T15:32:39Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          12.69,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-20T21:25:47Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          139.77,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-21T02:12:05Z",
          "FRAGWORKS.GG PREMIUM AUSTIN TX",
          "5816",
          14.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-06-21T02:52:54Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          34.69,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-22T21:13:50Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          33.65,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-23T10:36:00Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          6.91,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-23T20:12:14Z",
          "GREAT CLIPS #4417 KETTERING OH",
          "7230",
          24.65,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-24T15:35:41Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          11.13,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-25T00:10:10Z",
          "AMAZON MKTPL*U6G2FFTWJ AMZN.COM/BILL WA",
          "5999",
          19.29,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-26T10:15:03Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          7.2,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-26T15:29:47Z",
          "CHIPOTLE 2211 DAYTON OH",
          "5814",
          6.79,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-27T00:49:15Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          22.84,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-27T16:36:15Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          15.79,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-30T17:17:46Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          "5651",
          86.24,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-06-30T22:01:48Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          22.21,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-30T23:39:25Z",
          "CHIPOTLE 2211 DAYTON OH",
          "5814",
          9.33,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-01T22:25:57Z",
          "DOLLAR TREE 04417 KETTERING OH",
          "5331",
          81.49,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-02T01:04:39Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          31.68,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-02T21:07:22Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          10.61,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-04T02:04:26Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          34.59,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-05T08:12:32Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          17.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-06T10:27:55Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          11,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-07T16:42:26Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          15.27,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-08T01:14:25Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          47.92,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-08T16:00:00Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          "5651",
          -34.97,
          "refund",
          "merchant credit",
          "credit"
        ],
        [
          "2026-07-09T10:43:15Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          8.2,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-09T22:48:53Z",
          "CHIPOTLE 2211 DAYTON OH",
          "5814",
          15.59,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-10T11:01:13Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          5.33,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-11T08:06:52Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-11T10:37:57Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          7.01,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-11T11:23:34Z",
          "MARATHON PETRO189712 DAYTON OH",
          "5542",
          49.78,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-07-12T22:16:42Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          22.45,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-12T22:42:19Z",
          "DOLLAR TREE 04417 KETTERING OH",
          "5331",
          42.7,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-13T17:10:37Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          7.88,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-13T22:06:05Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          26.83,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-13T23:28:38Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          23.23,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-14T15:12:20Z",
          "GLENMORE PIZZA CO KETTERING OH",
          "5812",
          24.3,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-15T02:26:47Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          20.04,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-15T21:03:42Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          13.11,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-16T08:38:29Z",
          "DISNEY PLUS BURBANK CA",
          "4899",
          9.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-16T17:29:21Z",
          "MICHAELS #3712 DAYTON OH",
          "5945",
          45.13,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-17T03:46:55Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          28.34,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-17T16:54:56Z",
          "Amazon.com*J5Q0WX5WG AMZN.COM/BILL WA",
          "5942",
          24.11,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-17T17:19:47Z",
          "KETTERING REC COMPLEX KETTERING OH",
          "7997",
          17.82,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-17T22:18:57Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          29.16,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-18T01:17:36Z",
          "TARGET.COM MINNEAPOLIS MN",
          "5310",
          75.51,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-07-18T13:26:08Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          98.47,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-19T01:57:21Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          30.43,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-20T03:02:44Z",
          "FRAGWORKS.GG AUSTIN TX",
          "5816",
          49.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-07-20T08:31:49Z",
          "FRAGWORKS.GG PREMIUM AUSTIN TX",
          "5816",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-20T10:22:00Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          5.8,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-20T15:10:35Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          26.12,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-22T01:30:02Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          41.63,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-22T10:32:19Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          5.31,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-22T21:36:57Z",
          "DOLLAR TREE 04417 KETTERING OH",
          "5331",
          44.69,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-23T00:42:00Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          28.91,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-23T01:28:08Z",
          "TARGET.COM MINNEAPOLIS MN",
          "5310",
          38.15,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-07-23T01:48:40Z",
          "TARGET.COM MINNEAPOLIS MN",
          "5310",
          106.75,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-07-23T02:44:38Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          25.37,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-23T16:59:55Z",
          "GLENMORE PIZZA CO KETTERING OH",
          "5812",
          27.4,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-28T10:12:38Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          10.38,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-28T23:27:39Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          62.29,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-30T21:44:36Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          34.39,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-31T22:48:56Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          42.06,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-31T23:54:54Z",
          "MARATHON PETRO189712 DAYTON OH",
          "5542",
          47.18,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-01T10:25:20Z",
          "MARATHON PETRO189712 DAYTON OH",
          "5542",
          34.54,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-01T16:12:56Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          22.03,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-01T16:39:11Z",
          "GLENMORE PIZZA CO KETTERING OH",
          "5812",
          20.19,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-02T15:42:43Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          202.88,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-02T16:07:16Z",
          "Amazon.com*XLR4C7N3P AMZN.COM/BILL WA",
          "5942",
          21.07,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-03T00:06:56Z",
          "AMAZON MKTPL*7WW06ADEG AMZN.COM/BILL WA",
          "5999",
          11.62,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-03T00:52:16Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          31.97,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-04T00:32:37Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          50.76,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-04T01:17:00Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          40.73,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-05T12:48:26Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          17.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-05T15:39:01Z",
          "CHIPOTLE 2211 DAYTON OH",
          "5814",
          19.16,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-06T11:51:44Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          12.99,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-06T21:20:02Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          136.72,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-06T22:15:24Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          55.57,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-07T01:38:06Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          14.96,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-07T01:48:46Z",
          "TARGET.COM MINNEAPOLIS MN",
          "5310",
          51.08,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-08-08T00:04:04Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          41.4,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-09T00:42:04Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          30.55,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-09T22:00:52Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          35.47,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-09T22:46:36Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          34.02,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-10T02:31:10Z",
          "FRAGWORKS.GG AUSTIN TX",
          "5816",
          24.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-08-10T03:44:03Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          44.38,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-11T07:05:05Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-11T11:13:17Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          6.11,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-11T21:13:36Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          18.72,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-11T21:47:19Z",
          "DOLLAR TREE 04417 KETTERING OH",
          "5331",
          15.32,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-11T23:19:05Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          31.08,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-12T02:07:38Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          47.28,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-12T11:49:21Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          7.07,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-14T22:14:01Z",
          "SPEEDWAY 05532 KETTERING OH",
          "5542",
          39.81,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-15T00:43:01Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          59.05,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-15T22:01:00Z",
          "MARATHON PETRO189712 DAYTON OH",
          "5542",
          53.41,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-15T23:14:45Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          57.54,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-16T00:33:23Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          24.59,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-16T12:30:37Z",
          "DISNEY PLUS BURBANK CA",
          "4899",
          9.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-17T14:04:37Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          49.97,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-18T10:39:52Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          9.83,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-19T14:54:54Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          52.04,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-19T22:24:39Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          26.13,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-20T01:49:59Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          "5651",
          32.71,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-08-20T07:52:34Z",
          "FRAGWORKS.GG PREMIUM AUSTIN TX",
          "5816",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-20T10:27:02Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          4.57,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-20T23:57:59Z",
          "MARATHON PETRO189712 DAYTON OH",
          "5542",
          52.78,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-21T10:28:04Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          3.9,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-21T21:14:33Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          36.17,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-21T22:10:59Z",
          "SPEEDWAY 05532 KETTERING OH",
          "5542",
          46.71,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-21T22:36:55Z",
          "KETTERING REC COMPLEX KETTERING OH",
          "7997",
          9.42,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-23T01:18:11Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          22.09,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-23T10:23:29Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          5.06,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-23T16:53:55Z",
          "AMAZON MKTPL*FK5N4RTFD AMZN.COM/BILL WA",
          "5999",
          35.38,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-23T21:14:21Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          37.52,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-24T00:57:36Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          "5661",
          96,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-08-24T22:39:10Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          163.64,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-24T23:44:14Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          46.23,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-25T03:42:26Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          27.6,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-27T01:32:21Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          29.78,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-28T15:59:13Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          80.09,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-28T21:51:28Z",
          "CHIPOTLE 2211 DAYTON OH",
          "5814",
          25.22,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-29T02:44:22Z",
          "DOORDASH*TACO BELL SAN FRANCISCO CA",
          "5812",
          37.88,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-30T01:10:29Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          22.84,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-31T01:48:27Z",
          "DOORDASH*BUFFALO WILD SAN FRANCISCO CA",
          "5812",
          42.35,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-31T21:33:37Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          14.23,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-01T01:04:12Z",
          "DOORDASH*CANES SAN FRANCISCO CA",
          "5812",
          38.28,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-01T10:50:57Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          5.87,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-01T22:59:43Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          14.51,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-02T01:42:29Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          42.75,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-02T17:04:26Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          6.15,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-03T22:44:36Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          81.73,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-04T21:34:19Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          77.71,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-04T23:40:15Z",
          "ALDI 72031 KETTERING OH",
          "5411",
          78.48,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-05T09:55:46Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          17.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-07T02:22:48Z",
          "AMAZON MKTPL*CFHC11JUM AMZN.COM/BILL WA",
          "5999",
          33.18,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-08T01:10:17Z",
          "AMAZON MKTPL*GCBSSPWAY AMZN.COM/BILL WA",
          "5999",
          53.82,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-11T12:20:16Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-12T02:18:44Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          "5661",
          214.97,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-15T00:11:10Z",
          "AMAZON MKTPL*S7ZYNTEU3 AMZN.COM/BILL WA",
          "5999",
          28.24,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-15T16:46:26Z",
          "PANERA BREAD #204917 DAYTON OH",
          "5814",
          11.06,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-16T09:19:21Z",
          "DISNEY PLUS BURBANK CA",
          "4899",
          9.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-16T10:35:31Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          6.89,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-17T10:00:50Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          6.42,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-17T21:33:58Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          17.4,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-18T21:28:01Z",
          "GLENMORE PIZZA CO KETTERING OH",
          "5812",
          27.59,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-19T03:05:10Z",
          "FRAGWORKS.GG AUSTIN TX",
          "5816",
          49.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-19T21:24:51Z",
          "KOHLS #1290 BEAVERCREEK OH",
          "5311",
          94.01,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-19T23:39:35Z",
          "DOORDASH*CHICK-FIL-A SAN FRANCISCO CA",
          "5812",
          37.99,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-20T08:04:24Z",
          "FRAGWORKS.GG PREMIUM AUSTIN TX",
          "5816",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-20T11:24:32Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          5.99,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-21T10:52:23Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          9.33,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-21T14:25:45Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          21.56,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-21T21:28:06Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          9,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-21T21:29:48Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          189.17,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-22T15:19:12Z",
          "CHICK-FIL-A #01822 KETTERING OH",
          "5814",
          12.51,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-22T22:51:29Z",
          "KETTERING REC COMPLEX KETTERING OH",
          "7997",
          14.61,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-23T22:01:36Z",
          "DOORDASH*CHICK-FIL-A SAN FRANCISCO CA",
          "5812",
          26.1,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-23T22:51:50Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          44.03,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-24T01:41:27Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          "5661",
          168.4,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-24T23:33:59Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          49.39,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-25T21:05:03Z",
          "DOORDASH*CHICK-FIL-A SAN FRANCISCO CA",
          "5812",
          15.49,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-25T23:17:08Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          90.57,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-26T18:04:30Z",
          "TARGET 00011582 KETTERING OH",
          "5310",
          11.52,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-27T02:33:23Z",
          "AMAZON MKTPL*QYSQ26SD1 AMZN.COM/BILL WA",
          "5999",
          59.19,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-28T17:22:38Z",
          "STARBUCKS STORE 08812 KETTERING OH",
          "5814",
          9.23,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-29T23:36:31Z",
          "MEIJER #219 KETTERING OH",
          "5411",
          98.1,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-30T00:52:09Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          "5661",
          289,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-30T02:08:46Z",
          "TARGET.COM MINNEAPOLIS MN",
          "5310",
          78.07,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-10-01T22:22:10Z",
          "KROGER #0961 KETTERING OH",
          "5411",
          87.42,
          "Apple Pay",
          "Face ID",
          "approved"
        ]
      ]
    },
    "other_account_activity": {
      "period": "2026-04-06 to 2026-10-03, checking x7731, excluding card transactions",
      "columns": [
        "posted",
        "description",
        "type",
        "amount_usd"
      ],
      "rows": [
        [
          "2026-04-06",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-04-08",
          "AT&T MOBILITY ONLINE PMT",
          "ACH debit",
          -118.4
        ],
        [
          "2026-04-13",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-04-13",
          "AES OHIO WEB PMT",
          "ACH debit",
          -102.41
        ],
        [
          "2026-04-15",
          "CENTERPOINT ENERGY OH PMT",
          "ACH debit",
          -58.66
        ],
        [
          "2026-04-17",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2155.12
        ],
        [
          "2026-04-20",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-04-27",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-04-27",
          "ERIE INSURANCE PREM",
          "ACH debit",
          -151.2
        ],
        [
          "2026-05-01",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2284.55
        ],
        [
          "2026-05-01",
          "HOMEPOINTE LN SVC MTG PMT",
          "ACH debit",
          -1312.08
        ],
        [
          "2026-05-01",
          "ZELLE FROM TYLER PIKE (memo: rent)",
          "Zelle in",
          650
        ],
        [
          "2026-05-04",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-05-08",
          "AT&T MOBILITY ONLINE PMT",
          "ACH debit",
          -118.4
        ],
        [
          "2026-05-11",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-05-12",
          "AES OHIO WEB PMT",
          "ACH debit",
          -84.18
        ],
        [
          "2026-05-15",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2203.21
        ],
        [
          "2026-05-15",
          "CENTERPOINT ENERGY OH PMT",
          "ACH debit",
          -68.44
        ],
        [
          "2026-05-17",
          "ZELLE TO BRIANNA COLE",
          "Zelle out",
          -60
        ],
        [
          "2026-05-18",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-05-25",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-05-25",
          "ERIE INSURANCE PREM",
          "ACH debit",
          -151.2
        ],
        [
          "2026-05-29",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2211.42
        ],
        [
          "2026-06-01",
          "HOMEPOINTE LN SVC MTG PMT",
          "ACH debit",
          -1312.08
        ],
        [
          "2026-06-01",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-06-01",
          "ZELLE FROM TYLER PIKE (memo: rent)",
          "Zelle in",
          650
        ],
        [
          "2026-06-08",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-06-08",
          "AT&T MOBILITY ONLINE PMT",
          "ACH debit",
          -118.4
        ],
        [
          "2026-06-12",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2128.7
        ],
        [
          "2026-06-12",
          "AES OHIO WEB PMT",
          "ACH debit",
          -147.71
        ],
        [
          "2026-06-15",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-06-15",
          "CENTERPOINT ENERGY OH PMT",
          "ACH debit",
          -35.12
        ],
        [
          "2026-06-19",
          "ZELLE TO TYLER PIKE (memo: concert tix)",
          "Zelle out",
          -40
        ],
        [
          "2026-06-22",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-06-25",
          "ERIE INSURANCE PREM",
          "ACH debit",
          -151.2
        ],
        [
          "2026-06-26",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2181.91
        ],
        [
          "2026-06-27",
          "ZELLE TO BRIANNA COLE",
          "Zelle out",
          -80
        ],
        [
          "2026-06-29",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-07-01",
          "HOMEPOINTE LN SVC MTG PMT",
          "ACH debit",
          -1312.08
        ],
        [
          "2026-07-01",
          "ZELLE FROM TYLER PIKE (memo: rent)",
          "Zelle in",
          650
        ],
        [
          "2026-07-06",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-07-08",
          "AT&T MOBILITY ONLINE PMT",
          "ACH debit",
          -118.4
        ],
        [
          "2026-07-10",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2472.87
        ],
        [
          "2026-07-11",
          "TRANSFER TO SAVINGS x7749",
          "transfer",
          -300
        ],
        [
          "2026-07-13",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-07-13",
          "AES OHIO WEB PMT",
          "ACH debit",
          -151.5
        ],
        [
          "2026-07-15",
          "CENTERPOINT ENERGY OH PMT",
          "ACH debit",
          -32.57
        ],
        [
          "2026-07-20",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-07-24",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2170.45
        ],
        [
          "2026-07-27",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-07-27",
          "ERIE INSURANCE PREM",
          "ACH debit",
          -151.2
        ],
        [
          "2026-08-01",
          "ZELLE FROM TYLER PIKE (memo: rent)",
          "Zelle in",
          650
        ],
        [
          "2026-08-03",
          "HOMEPOINTE LN SVC MTG PMT",
          "ACH debit",
          -1312.08
        ],
        [
          "2026-08-03",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-08-07",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2217.17
        ],
        [
          "2026-08-10",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -210
        ],
        [
          "2026-08-10",
          "AT&T MOBILITY ONLINE PMT",
          "ACH debit",
          -118.4
        ],
        [
          "2026-08-12",
          "AES OHIO WEB PMT",
          "ACH debit",
          -164.11
        ],
        [
          "2026-08-15",
          "ZELLE TO BRIANNA COLE",
          "Zelle out",
          -60
        ],
        [
          "2026-08-17",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-08-17",
          "CENTERPOINT ENERGY OH PMT",
          "ACH debit",
          -31.04
        ],
        [
          "2026-08-21",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2093.65
        ],
        [
          "2026-08-24",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-08-25",
          "ERIE INSURANCE PREM",
          "ACH debit",
          -151.2
        ],
        [
          "2026-08-31",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-09-01",
          "HOMEPOINTE LN SVC MTG PMT",
          "ACH debit",
          -1312.08
        ],
        [
          "2026-09-04",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2082.49
        ],
        [
          "2026-09-04",
          "TRANSFER TO SAVINGS x7749",
          "transfer",
          -200
        ],
        [
          "2026-09-07",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-09-08",
          "AT&T MOBILITY ONLINE PMT",
          "ACH debit",
          -118.4
        ],
        [
          "2026-09-14",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-09-14",
          "AES OHIO WEB PMT",
          "ACH debit",
          -167.99
        ],
        [
          "2026-09-15",
          "CENTERPOINT ENERGY OH PMT",
          "ACH debit",
          -34.95
        ],
        [
          "2026-09-18",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2252.75
        ],
        [
          "2026-09-21",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-09-25",
          "ERIE INSURANCE PREM",
          "ACH debit",
          -151.2
        ],
        [
          "2026-09-26",
          "ZELLE TO BRIANNA COLE",
          "Zelle out",
          -90
        ],
        [
          "2026-09-28",
          "BRIGHT OAKS LEARNING CTR TUITION",
          "ACH debit",
          -172
        ],
        [
          "2026-10-01",
          "HOMEPOINTE LN SVC MTG PMT",
          "ACH debit",
          -1312.08
        ],
        [
          "2026-10-02",
          "RIVERBEND MEDICAL GRP PAYROLL PPD",
          "ACH credit",
          2194.19
        ]
      ]
    },
    "three_d_secure_log": {
      "period": "2026-04-06 to 2026-10-03, every 3-D Secure authentication on card x5582 (our access control server)",
      "devices": {
        "T1": "iPhone, Mobile Safari, iOS 18; same device fingerprint as online banking device B1",
        "T2": "Android phone (Pixel 8), Chrome; first seen 2026-06-14; never seen in the member's online banking"
      },
      "columns": [
        "time_utc",
        "merchant",
        "amount_usd",
        "flow",
        "result",
        "device",
        "ip"
      ],
      "rows": [
        [
          "2026-04-18T01:36:22Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          35.93,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-05-07T17:04:45Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          81.32,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-05-13T01:22:31Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          74.83,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-06-08T01:49:28Z",
          "TARGET.COM MINNEAPOLIS MN",
          55.7,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-06-15T01:40:18Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          132.48,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.56"
        ],
        [
          "2026-06-21T02:12:05Z",
          "FRAGWORKS.GG PREMIUM AUSTIN TX",
          14.99,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.56"
        ],
        [
          "2026-06-30T17:17:46Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          86.24,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-07-18T01:17:36Z",
          "TARGET.COM MINNEAPOLIS MN",
          75.51,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-07-20T03:02:44Z",
          "FRAGWORKS.GG AUSTIN TX",
          49.99,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.56"
        ],
        [
          "2026-07-23T01:28:08Z",
          "TARGET.COM MINNEAPOLIS MN",
          38.15,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-07-23T01:48:40Z",
          "TARGET.COM MINNEAPOLIS MN",
          106.75,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-08-07T01:48:46Z",
          "TARGET.COM MINNEAPOLIS MN",
          51.08,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-08-10T02:31:10Z",
          "FRAGWORKS.GG AUSTIN TX",
          24.99,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.56"
        ],
        [
          "2026-08-20T01:49:59Z",
          "OLDNAVY.COM SAN FRANCISCO CA",
          32.71,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ],
        [
          "2026-08-24T00:57:36Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          96,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.56"
        ],
        [
          "2026-09-12T02:18:44Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          214.97,
          "frictionless",
          "authenticated",
          "T2",
          "203.0.113.141"
        ],
        [
          "2026-09-19T03:05:10Z",
          "FRAGWORKS.GG AUSTIN TX",
          49.99,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.203"
        ],
        [
          "2026-09-24T01:41:27Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          168.4,
          "frictionless",
          "authenticated",
          "T2",
          "198.51.100.203"
        ],
        [
          "2026-09-27T22:12:03Z",
          "FRAGWORKS.GG AUSTIN TX",
          99.99,
          "challenge: SMS code to (937) 555-0129",
          "failed: code not entered (timed out)",
          "T2",
          "198.51.100.203"
        ],
        [
          "2026-09-27T22:19:40Z",
          "FRAGWORKS.GG AUSTIN TX",
          99.99,
          "challenge: SMS code to (937) 555-0129",
          "failed: code not entered (timed out)",
          "T2",
          "198.51.100.203"
        ],
        [
          "2026-09-30T00:52:09Z",
          "SOLVARA ATHLETIC PORTLAND OR",
          289,
          "frictionless",
          "authenticated",
          "T2",
          "203.0.113.141"
        ],
        [
          "2026-09-30T02:08:46Z",
          "TARGET.COM MINNEAPOLIS MN",
          78.07,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.56"
        ]
      ]
    },
    "card_alerts_sent": [
      {
        "sent": "2026-09-27T22:12:05Z",
        "type": "3-D Secure one-time code by SMS to (937) 555-0129",
        "for": "FRAGWORKS.GG $99.99 (device T2)",
        "result": "Not entered; timed out at 22:17:05Z, purchase not authorized"
      },
      {
        "sent": "2026-09-27T22:19:42Z",
        "type": "3-D Secure one-time code by SMS to (937) 555-0129",
        "for": "FRAGWORKS.GG $99.99 (device T2)",
        "result": "Not entered; timed out at 22:24:42Z, purchase not authorized"
      }
    ],
    "digital_banking": {
      "devices": {
        "B1": "iPhone 15, mobile app, first seen 2023-11-24, last seen 2026-10-03",
        "B2": "Windows laptop, Edge, first seen 2020-08-01, last seen 2026-08-30"
      },
      "ip_addresses": {
        "198.51.100.56": "Residential cable ISP, Kettering, OH; 204 of the member's 297 sessions in the last 12 months",
        "192.0.2.140": "Employer network (hospital), Dayton, OH",
        "203.0.113.27, 203.0.113.180": "Mobile carrier, Ohio; the member's phone away from home",
        "203.0.113.141": "Mobile carrier, Dayton, OH area; never seen in the member's online banking",
        "198.51.100.203": "Residential cable ISP, Dayton, OH; never seen in the member's online banking"
      },
      "profile_changes_12_months": [
        {
          "date": "2026-09-08",
          "change": "Online banking password changed",
          "device": "B1",
          "ip": "198.51.100.56"
        },
        {
          "date": "2026-09-08",
          "change": "Zelle recipient TYLER PIKE deleted",
          "device": "B1",
          "ip": "198.51.100.56"
        }
      ],
      "sessions_90_days": {
        "columns": [
          "time_utc",
          "device",
          "ip",
          "activity"
        ],
        "rows": [
          [
            "2026-07-06T16:10:03Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-06T23:38:17Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-11T17:55:40Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-07-13T16:10:39Z",
            "B1",
            "203.0.113.27",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-15T10:27:15Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-15T23:07:14Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-17T16:27:01Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-07-22T01:01:33Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-24T16:02:26Z",
            "B1",
            "203.0.113.180",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-24T23:05:12Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-30T00:27:08Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-02T02:41:02Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-04T16:37:05Z",
            "B1",
            "192.0.2.140",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-08-08T00:03:37Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-10T16:03:24Z",
            "B2",
            "198.51.100.56",
            "web, password; transfer between own accounts"
          ],
          [
            "2026-08-13T01:46:10Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-08-15T01:43:22Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-15T02:26:22Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-15T02:36:59Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-22T23:38:07Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-23T17:47:55Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-08-23T23:27:28Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-26T01:15:57Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; statements"
          ],
          [
            "2026-08-27T02:17:23Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-29T01:49:29Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-30T02:12:44Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-08-31T00:14:51Z",
            "B2",
            "198.51.100.56",
            "web, password; account activity (last session on this device)"
          ],
          [
            "2026-09-01T16:24:31Z",
            "B1",
            "192.0.2.140",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-02T23:34:09Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-09-08T14:21:33Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; password changed (during the 9/8 call)"
          ],
          [
            "2026-09-08T14:24:02Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; Zelle recipient deleted: TYLER PIKE"
          ],
          [
            "2026-09-13T15:22:40Z",
            "B1",
            "192.0.2.140",
            "mobile app, Face ID; transaction detail: SOLVARA ATHLETIC $214.97 (pending)"
          ],
          [
            "2026-09-13T17:01:39Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-16T00:54:21Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-17T16:05:53Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-09-18T23:03:13Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-21T16:41:23Z",
            "B1",
            "203.0.113.180",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-23T01:22:46Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-10-01T00:40:02Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; Zelle"
          ],
          [
            "2026-10-02T00:48:08Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-10-03T01:05:18Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-10-03T01:09:44Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; card controls: card x5582 locked"
          ],
          [
            "2026-10-03T13:31:07Z",
            "B1",
            "198.51.100.56",
            "mobile app, Face ID; account activity"
          ]
        ]
      }
    },
    "contact_history_12_months": [
      {
        "time": "2026-05-14T16:10:00Z",
        "channel": "Secure message",
        "summary": "Asked to raise her mobile deposit limit; raised to $5,000 a day."
      },
      {
        "time": "2026-09-08T14:12:00Z",
        "channel": "Phone",
        "agent": "Member services (not disputes)",
        "summary": "Member asked how to remove her ex-partner, Tyler Pike, from her accounts; he moved out 9/7 and 'has all my stuff saved on his phone'. He is not an owner or authorized user on any account. Had her change her online banking password during the call and delete him as a Zelle recipient. Member satisfied.",
        "card_action": "None; card x5582 was not blocked or reissued, and the note does not say whether the card came up",
        "recording": "Available in the call-recording system (kept 24 months); not yet reviewed"
      }
    ],
    "prior_disputes": [
      {
        "filed": "2024-02-12",
        "merchant": "Hotel booking site",
        "amount_usd": 236.18,
        "reason": "Cancelled reservation, refund not received",
        "outcome": "Closed 2024-02-29 after the merchant issued the credit"
      }
    ],
    "disputed_merchants": [
      {
        "merchant": "SOLVARA ATHLETIC PORTLAND OR",
        "mcc": "5661 Shoe stores",
        "location": "Portland, OR (e-commerce)",
        "our_portfolio_90_days": {
          "cards_with_purchases": 1104,
          "fraud_claims": 2,
          "fraud_claim_rate_pct": 0.18
        },
        "merchant_order_details": {
          "source": "Visa Order Insight, merchant response retrieved during the claim call at 2026-10-03T13:47:20Z",
          "customer_account": {
            "name": "Tyler Pike",
            "created": "2026-06-14",
            "email": "tpike.mx@example.net (not the member's)",
            "phone": "(937) 555-0177 (not the member's)",
            "card_x5582_saved": "2026-06-14",
            "orders": 5
          },
          "orders": [
            {
              "order": "SA-2210457",
              "date": "2026-06-14",
              "amount_usd": 132.48,
              "items": "Men's running shoes",
              "ship_to": "Member's address on file",
              "delivery": "Delivered 2026-06-18"
            },
            {
              "order": "SA-2398110",
              "date": "2026-08-23",
              "amount_usd": 96,
              "items": "Men's slides; socks (6-pack)",
              "ship_to": "Member's address on file",
              "delivery": "Delivered 2026-08-27"
            },
            {
              "order": "SA-2471906",
              "date": "2026-09-11",
              "amount_usd": 214.97,
              "items": "Men's basketball shoes; hoodie",
              "ship_to": "418 Wyoming St, Apt 3, Dayton, OH 45410 (new address added to the account 2026-09-11)",
              "delivery": "Delivered 2026-09-16"
            },
            {
              "order": "SA-2502384",
              "date": "2026-09-23",
              "amount_usd": 168.4,
              "items": "Men's training shoes",
              "ship_to": "Member's address on file (the account's default address)",
              "delivery": "Delivered 2026-09-28, front porch"
            },
            {
              "order": "SA-2533071",
              "date": "2026-09-29",
              "amount_usd": 289,
              "items": "Men's limited-release sneakers",
              "ship_to": "418 Wyoming St, Apt 3, Dayton, OH 45410",
              "delivery": "Delivered 2026-10-02"
            }
          ],
          "device_and_ip": "The same Android device ID on all five orders; IP 198.51.100.56 on the June and August orders, 203.0.113.141 and 198.51.100.203 on the September orders",
          "compelling_evidence_3_0": "Does not qualify: the earliest undisputed order is 111 days before the dispute (Visa requires 120 to 365)"
        }
      },
      {
        "merchant": "FRAGWORKS.GG AUSTIN TX",
        "mcc": "5816 Digital goods: games",
        "location": "Austin, TX (e-commerce)",
        "our_portfolio_90_days": {
          "cards_with_purchases": 3870,
          "fraud_claims": 9,
          "fraud_claim_rate_pct": 0.23
        },
        "merchant_order_details": "Merchant not enrolled in an order-details service; nothing available at intake",
        "subscription": "FRAGWORKS.GG PREMIUM $14.99 a month since 2026-06-20 (started from device T2 at the member's home IP); renewals on 7/20 and 8/20 not disputed"
      }
    ],
    "disputed_transactions": [
      {
        "authorized": "2026-09-12T02:18:44Z",
        "posted": "2026-09-14",
        "auth_id": "F3J11P",
        "merchant": "SOLVARA ATHLETIC PORTLAND OR",
        "mcc": "5661 Shoe stores",
        "amount_usd": 214.97,
        "channel": "E-commerce, stored card in the merchant account (POS entry 10, credential on file)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "three_d_secure": {
          "flow": "Frictionless",
          "device": "T2",
          "ip": "203.0.113.141"
        },
        "avs_result": "Y (street and ZIP match)",
        "cvv2_result": "not sent (stored credential)",
        "issuer_fraud_score": 141,
        "rules_fired": []
      },
      {
        "authorized": "2026-09-19T03:05:10Z",
        "posted": "2026-09-21",
        "auth_id": "F9W02C",
        "merchant": "FRAGWORKS.GG AUSTIN TX",
        "mcc": "5816 Digital goods: games",
        "amount_usd": 49.99,
        "channel": "E-commerce, stored card in the merchant account (POS entry 10, credential on file)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "three_d_secure": {
          "flow": "Frictionless",
          "device": "T2",
          "ip": "198.51.100.203"
        },
        "avs_result": "not checked (digital goods)",
        "cvv2_result": "not sent (stored credential)",
        "issuer_fraud_score": 122,
        "rules_fired": []
      },
      {
        "authorized": "2026-09-20T08:04:24Z",
        "posted": "2026-09-21",
        "auth_id": "F9X48K",
        "merchant": "FRAGWORKS.GG PREMIUM AUSTIN TX",
        "mcc": "5816 Digital goods: games",
        "amount_usd": 14.99,
        "channel": "Recurring, merchant-initiated (stored credential; subscription started 2026-06-20 with 3-D Secure from device T2)",
        "eci": "07 (merchant-initiated, no 3-D Secure)",
        "avs_result": "not checked",
        "cvv2_result": "not sent",
        "issuer_fraud_score": 35,
        "rules_fired": []
      },
      {
        "authorized": "2026-09-24T01:41:27Z",
        "posted": "2026-09-25",
        "auth_id": "G1B73R",
        "merchant": "SOLVARA ATHLETIC PORTLAND OR",
        "mcc": "5661 Shoe stores",
        "amount_usd": 168.4,
        "channel": "E-commerce, stored card in the merchant account (POS entry 10, credential on file)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "three_d_secure": {
          "flow": "Frictionless",
          "device": "T2",
          "ip": "198.51.100.203"
        },
        "avs_result": "Y (street and ZIP match)",
        "cvv2_result": "not sent (stored credential)",
        "issuer_fraud_score": 158,
        "rules_fired": []
      },
      {
        "authorized": "2026-09-30T00:52:09Z",
        "posted": "2026-10-01",
        "auth_id": "G4M90D",
        "merchant": "SOLVARA ATHLETIC PORTLAND OR",
        "mcc": "5661 Shoe stores",
        "amount_usd": 289,
        "channel": "E-commerce, stored card in the merchant account (POS entry 10, credential on file)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "three_d_secure": {
          "flow": "Frictionless",
          "device": "T2",
          "ip": "203.0.113.141"
        },
        "avs_result": "Y (street and ZIP match)",
        "cvv2_result": "not sent (stored credential)",
        "issuer_fraud_score": 203,
        "rules_fired": []
      }
    ],
    "claim": {
      "filed": "2026-10-03T13:40:00Z",
      "channel": "Phone",
      "reason_selected": "Unauthorized transaction, card in possession",
      "transactions": 5,
      "amount_usd": 737.35,
      "card_reported_lost_or_stolen": false,
      "cardholder_statement": "My ex-boyfriend, Tyler, moved out on September 7th. When we lived together he'd use my card for food or little things if I said it was OK, and he must have saved it on his phone. I never said he could use it after he left. I saw one charge from the shoe website in September and figured it was something he'd ordered before he moved out. When I looked last night there were a bunch more, so I locked the card.",
      "intake_questions": [
        {
          "question": "Is the card in your possession?",
          "answer": "Yes."
        },
        {
          "question": "When did you last use the card yourself?",
          "answer": "Kroger on Thursday."
        },
        {
          "question": "Has anyone else used the card or card number, or had access to your phone or online banking?",
          "answer": "When we lived together he'd use it for food or little things, when I said OK. I never told him he could keep it on his own accounts. Nobody's had my phone. I changed my banking password after he left."
        },
        {
          "question": "Have you shared your card number, PIN, a password or a verification code, or had calls, texts or emails asking for them?",
          "answer": "I never gave him the number to keep, he must have saved it. Nobody's asked me for codes. When I called on the 8th I told you he had all my stuff saved on his phone, and I thought that took care of it."
        },
        {
          "question": "Do you recognize the merchant? Have you contacted the merchant?",
          "answer": "The shoe site and the game site are his. I haven't contacted them."
        },
        {
          "question": "Did you receive any goods or services from these transactions?",
          "answer": "A box with his name on it came on the 28th. I figured he forgot to change his address, so I left it on the porch and it was gone the next day."
        },
        {
          "question": "Did you receive any verification codes or alerts you didn't expect?",
          "answer": "Maybe one night I got a code text. I didn't pay attention to it."
        },
        {
          "question": "Will you sign a written statement of unauthorized use? Have you filed a police report?",
          "answer": "I'll sign it. I don't really want to get him in trouble, but I'll file a police report if I have to."
        }
      ],
      "documents": {
        "written_statement": "Sent by e-sign 2026-10-03T13:58Z, not yet returned",
        "police_report": "None yet; member says she will file one if needed",
        "merchant_evidence": "Order details retrieved for SOLVARA ATHLETIC; none available for FRAGWORKS.GG",
        "call_recording_2026_09_08": "Requested 2026-10-03, not yet reviewed"
      },
      "agent_notes": "Member upset but cooperative. Says she and Tyler don't speak and he hasn't contacted her about the charges. When I read her the June to August charges at the same two merchants, she said she didn't remember them but 'he lived there then', and she didn't want to add them to the claim. Did not know about the FRAGWORKS.GG subscription. Says she told us on the 9/8 call that he had her card saved; the 9/8 note doesn't mention the card. Card closed and reissued. Merchant order details pulled for SOLVARA ATHLETIC."
    }
  },
  "questions": {
    "claim_type": {
      "type": "choice",
      "instructions": "Which explanation best fits the transaction or transactions the cardholder is disputing?",
      "criteria": {
        "first_party": "First-party (friendly) fraud: the cardholder made or agreed to the transaction and is knowingly claiming they didn't",
        "account_takeover": "Account takeover: someone else got into the cardholder's online banking, phone, email or mobile wallet and used the card through that access",
        "stolen_card": "Third-party fraud with a lost, stolen or counterfeit card or stolen card details, without access to the cardholder's other accounts",
        "authorized_or_merchant": "Not fraud: the transaction was authorized, and the cardholder doesn't recognize it or has a problem with the merchant (an unfamiliar billing name, a purchase by someone they let use the card, a subscription, goods not received)"
      }
    },
    "authorized_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the cardholder made the disputed transaction or transactions, or let someone else make them with their card?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "records_contradict_claim": {
      "type": "noul",
      "instructions": "Do the institution's own records contradict what the cardholder says in the claim?"
    },
    "resolution": {
      "type": "choice",
      "instructions": "How should the institution resolve this unauthorized-transaction claim at intake?",
      "criteria": {
        "approve": "Approve the claim now: credit the amount permanently and close it as unauthorized",
        "provisional_credit": "Give provisional credit and investigate further before deciding",
        "deny": "Deny the claim and send the cardholder a written explanation with the evidence that the transaction was authorized"
      }
    }
  }
}