{
  "model": "grayson-1",
  "state": {
    "case": {
      "case_id": "DSP-2026-104772",
      "queue": "Debit card disputes, intake",
      "claim_received": "2026-10-05T15:22:00Z",
      "regulation": "Regulation E (consumer debit card, point-of-sale)",
      "provisional_credit_due_by": "2026-10-19",
      "final_determination_due_by": "2027-01-03"
    },
    "member": {
      "member_id": "mem_31862",
      "name": "Devon R. Halloway",
      "age": 31,
      "member_since": "2019-08-14",
      "address_on_file": "3318 Brookhaven Dr, Apt 2B, Columbus, OH 43229 (since 2022-04-30)",
      "phone_on_file": "(614) 555-0187, mobile, unchanged since 2021-06-11",
      "email_on_file": "d.halloway@example.net, unchanged since 2020-02-03",
      "owners_and_users": "Sole owner of all accounts; no joint owners or authorized users",
      "income": "Payroll direct deposit every other Friday from MIDLAND CROSSDOCK PAYROLL",
      "products": [
        "Checking x5520 (opened 2019-08-14)",
        "Savings x5538 (balance $18.40)",
        "Visa debit card x7193",
        "Auto loan x9104 (opened 2024-06-03, $389.42 a month, current)"
      ]
    },
    "card": {
      "card": "Visa debit x7193",
      "issued": "2025-03-18 (reissued at expiry; previous card x6630)",
      "expires": "2029-03",
      "pin_last_changed": "2025-03-22",
      "mobile_wallet": "Apple Pay token provisioned 2025-03-20 to the member's iPhone (device B1), verified in the banking app",
      "alerts_and_controls": "Push alert for purchases over $100 (on since 2024-02-10); low-balance alert under $50 (on since 2026-07-01); card never locked",
      "travel_notices": "None",
      "debit_card_overdraft_opt_in": false,
      "status_at_claim": "Closed 2026-10-05T15:34Z during the claim call at the member's request; replacement x2286 ordered"
    },
    "network_alerts": [
      {
        "received": "2026-05-03",
        "source": "Visa compromised account alert (CAMS)",
        "event": "Data compromise at a restaurant point-of-sale service provider, not named to issuers",
        "data_elements": "Card number, expiration date, cardholder name. No CVV2, no PIN.",
        "our_action": "Monitored, not reissued (our policy reissues on confirmed fraud or when CVV2 or PIN is exposed)",
        "fraud_on_card_since": "None confirmed"
      }
    ],
    "deposit_account": {
      "account": "Checking x5520",
      "overdraft_coverage": "Not opted in for ATM and one-time debit card overdraft; checks, ACH and recurring card payments can overdraw ($29 fee, at most 3 a day)",
      "available_balance_at_claim": -106.74,
      "average_daily_balance_90_days": 926.95,
      "lowest_balance_180_days": -324.9,
      "month_end_balances": {
        "2026-04": 1240.64,
        "2026-05": 1031.29,
        "2026-06": 1242.53,
        "2026-07": 2447,
        "2026-08": 1032.85,
        "2026-09": 1039.25
      },
      "overdraft_and_nsf_12_months": "12 overdraft fees from 2026-04-08 to 2026-10-05 (in other_account_activity), one refunded as a courtesy; before that, 2025-11-24 and 2026-01-02"
    },
    "card_transactions": {
      "period": "2026-06-08 to 2026-10-05, card x7193, all authorizations including declines; times UTC (member is in US Eastern time)",
      "columns": [
        "time_utc",
        "merchant",
        "mcc",
        "amount_usd",
        "entry",
        "verification",
        "result"
      ],
      "rows": [
        [
          "2026-06-09T01:07:31Z",
          "AMAZON MKTPL*URPH682G8 AMZN.COM/BILL WA",
          "5999",
          18.24,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-09T01:42:44Z",
          "WM SUPERCENTER #2311 COLUMBUS OH",
          "5411",
          28.1,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-09T13:30:13Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          15.49,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-09T17:24:56Z",
          "Amazon.com*RPSRMX0DZ AMZN.COM/BILL WA",
          "5942",
          33,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-12T15:47:15Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          11.31,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-13T00:21:55Z",
          "BUCKEYE PIZZA & SUBS COLUMBUS OH",
          "5812",
          54.53,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-14T10:29:50Z",
          "MICROSOFT*XBOX MSBILL.INFO WA",
          "5816",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-15T02:44:07Z",
          "SHORT NORTH TAPHOUSE COLUMBUS OH",
          "5813",
          32.03,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-15T03:12:00Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          19.79,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-15T10:54:47Z",
          "SHELL OIL 57444281 COLUMBUS OH",
          "5542",
          35.69,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-06-15T23:55:26Z",
          "WM SUPERCENTER #2311 COLUMBUS OH",
          "5411",
          27.21,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-16T02:16:48Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          25.27,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-16T17:32:52Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          9.08,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-17T10:29:44Z",
          "WHITE CASTLE #0040 COLUMBUS OH",
          "5814",
          9.94,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-17T10:41:19Z",
          "PLANET FITNESS ANNUAL FEE",
          "7997",
          49.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-17T10:49:53Z",
          "PLANET FITNESS CLUB FEES",
          "7997",
          10,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-18T08:51:01Z",
          "T-MOBILE*AUTOPAY BELLEVUE WA",
          "4814",
          95,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-19T16:12:19Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          14.59,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-20T17:02:23Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          24.03,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-21T10:05:18Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          11.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-21T11:27:25Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          13.68,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-22T17:21:25Z",
          "Amazon.com*YBRU6RC2Y AMZN.COM/BILL WA",
          "5942",
          38.14,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-22T19:13:09Z",
          "WENDYS #1290 COLUMBUS OH",
          "5814",
          18.24,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-22T20:29:57Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          30.89,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-22T23:32:57Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          19.01,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-23T02:49:02Z",
          "UBER *EATS HELP.UBER.COM CA",
          "5812",
          27.21,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-23T15:16:20Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          10.68,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-23T16:49:53Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          14.04,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-24T01:22:20Z",
          "AMAZON MKTPL*KHBVXFNF2 AMZN.COM/BILL WA",
          "5999",
          37.46,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-25T02:35:31Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          25.53,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-27T01:45:33Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          23.34,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-28T01:01:56Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          12.51,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-06-28T17:07:05Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          12.95,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-02T10:54:21Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          18.44,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-02T17:22:11Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          11.28,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-03T01:36:23Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          16.62,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-03T07:57:04Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          2.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-04T00:22:42Z",
          "AMAZON MKTPL*EC5W29DL9 AMZN.COM/BILL WA",
          "5999",
          52.93,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-04T22:20:18Z",
          "SHELL OIL 57444281 COLUMBUS OH",
          "5542",
          31.29,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-07-04T23:42:17Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          33.58,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-05T00:13:06Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          38,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-06T01:10:03Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          6.94,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-06T03:02:54Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          9.37,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-07T16:41:35Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          16.9,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-09T08:55:07Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          15.49,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-10T21:20:41Z",
          "SHELL OIL 57444281 COLUMBUS OH",
          "5542",
          36.07,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-07-12T00:12:43Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          36.84,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-12T00:23:34Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          23.58,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-12T01:53:42Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          8.89,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-12T02:05:38Z",
          "STRIDEHAUS.COM PORTLAND OR",
          "5661",
          164.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-07-13T00:38:55Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          43.48,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-14T02:22:13Z",
          "NIKE.COM BEAVERTON OR",
          "5661",
          69.37,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-07-14T07:06:28Z",
          "MICROSOFT*XBOX MSBILL.INFO WA",
          "5816",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-16T02:19:46Z",
          "AMAZON MKTPL*5LCVYW2NK AMZN.COM/BILL WA",
          "5999",
          28.47,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-16T23:20:48Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          22.37,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-17T03:28:38Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          11.05,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-17T07:41:53Z",
          "PLANET FITNESS CLUB FEES",
          "7997",
          10,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-18T01:20:04Z",
          "SHORT NORTH TAPHOUSE COLUMBUS OH",
          "5813",
          33.24,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-18T09:51:12Z",
          "T-MOBILE*AUTOPAY BELLEVUE WA",
          "4814",
          95,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-19T19:31:27Z",
          "WM SUPERCENTER #2311 COLUMBUS OH",
          "5411",
          26.34,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-19T23:27:13Z",
          "BUCKEYE PIZZA & SUBS COLUMBUS OH",
          "5812",
          37.07,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-20T00:12:12Z",
          "SHORT NORTH TAPHOUSE COLUMBUS OH",
          "5813",
          42.56,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-20T15:49:42Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          24.54,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-21T07:16:15Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          11.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-22T00:55:51Z",
          "UBER *EATS HELP.UBER.COM CA",
          "5812",
          18.81,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-22T00:57:26Z",
          "DOLLAR GENERAL #19932 COLUMBUS OH",
          "5331",
          9.37,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-22T16:00:34Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          7.22,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-22T23:55:47Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          27.89,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-23T00:33:06Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5816",
          4.99,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-23T17:01:26Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          15.53,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-23T18:59:37Z",
          "DOLLAR GENERAL #19932 COLUMBUS OH",
          "5331",
          12.44,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-23T21:33:21Z",
          "SHELL OIL 57444281 COLUMBUS OH",
          "5542",
          33.97,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-26T02:04:32Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          8.66,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-07-26T02:07:20Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          27.62,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-26T02:09:27Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          25.57,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-26T02:10:41Z",
          "ROOSTERS #12 COLUMBUS OH",
          "5812",
          23.36,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-02T02:37:54Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          9.95,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-03T09:38:52Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          2.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-04T21:25:01Z",
          "ALDI 79012 COLUMBUS OH",
          "5411",
          22.81,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-06T01:15:03Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          12.82,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-06T01:36:48Z",
          "AMAZON MKTPL*REBNA81QD AMZN.COM/BILL WA",
          "5999",
          49.13,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-06T15:19:10Z",
          "TARGET 00018671 COLUMBUS OH",
          "5310",
          14.26,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-07T21:19:51Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          19.66,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-08T00:47:12Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5816",
          29.99,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-08T01:03:42Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          6.45,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-09T01:04:32Z",
          "UBER *EATS HELP.UBER.COM CA",
          "5812",
          23.21,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-09T01:39:30Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          19.43,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-09T10:42:20Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          15.49,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-09T11:29:54Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          20.24,
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          "ZIP code",
          "approved"
        ],
        [
          "2026-08-10T23:47:18Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          12.29,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-12T11:03:06Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          16.09,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-12T17:03:38Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          7.56,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-13T16:03:08Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          15.01,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-13T16:36:41Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          10,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-13T17:58:44Z",
          "AMAZON MKTPL*SHXE9ZXPU AMZN.COM/BILL WA",
          "5999",
          40.59,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-14T00:35:14Z",
          "UBER *EATS HELP.UBER.COM CA",
          "5812",
          34.73,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-14T01:12:18Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          50.27,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-14T02:06:38Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          19.32,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-14T13:07:14Z",
          "MICROSOFT*XBOX MSBILL.INFO WA",
          "5816",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-15T00:46:18Z",
          "ROOSTERS #12 COLUMBUS OH",
          "5812",
          31.95,
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          "approved"
        ],
        [
          "2026-08-15T02:37:38Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
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          "stored credential",
          "approved"
        ],
        [
          "2026-08-15T05:59:23Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          16,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-15T13:54:51Z",
          "AMAZON MKTPL*Y0MHSBFPC AMZN.COM/BILL WA",
          "5999",
          6.24,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-15T19:22:21Z",
          "WM SUPERCENTER #2311 COLUMBUS OH",
          "5411",
          45.62,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-15T23:31:44Z",
          "BUCKEYE PIZZA & SUBS COLUMBUS OH",
          "5812",
          39.31,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-16T02:22:10Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          11.63,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-17T10:32:55Z",
          "PLANET FITNESS CLUB FEES",
          "7997",
          10,
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          "stored credential",
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        ],
        [
          "2026-08-18T09:39:34Z",
          "T-MOBILE*AUTOPAY BELLEVUE WA",
          "4814",
          95,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-18T11:58:46Z",
          "BP#9437265 MORSE RD COLUMBUS OH",
          "5542",
          39.61,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-18T16:49:59Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          17.39,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-18T17:49:38Z",
          "WENDYS #1290 COLUMBUS OH",
          "5814",
          10.01,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-18T22:59:56Z",
          "OUR ATM #014 MORSE RD COLUMBUS OH",
          "6011",
          120,
          "ATM",
          "PIN",
          "approved"
        ],
        [
          "2026-08-18T23:12:59Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          31.49,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-19T21:07:46Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          50.22,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-20T10:53:02Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          11.55,
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          "no CVM",
          "approved"
        ],
        [
          "2026-08-21T00:31:00Z",
          "Amazon.com*QWXU4R3FL AMZN.COM/BILL WA",
          "5942",
          70.67,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-21T09:09:32Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          11.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-21T10:51:24Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          46.11,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-24T00:29:19Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          61.57,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-25T14:15:40Z",
          "OUR ATM #014 MORSE RD COLUMBUS OH",
          "6011",
          120,
          "ATM",
          "PIN",
          "approved"
        ],
        [
          "2026-08-25T16:27:38Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          7.61,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-26T00:06:57Z",
          "DOLLAR GENERAL #19932 COLUMBUS OH",
          "5331",
          25.78,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-26T02:36:08Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          7.77,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-26T10:58:26Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          37.59,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-28T19:23:17Z",
          "WHITE CASTLE #0040 COLUMBUS OH",
          "5814",
          10.75,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-29T01:14:22Z",
          "KELDRATECH.COM ONTARIO CA",
          "5732",
          649.99,
          "e-commerce",
          "3DS challenge passed",
          "approved"
        ],
        [
          "2026-08-29T01:19:05Z",
          "KELDRATECH.COM ONTARIO CA",
          "5732",
          189.98,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-08-29T23:33:34Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          20.98,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-30T01:13:04Z",
          "WM SUPERCENTER #2311 COLUMBUS OH",
          "5411",
          70.23,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-30T17:23:45Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          17.47,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-08-30T20:12:40Z",
          "OUR ATM #014 MORSE RD COLUMBUS OH",
          "6011",
          120,
          "ATM",
          "PIN",
          "approved"
        ],
        [
          "2026-08-30T21:42:08Z",
          "TARGET 00018671 COLUMBUS OH",
          "5310",
          10.04,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-31T02:38:09Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          34.25,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-31T03:00:14Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5816",
          14.99,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-31T03:46:55Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          10.87,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-31T17:53:44Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          11.55,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-01T19:01:00Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          8.23,
          "contactless",
          "no CVM",
          "declined: insufficient funds"
        ],
        [
          "2026-09-02T00:42:51Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          41.66,
          "Apple Pay",
          "Face ID",
          "declined: insufficient funds"
        ],
        [
          "2026-09-02T00:55:31Z",
          "DOORDASH*CHIPOTLE SAN FRANCISCO CA",
          "5812",
          31.25,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-02T01:26:50Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          10.36,
          "Apple Pay",
          "Face ID",
          "declined: insufficient funds"
        ],
        [
          "2026-09-02T17:39:43Z",
          "SHELL OIL 57444281 COLUMBUS OH",
          "5542",
          60,
          "chip",
          "ZIP code",
          "declined: insufficient funds"
        ],
        [
          "2026-09-03T08:35:43Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          2.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-04T17:09:34Z",
          "SHELL OIL 57444281 COLUMBUS OH",
          "5542",
          29.85,
          "chip",
          "ZIP code",
          "declined: insufficient funds"
        ],
        [
          "2026-09-05T02:48:28Z",
          "Amazon.com*68YZKLJMS AMZN.COM/BILL WA",
          "5942",
          28.31,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-06T00:39:26Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          35.07,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-06T01:18:17Z",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          "5812",
          29.82,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-06T16:28:04Z",
          "ALDI 79012 COLUMBUS OH",
          "5411",
          160,
          "Apple Pay",
          "Face ID",
          "declined: insufficient funds"
        ],
        [
          "2026-09-06T19:02:32Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          15.32,
          "chip",
          "no CVM",
          "declined: insufficient funds"
        ],
        [
          "2026-09-08T14:15:11Z",
          "OUR ATM #014 MORSE RD COLUMBUS OH",
          "6011",
          100,
          "ATM",
          "PIN",
          "declined: insufficient funds"
        ],
        [
          "2026-09-09T09:33:12Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          15.49,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-10T02:52:04Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          12.61,
          "Apple Pay",
          "Face ID",
          "declined: insufficient funds"
        ],
        [
          "2026-09-10T03:42:02Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5816",
          4.99,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-11T00:09:39Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5816",
          69.99,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-11T00:46:01Z",
          "AMAZON MKTPL*YPCRPX0XL AMZN.COM/BILL WA",
          "5999",
          6,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-09-11T17:57:07Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          9.32,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-12T23:48:51Z",
          "KELDRATECH.COM ONTARIO CA",
          "5732",
          79.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-13T02:53:11Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          17.27,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-14T07:01:27Z",
          "MICROSOFT*XBOX MSBILL.INFO WA",
          "5816",
          19.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-14T18:02:37Z",
          "KELDRATECH.COM ONTARIO CA",
          "5732",
          34.99,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-15T02:54:58Z",
          "WHITE CASTLE #0040 COLUMBUS OH",
          "5814",
          20.24,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-16T01:49:45Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          14.29,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-16T22:55:15Z",
          "TARGET 00018671 COLUMBUS OH",
          "5310",
          13.55,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-17T13:46:56Z",
          "PLANET FITNESS CLUB FEES",
          "7997",
          10,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-17T15:17:31Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          8.98,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-17T17:09:24Z",
          "TACO BELL #031552 COLUMBUS OH",
          "5814",
          11.76,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-18T01:03:38Z",
          "NIKE.COM BEAVERTON OR",
          "5661",
          102.33,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-18T08:17:18Z",
          "T-MOBILE*AUTOPAY BELLEVUE WA",
          "4814",
          95,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-19T02:39:15Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          17.55,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-20T00:56:10Z",
          "SHORT NORTH TAPHOUSE COLUMBUS OH",
          "5813",
          48.77,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-20T03:43:00Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5816",
          1.99,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-20T03:54:59Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          8.02,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-21T01:08:22Z",
          "WENDYS #1290 COLUMBUS OH",
          "5814",
          17.89,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-21T01:56:13Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          11.87,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-21T03:07:03Z",
          "WENDYS #1290 COLUMBUS OH",
          "5814",
          12.89,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-21T07:36:01Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          11.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-21T17:05:25Z",
          "RAISING CANES #0412 COLUMBUS OH",
          "5814",
          16.83,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-22T10:10:47Z",
          "SPEEDWAY 09114 COLUMBUS OH",
          "5542",
          37.15,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-09-23T01:02:48Z",
          "ROOSTERS #12 COLUMBUS OH",
          "5812",
          39.56,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-26T02:55:51Z",
          "UBER *EATS HELP.UBER.COM CA",
          "5812",
          29.91,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-27T02:52:51Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          12.99,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-27T18:27:44Z",
          "DOLLAR GENERAL #19932 COLUMBUS OH",
          "5331",
          8.02,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-27T23:46:06Z",
          "CVS/PHARMACY #04811 COLUMBUS OH",
          "5912",
          9.54,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-28T11:54:22Z",
          "MCDONALD'S F31927 COLUMBUS OH",
          "5814",
          14.44,
          "Apple Pay",
          "Face ID",
          "approved"
        ],
        [
          "2026-09-29T03:08:49Z",
          "CHIPOTLE 1876 COLUMBUS OH",
          "5814",
          10.44,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-29T17:37:07Z",
          "AMAZON MKTPL*MFHHHXPQP AMZN.COM/BILL WA",
          "5999",
          9,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-29T23:23:47Z",
          "CVS/PHARMACY #04811 COLUMBUS OH",
          "5912",
          13.3,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-30T14:26:49Z",
          "OUR ATM #014 MORSE RD COLUMBUS OH",
          "6011",
          200,
          "ATM",
          "PIN",
          "approved"
        ],
        [
          "2026-10-01T15:00:33Z",
          "FIVE BELOW 4417 COLUMBUS OH",
          "5331",
          10.45,
          "Apple Pay",
          "Face ID",
          "declined: insufficient funds"
        ],
        [
          "2026-10-02T02:26:03Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          28.19,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-10-02T06:56:24Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          11,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-10-03T00:05:24Z",
          "AMAZON MKTPL*KCQKXUBJ3 AMZN.COM/BILL WA",
          "5999",
          23.39,
          "card on file",
          "stored credential",
          "declined: insufficient funds"
        ],
        [
          "2026-10-03T13:18:32Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          2.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-10-03T16:28:06Z",
          "CIRCLE K 05417 COLUMBUS OH",
          "5499",
          13.61,
          "Apple Pay",
          "Face ID",
          "declined: insufficient funds"
        ]
      ]
    },
    "other_account_activity": {
      "period": "2026-04-08 to 2026-10-05, checking x5520, excluding card transactions",
      "columns": [
        "posted",
        "description",
        "type",
        "amount_usd"
      ],
      "rows": [
        [
          "2026-04-10",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1382.47
        ],
        [
          "2026-04-18",
          "ZELLE FROM ANDRE HOLLIS",
          "Zelle in",
          60
        ],
        [
          "2026-04-20",
          "TRANSFER TO LOAN x9104 (AUTO)",
          "transfer",
          -389.42
        ],
        [
          "2026-04-24",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1381.21
        ],
        [
          "2026-04-24",
          "AEP OHIO UTIL PMT WEB",
          "ACH debit",
          -61.62
        ],
        [
          "2026-05-01",
          "WILLOWBEND APTS WEB PMT",
          "ACH debit",
          -1085
        ],
        [
          "2026-05-03",
          "ZELLE TO JORDAN MILLS",
          "Zelle out",
          -45
        ],
        [
          "2026-05-07",
          "PROGRESSIVE INS PREM PPD",
          "ACH debit",
          -138.27
        ],
        [
          "2026-05-07",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-05-08",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1375.1
        ],
        [
          "2026-05-20",
          "TRANSFER TO LOAN x9104 (AUTO)",
          "transfer",
          -389.42
        ],
        [
          "2026-05-20",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-05-21",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-05-22",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1661.93
        ],
        [
          "2026-05-25",
          "AEP OHIO UTIL PMT WEB",
          "ACH debit",
          -62.79
        ],
        [
          "2026-05-30",
          "ZELLE FROM ANDRE HOLLIS",
          "Zelle in",
          85
        ],
        [
          "2026-06-01",
          "WILLOWBEND APTS WEB PMT",
          "ACH debit",
          -1085
        ],
        [
          "2026-06-01",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-06-02",
          "OVERDRAFT FEE REFUND - COURTESY",
          "fee refund",
          29
        ],
        [
          "2026-06-03",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-06-05",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1423.01
        ],
        [
          "2026-06-08",
          "PROGRESSIVE INS PREM PPD",
          "ACH debit",
          -138.27
        ],
        [
          "2026-06-12",
          "TRANSFER FROM SAVINGS x5538",
          "transfer",
          150
        ],
        [
          "2026-06-19",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1404.52
        ],
        [
          "2026-06-20",
          "TRANSFER TO LOAN x9104 (AUTO)",
          "transfer",
          -389.42
        ],
        [
          "2026-06-24",
          "AEP OHIO UTIL PMT WEB",
          "ACH debit",
          -109.78
        ],
        [
          "2026-06-26",
          "TRANSFER FROM SAVINGS x5538",
          "transfer",
          120
        ],
        [
          "2026-07-01",
          "WILLOWBEND APTS WEB PMT",
          "ACH debit",
          -1085
        ],
        [
          "2026-07-03",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1403.2
        ],
        [
          "2026-07-07",
          "PROGRESSIVE INS PREM PPD",
          "ACH debit",
          -138.27
        ],
        [
          "2026-07-17",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1386.03
        ],
        [
          "2026-07-19",
          "ZELLE TO JORDAN MILLS",
          "Zelle out",
          -30
        ],
        [
          "2026-07-20",
          "TRANSFER TO LOAN x9104 (AUTO)",
          "transfer",
          -389.42
        ],
        [
          "2026-07-24",
          "AEP OHIO UTIL PMT WEB",
          "ACH debit",
          -132.73
        ],
        [
          "2026-07-31",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1405.76
        ],
        [
          "2026-08-03",
          "WILLOWBEND APTS WEB PMT",
          "ACH debit",
          -1085
        ],
        [
          "2026-08-07",
          "PROGRESSIVE INS PREM PPD",
          "ACH debit",
          -138.27
        ],
        [
          "2026-08-09",
          "ZELLE FROM TREVOR K",
          "Zelle in",
          40
        ],
        [
          "2026-08-14",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1393.37
        ],
        [
          "2026-08-20",
          "TRANSFER TO LOAN x9104 (AUTO)",
          "transfer",
          -389.42
        ],
        [
          "2026-08-21",
          "TRANSFER FROM SAVINGS x5538",
          "transfer",
          75
        ],
        [
          "2026-08-24",
          "AEP OHIO UTIL PMT WEB",
          "ACH debit",
          -98.94
        ],
        [
          "2026-08-28",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1371.98
        ],
        [
          "2026-09-01",
          "WILLOWBEND APTS WEB PMT",
          "ACH debit",
          -1085
        ],
        [
          "2026-09-01",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-09-03",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-09-07",
          "PROGRESSIVE INS PREM PPD",
          "ACH debit",
          -138.27
        ],
        [
          "2026-09-07",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-09-09",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-09-11",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1389.04
        ],
        [
          "2026-09-18",
          "TRANSFER FROM SAVINGS x5538",
          "transfer",
          41.17
        ],
        [
          "2026-09-20",
          "TRANSFER TO LOAN x9104 (AUTO)",
          "transfer",
          -389.42
        ],
        [
          "2026-09-24",
          "AEP OHIO UTIL PMT WEB",
          "ACH debit",
          -107.79
        ],
        [
          "2026-09-24",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-09-25",
          "MIDLAND CROSSDOCK PAYROLL PPD",
          "ACH credit",
          1380.01
        ],
        [
          "2026-09-26",
          "ZELLE FROM ANDRE HOLLIS",
          "Zelle in",
          50
        ],
        [
          "2026-10-01",
          "WILLOWBEND APTS WEB PMT",
          "ACH debit",
          -1085
        ],
        [
          "2026-10-01",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ],
        [
          "2026-10-03",
          "OVERDRAFT FEE - ITEM PAID",
          "fee",
          -29
        ]
      ]
    },
    "three_d_secure_log": {
      "period": "2026-04-08 to 2026-10-05, every 3-D Secure authentication on card x7193 (our access control server)",
      "devices": {
        "T1": "iPhone, Mobile Safari, iOS 18; same device fingerprint as online banking device B1 since 2023-10"
      },
      "columns": [
        "time_utc",
        "merchant",
        "amount_usd",
        "flow",
        "result",
        "device",
        "ip"
      ],
      "rows": [
        [
          "2026-04-25T01:47:03Z",
          "STRIDEHAUS.COM PORTLAND OR",
          118,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.77"
        ],
        [
          "2026-07-12T02:05:38Z",
          "STRIDEHAUS.COM PORTLAND OR",
          164.99,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.77"
        ],
        [
          "2026-07-14T02:22:13Z",
          "NIKE.COM BEAVERTON OR",
          69.37,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.77"
        ],
        [
          "2026-08-29T01:14:22Z",
          "KELDRATECH.COM ONTARIO CA",
          649.99,
          "challenge: SMS code to (614) 555-0187",
          "authenticated",
          "T1",
          "198.51.100.77"
        ],
        [
          "2026-08-29T01:19:05Z",
          "KELDRATECH.COM ONTARIO CA",
          189.98,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.77"
        ],
        [
          "2026-09-12T23:48:51Z",
          "KELDRATECH.COM ONTARIO CA",
          79.99,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.77"
        ],
        [
          "2026-09-14T18:02:37Z",
          "KELDRATECH.COM ONTARIO CA",
          34.99,
          "frictionless",
          "authenticated",
          "T1",
          "203.0.113.45"
        ],
        [
          "2026-09-18T01:03:38Z",
          "NIKE.COM BEAVERTON OR",
          102.33,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.77"
        ]
      ]
    },
    "digital_banking": {
      "devices": {
        "B1": "iPhone 14, mobile app, first seen 2023-10-02, last seen 2026-10-05",
        "B2": "Windows 10 PC, Chrome, first seen 2021-01-15, last seen 2026-06-03"
      },
      "ip_addresses": {
        "198.51.100.77": "Residential cable ISP, Columbus, OH; 231 of the member's 388 sessions in the last 12 months",
        "203.0.113.0/24": "Mobile carrier, Ohio; the member's phone away from home"
      },
      "profile_changes_12_months": [
        {
          "date": "2026-07-01",
          "change": "Turned on low-balance alert (under $50)",
          "device": "B1",
          "ip": "198.51.100.77"
        }
      ],
      "sessions_90_days": {
        "columns": [
          "time_utc",
          "device",
          "ip",
          "activity"
        ],
        "rows": [
          [
            "2026-07-09T00:05:45Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-09T22:10:45Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-10T00:52:05Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-10T11:00:37Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-12T16:28:40Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; Zelle"
          ],
          [
            "2026-07-13T02:14:55Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-14T00:50:08Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-14T22:19:57Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; Zelle"
          ],
          [
            "2026-07-15T22:24:40Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-18T01:19:21Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-18T02:38:41Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-22T01:32:22Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-26T19:53:00Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-27T00:03:34Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-27T01:38:07Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; Zelle"
          ],
          [
            "2026-07-28T11:15:06Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-29T00:51:19Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-29T01:50:20Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-29T02:45:41Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; Zelle"
          ],
          [
            "2026-07-29T16:50:19Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-02T03:07:30Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-08-02T16:03:12Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-08-02T22:06:06Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-08-05T00:41:03Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; card controls"
          ],
          [
            "2026-08-06T00:38:44Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-07T02:24:32Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-10T03:32:16Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-18T03:24:50Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-08-19T19:31:22Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-08-22T16:24:43Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-08-24T22:04:37Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-24T22:05:39Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-26T22:55:33Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-29T01:01:16Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; statements"
          ],
          [
            "2026-08-29T01:06:12Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-29T01:31:40Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-30T14:12:05Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; transaction detail: KELDRATECH.COM $649.99 (pending)"
          ],
          [
            "2026-09-01T01:03:17Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-01T12:03:51Z",
            "B1",
            "203.0.113.12",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-01T16:06:18Z",
            "B1",
            "203.0.113.45",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-02T17:18:27Z",
            "B1",
            "203.0.113.201",
            "mobile app, Face ID; chat with member services"
          ],
          [
            "2026-09-10T16:02:41Z",
            "B1",
            "203.0.113.12",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-09-11T19:12:24Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-12T22:41:37Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-09-12T23:55:02Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-13T01:49:43Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-14T16:29:35Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-15T00:34:45Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-17T00:02:43Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-22T02:35:29Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-24T01:14:28Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-25T02:51:17Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-30T16:46:58Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-10-02T01:51:13Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; statements"
          ],
          [
            "2026-10-05T02:40:16Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; statements: September statement opened"
          ],
          [
            "2026-10-05T15:08:33Z",
            "B1",
            "198.51.100.77",
            "mobile app, Face ID; account activity"
          ]
        ]
      }
    },
    "contact_history_12_months": [
      {
        "time": "2025-11-24T17:40:00Z",
        "channel": "Phone",
        "summary": "Asked why a rent payment overdrew the account. Explained how ACH items are paid into overdraft and offered the low-balance alert; member declined the alert then."
      },
      {
        "time": "2026-06-02T16:05:00Z",
        "channel": "Phone",
        "summary": "Asked for a refund of the 6/1 overdraft fee from the rent payment. Refunded $29 as a courtesy (one per 12 months)."
      },
      {
        "time": "2026-07-01T00:12:00Z",
        "channel": "Secure message",
        "summary": "Asked how to set up a low-balance alert. Sent instructions; member turned it on the same evening."
      },
      {
        "time": "2026-09-02T17:18:00Z",
        "channel": "In-app chat",
        "summary": "Member asked why the account was negative after payday. Agent listed the debits since the 8/28 deposit, including KELDRATECH.COM $649.99 and $189.98 on 8/29 and WILLOWBEND APTS $1,085.00 on 9/1.",
        "transcript_excerpt": [
          "Member: why is my account negative i just got paid friday",
          "Agent: Since your deposit on 8/28 these have posted: KELDRATECH.COM $649.99 and $189.98 on 8/29, WILLOWBEND APTS $1,085.00 on 9/1, plus a $120 ATM withdrawal and a few smaller purchases. The rent payment overdrew the account and a $29 overdraft fee was charged.",
          "Member: ok yea. can u take the fee off",
          "Agent: I'm sorry, a courtesy refund was already given on 6/2, so I'm not able to refund this one.",
          "Member: ok"
        ]
      },
      {
        "time": "2026-10-01T15:11:33Z",
        "channel": "Phone",
        "summary": "Card declined at a store minutes earlier. Explained it was for insufficient funds. Member asked about a small-dollar loan; sent the application link."
      }
    ],
    "prior_disputes": [
      {
        "filed": "2024-11-18",
        "merchant": "LOOTFORGE MARKET (online game items)",
        "amount_usd": 310,
        "reason": "Unauthorized, card in possession",
        "outcome": "Credited; merchant did not respond to the chargeback"
      },
      {
        "filed": "2025-06-09",
        "merchant": "STRIDEHAUS.COM (online sneakers)",
        "amount_usd": 540,
        "reason": "Unauthorized, card in possession (2 orders)",
        "outcome": "Provisional credit reversed 2025-07-22: the merchant's representment showed the same device and IP address as two earlier undisputed orders (Visa Compelling Evidence 3.0) and delivery to the address on file. Member notified in writing; did not respond.",
        "since_then": "Three more purchases at STRIDEHAUS.COM (2025-09-14, 2026-04-24, 2026-07-11), none disputed"
      },
      {
        "filed": "2026-02-16",
        "merchant": "Online phone-accessory retailer",
        "amount_usd": 88.4,
        "reason": "Merchandise not received",
        "outcome": "Closed 2026-02-27; merchant refunded the member"
      }
    ],
    "disputed_merchant": {
      "merchant": "KELDRATECH.COM ONTARIO CA",
      "acquirer_name": "Keldra Technology Supply LLC",
      "mcc": "5732 Electronics stores",
      "location": "Ontario, CA, US (e-commerce)",
      "our_portfolio_90_days": {
        "cards_with_purchases": 2318,
        "fraud_claims": 4,
        "fraud_claim_rate_pct": 0.17,
        "card_testing_watchlist": false
      },
      "member_history_before_window": [
        {
          "time_utc": "2025-12-20T02:33:10Z",
          "amount_usd": 59.99,
          "three_d_secure": "frictionless, device T1, IP 198.51.100.77",
          "disputed": false
        },
        {
          "time_utc": "2026-03-02T23:58:41Z",
          "amount_usd": 129.99,
          "three_d_secure": "frictionless, device T1, IP 198.51.100.77",
          "disputed": false
        }
      ],
      "merchant_order_details": {
        "source": "Visa Order Insight, merchant response retrieved during the claim call at 2026-10-05T15:31:48Z",
        "customer_account": {
          "name": "Devon Halloway",
          "created": "2025-12-19",
          "email": "d.halloway@example.net (matches our email on file)",
          "phone": "(614) 555-0187 (matches our phone on file)",
          "orders": 6
        },
        "orders": [
          {
            "order": "KT-4471902",
            "date": "2025-12-19",
            "amount_usd": 59.99,
            "items": "Wireless controller",
            "ship_to": "Address on file",
            "delivery": "Delivered 2025-12-23"
          },
          {
            "order": "KT-5120388",
            "date": "2026-03-02",
            "amount_usd": 129.99,
            "items": "Gaming headset; 2-year protection plan",
            "ship_to": "Address on file",
            "delivery": "Delivered 2026-03-05"
          },
          {
            "order": "KT-6650117",
            "date": "2026-08-28",
            "amount_usd": 649.99,
            "items": "Game console, 1 TB, with two games",
            "ship_to": "Address on file",
            "delivery": "UPS Ground, delivered 2026-09-01 14:02 local, left at front door, delivery photo on file"
          },
          {
            "order": "KT-6650241",
            "date": "2026-08-28",
            "amount_usd": 189.98,
            "items": "Wireless controller (2)",
            "ship_to": "Address on file",
            "delivery": "UPS Ground, delivered 2026-09-01 14:02 local, same shipment as KT-6650117"
          },
          {
            "order": "KT-6803315",
            "date": "2026-09-12",
            "amount_usd": 79.99,
            "items": "Controller charging dock; digital game code emailed to the account email",
            "ship_to": "Address on file",
            "delivery": "USPS, delivered 2026-09-15, in or at mailbox; game code redeemed 2026-09-12 20:02 local"
          },
          {
            "order": "KT-6911820",
            "date": "2026-09-14",
            "amount_usd": 34.99,
            "items": "Digital game add-on, emailed to the account email",
            "ship_to": "None (digital)",
            "delivery": "Code redeemed 2026-09-14 14:05 local"
          }
        ],
        "device_and_ip": "The same device ID on all six orders; IP 198.51.100.77 on all but KT-6911820 (mobile carrier IP)",
        "compelling_evidence_3_0": "Qualifies: two undisputed orders 120 to 365 days before the dispute (2025-12-19 and 2026-03-02) share the device ID, IP address and shipping address with the disputed orders",
        "returns_or_refund_requests": "None"
      }
    },
    "disputed_transactions": [
      {
        "authorized": "2026-08-29T01:14:22Z",
        "posted": "2026-08-31",
        "auth_id": "K4Q81Z",
        "merchant": "KELDRATECH.COM ONTARIO CA",
        "mcc": "5732 Electronics stores",
        "amount_usd": 649.99,
        "channel": "E-commerce, card number keyed at checkout (POS entry 01, condition 59)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "cavv_result": "2 (CAVV passed)",
        "three_d_secure": {
          "flow": "Challenge",
          "method": "One-time code by SMS to (614) 555-0187",
          "code_sent": "2026-08-29T01:13:40Z",
          "code_entered": "2026-08-29T01:14:09Z, correct on first attempt",
          "device": "T1",
          "ip": "198.51.100.77"
        },
        "avs_result": "Y (street and ZIP match)",
        "cvv2_result": "M (match)",
        "issuer_fraud_score": 212,
        "rules_fired": [],
        "alert_sent": "Push notification (purchase over $100) delivered to device B1 at 01:14:24Z"
      },
      {
        "authorized": "2026-08-29T01:19:05Z",
        "posted": "2026-08-31",
        "auth_id": "K4R07M",
        "merchant": "KELDRATECH.COM ONTARIO CA",
        "mcc": "5732 Electronics stores",
        "amount_usd": 189.98,
        "channel": "E-commerce, card number keyed at checkout (POS entry 01, condition 59)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "cavv_result": "2 (CAVV passed)",
        "three_d_secure": {
          "flow": "Frictionless (risk-based, same device and session as the order 5 minutes earlier)",
          "device": "T1",
          "ip": "198.51.100.77"
        },
        "avs_result": "Y (street and ZIP match)",
        "cvv2_result": "M (match)",
        "issuer_fraud_score": 164,
        "rules_fired": [],
        "alert_sent": "Push notification (purchase over $100) delivered to device B1 at 01:19:07Z"
      },
      {
        "authorized": "2026-09-12T23:48:51Z",
        "posted": "2026-09-14",
        "auth_id": "M2C55T",
        "merchant": "KELDRATECH.COM ONTARIO CA",
        "mcc": "5732 Electronics stores",
        "amount_usd": 79.99,
        "channel": "E-commerce, stored card in the merchant account (POS entry 10, credential on file)",
        "eci": "05 (3-D Secure, fully authenticated)",
        "cavv_result": "2 (CAVV passed)",
        "three_d_secure": {
          "flow": "Frictionless",
          "device": "T1",
          "ip": "198.51.100.77"
        },
        "avs_result": "Y (street and ZIP match)",
        "cvv2_result": "not sent (stored credential)",
        "issuer_fraud_score": 88,
        "rules_fired": [],
        "alert_sent": "None (under $100)"
      }
    ],
    "claim": {
      "filed": "2026-10-05T15:22:00Z",
      "channel": "Phone",
      "reason_selected": "Unauthorized transaction, card in possession",
      "transactions": 3,
      "amount_usd": 919.96,
      "card_reported_lost_or_stolen": false,
      "cardholder_statement": "I didn't make these. I've never heard of Keldra Tech and I never ordered anything from them. I only saw the charges when I went through my statement this weekend. My card's been in my wallet the whole time and nobody uses my phone but me. I need this money back, my car payment is coming out.",
      "intake_questions": [
        {
          "question": "Is the card in your possession?",
          "answer": "Yes, in my wallet."
        },
        {
          "question": "When did you last use the card yourself?",
          "answer": "Last week, I think. Gas or food."
        },
        {
          "question": "Has anyone else used the card or card number, or had access to your phone or online banking?",
          "answer": "No. I live alone and nobody else uses my card or my phone."
        },
        {
          "question": "Have you shared your card number, PIN, a password or a verification code, or had calls, texts or emails asking for them?",
          "answer": "No, never."
        },
        {
          "question": "Do you recognize the merchant? Have you contacted the merchant?",
          "answer": "No, I've never heard of them. I haven't contacted them."
        },
        {
          "question": "Did you receive any goods or services from these transactions?",
          "answer": "No, nothing came to my apartment."
        },
        {
          "question": "Did you receive any verification codes or alerts you didn't expect?",
          "answer": "I don't remember getting a code. I get a lot of texts."
        },
        {
          "question": "Will you sign a written statement of unauthorized use? Have you filed a police report?",
          "answer": "Yes, I'll sign it. I haven't filed a police report."
        }
      ],
      "documents": {
        "written_statement": "E-signed during the call, 2026-10-05T15:40Z",
        "police_report": "None",
        "merchant_evidence": "Order details retrieved during the call (see disputed_merchant)"
      },
      "agent_notes": "Member firm that he never shopped at KELDRATECH.COM. Asked about the 9/2 chat where these charges were listed: said he didn't really read it. Asked twice whether the credit could be given today. Card closed and reissued at his request. Merchant order details pulled during the call (see disputed_merchant)."
    }
  },
  "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"
      }
    }
  }
}