{
  "model": "grayson-1",
  "state": {
    "case": {
      "case_id": "DSP-2026-104801",
      "queue": "Debit card disputes, intake",
      "claim_received": "2026-10-06T11:31:00Z",
      "regulation": "Regulation E (consumer debit card, point-of-sale)",
      "provisional_credit_due_by": "2026-10-20",
      "final_determination_due_by": "2027-01-04"
    },
    "member": {
      "member_id": "mem_04417",
      "name": "Linda M. Sorensen",
      "age": 64,
      "member_since": "2003-04-11",
      "address_on_file": "742 Wexford Ln, Cincinnati, OH 45230 (since 2003-04-11)",
      "phone_on_file": "(513) 555-0163, mobile, unchanged since 2016-05-02",
      "email_on_file": "lindasorensen@example.com, unchanged since 2012-09-18",
      "owners_and_users": "Sole owner; daughter Karen S. Whitfield is payable-on-death beneficiary on savings x0427, with no access",
      "income": "Social Security on the second Wednesday and a pension annuity on the 1st",
      "products": [
        "Checking x0419 (opened 2003-04-11)",
        "Savings x0427 (balance $41,206.18)",
        "12-month CD x0435",
        "Visa debit card x2045"
      ]
    },
    "card": {
      "card": "Visa debit x2045",
      "issued": "2024-06-04 (reissued at expiry)",
      "expires": "2028-06",
      "pin_last_changed": "2019-02-11",
      "mobile_wallet": "None",
      "alerts_and_controls": "SMS fraud alerts to (513) 555-0163 (default for all cards); no purchase or balance alerts; card never locked",
      "travel_notices": "None (none filed for the August trip)",
      "debit_card_overdraft_opt_in": false,
      "status_at_claim": "Put on hold 2026-10-06T07:38Z by the fraud system pending the member's reply; closed 11:44Z during the claim call; replacement x6618 mailed"
    },
    "network_alerts": [
      {
        "received": "2026-09-10",
        "source": "Visa compromised account alert (CAMS)",
        "event": "E-commerce data compromise at a merchant not named to issuers",
        "data_elements": "Card number, expiration date, CVV2, billing ZIP code",
        "our_action": "Card added to heightened monitoring for 90 days; scheduled for reissue in the 2026-10-15 batch",
        "fraud_on_card_since": "None before 2026-10-06"
      }
    ],
    "deposit_account": {
      "account": "Checking x0419",
      "overdraft_coverage": "Not opted in for ATM and one-time debit card overdraft",
      "available_balance_at_claim": 15953.98,
      "average_daily_balance_90_days": 13963.64,
      "lowest_balance_180_days": 5428.65,
      "month_end_balances": {
        "2026-04": 5428.65,
        "2026-05": 8172.57,
        "2026-06": 8970.19,
        "2026-07": 11536.85,
        "2026-08": 12265.12,
        "2026-09": 14831.47
      },
      "overdraft_and_nsf_12_months": "None"
    },
    "card_transactions": {
      "period": "2026-06-09 to 2026-10-06, card x2045, all authorizations including declines; times UTC (member is in US Eastern time)",
      "columns": [
        "time_utc",
        "merchant",
        "mcc",
        "amount_usd",
        "entry",
        "verification",
        "result"
      ],
      "rows": [
        [
          "2026-06-09T13:17:31Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          53.94,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-10T17:35:38Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          29.28,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-11T14:44:31Z",
          "SALON ROUGE CINCINNATI OH",
          "7230",
          70,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-11T18:36:31Z",
          "SHELL OIL 57442190 CINCINNATI OH",
          "5542",
          43.47,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-06-12T12:06:41Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          7.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-12T16:58:28Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          19.31,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-12T17:06:52Z",
          "HOBBY LOBBY #812 CINCINNATI OH",
          "5945",
          46.9,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-14T11:05:21Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-14T17:31:55Z",
          "HOBBY LOBBY #812 CINCINNATI OH",
          "5945",
          40.84,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-06-21T11:05:52Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-22T08:29:34Z",
          "VERIZON WRLS*AUTOPAY ALPHARETTA GA",
          "4814",
          72.4,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-24T17:41:41Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          70.36,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-26T19:11:37Z",
          "WALGREENS #10942 CINCINNATI OH",
          "5912",
          12.55,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-27T09:38:08Z",
          "AMAZON PRIME*GB7BML6LZ AMZN.COM/BILL WA",
          "5968",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-28T11:05:25Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-06-29T13:47:55Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          36.76,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-29T20:19:24Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          49.05,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-06-30T18:25:10Z",
          "SHELL OIL 57442190 CINCINNATI OH",
          "5542",
          50.38,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-06-30T21:03:14Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          23.14,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-01T15:51:54Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          38.23,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-04T21:33:20Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          12.95,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-04T21:59:44Z",
          "SKYLINE CHILI #31 CINCINNATI OH",
          "5814",
          22.56,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-05T11:05:13Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-05T14:15:34Z",
          "Amazon.com*Q3XYXAG4X AMZN.COM/BILL WA",
          "5942",
          30.25,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-05T18:43:06Z",
          "AMAZON MKTPL*VK0QDA3GN AMZN.COM/BILL WA",
          "5999",
          26.45,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-06T21:25:00Z",
          "SKYLINE CHILI #31 CINCINNATI OH",
          "5814",
          18.24,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-07T15:12:27Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          24.78,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-08T14:32:51Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          141.01,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-08T14:53:24Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          38.04,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-09T14:47:45Z",
          "SALON ROUGE CINCINNATI OH",
          "7230",
          70,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-09T17:47:37Z",
          "FIRST WATCH 0412 CINCINNATI OH",
          "5812",
          54.33,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-09T18:58:03Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          126.96,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-12T11:05:47Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-12T13:08:53Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          7.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-13T15:43:10Z",
          "MARIEMONT GARDEN CENTER CINCINNATI OH",
          "5261",
          26.23,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-14T14:57:11Z",
          "MARIEMONT GARDEN CENTER CINCINNATI OH",
          "5261",
          110.4,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-15T18:42:15Z",
          "SPEEDWAY 07721 CINCINNATI OH",
          "5542",
          57.03,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-07-15T23:48:06Z",
          "Amazon.com*T6RB6HHJX AMZN.COM/BILL WA",
          "5942",
          7.26,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-19T11:05:55Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-21T15:42:41Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          46.49,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-22T10:52:09Z",
          "VERIZON WRLS*AUTOPAY ALPHARETTA GA",
          "4814",
          72.4,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-22T15:38:52Z",
          "MARIEMONT GARDEN CENTER CINCINNATI OH",
          "5261",
          92.06,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-25T15:58:27Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          57.99,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-25T21:03:32Z",
          "WALGREENS #10942 CINCINNATI OH",
          "5912",
          8.23,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-26T11:05:15Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-26T19:47:33Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          25.32,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-27T13:32:34Z",
          "AMAZON PRIME*77H0DLFZA AMZN.COM/BILL WA",
          "5968",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-07-27T14:24:58Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          41.43,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-07-29T18:56:50Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          56.14,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-07-31T15:53:14Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          95.84,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-01T19:44:47Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          18.71,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-01T22:58:21Z",
          "LAROSAS PIZZERIA #12 CINCINNATI OH",
          "5812",
          15.9,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-02T00:17:54Z",
          "Amazon.com*GG46KWFZK AMZN.COM/BILL WA",
          "5942",
          11.89,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-02T11:05:39Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-03T16:51:00Z",
          "FIRST WATCH 0412 CINCINNATI OH",
          "5812",
          17.7,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-03T21:12:35Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          16.48,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-04T00:14:52Z",
          "HEARTHWILLOW QUILTS SHERIDAN WY",
          "5949",
          89.95,
          "e-commerce",
          "CVV2 match, no 3DS",
          "approved"
        ],
        [
          "2026-08-05T17:02:50Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          28.24,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-05T19:54:45Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          26.8,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-06T14:27:23Z",
          "SALON ROUGE CINCINNATI OH",
          "7230",
          70,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-06T16:01:39Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          20.3,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-08T13:14:22Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          76.02,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-08T16:00:46Z",
          "FIRST WATCH 0412 CINCINNATI OH",
          "5812",
          13.01,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-09T11:05:52Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-10T15:14:13Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          35.78,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-12T07:47:07Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          7.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-13T16:02:39Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          12.62,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-13T18:21:04Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          92.22,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-14T12:12:44Z",
          "SHELL OIL 57441102 ASHLAND KY",
          "5542",
          44.18,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-14T16:41:09Z",
          "SHEETZ 0412 BECKLEY WV",
          "5542",
          39.77,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-14T17:02:51Z",
          "SHEETZ 0412 BECKLEY WV",
          "5499",
          11.46,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-14T21:25:30Z",
          "PILOT 00317 WYTHEVILLE VA",
          "5542",
          41.02,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-14T23:48:12Z",
          "CRACKER BARREL #412 STATESVILLE NC",
          "5812",
          38.64,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-15T19:30:02Z",
          "SEAGRASS INN & SUITES MYRTLE BEACH SC",
          "7011",
          150,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-15T23:14:40Z",
          "DOCKSIDE CRAB HOUSE MYRTLE BEACH SC",
          "5812",
          71.2,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-16T14:31:15Z",
          "FOOD LION #1407 MYRTLE BEACH SC",
          "5411",
          48.93,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-16T18:02:11Z",
          "COASTAL HOME DECOR MYRTLE BEACH SC",
          "5712",
          612,
          "chip",
          "PIN",
          "declined: fraud rule (out-of-area, high amount)"
        ],
        [
          "2026-08-16T18:05:47Z",
          "COASTAL HOME DECOR MYRTLE BEACH SC",
          "5712",
          612,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-16T23:30:26Z",
          "SEA BREEZE GRILL MYRTLE BEACH SC",
          "5812",
          54.8,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-17T15:12:38Z",
          "BROADWAY AT THE BEACH PARKING SC",
          "7523",
          12,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-17T17:44:19Z",
          "BEACH GIFTS & SOUVENIRS MYRTLE BCH SC",
          "5947",
          36.57,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-18T22:52:03Z",
          "DOCKSIDE CRAB HOUSE MYRTLE BEACH SC",
          "5812",
          88.15,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-19T14:20:44Z",
          "CVS/PHARMACY #07218 MYRTLE BEACH SC",
          "5912",
          17.39,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-19T20:07:55Z",
          "TANGER OUTLETS PARKING MYRTLE BCH SC",
          "7523",
          5,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-19T20:45:31Z",
          "COLUMBIA SPORTSWEAR 0214 MYRTLE BCH SC",
          "5651",
          64.98,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-20T23:10:12Z",
          "SEA BREEZE GRILL MYRTLE BEACH SC",
          "5812",
          61.4,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-21T13:02:36Z",
          "SEAGRASS INN & SUITES MYRTLE BEACH SC",
          "7011",
          1146.22,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-21T17:18:40Z",
          "PILOT 00317 WYTHEVILLE VA",
          "5542",
          43.67,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-21T21:02:09Z",
          "SHEETZ 0412 BECKLEY WV",
          "5542",
          37.15,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-22T10:40:02Z",
          "VERIZON WRLS*AUTOPAY ALPHARETTA GA",
          "4814",
          72.4,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-22T15:57:46Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          46.18,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-23T11:05:21Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-23T15:24:39Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          15.53,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-26T14:05:01Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          91.95,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-26T22:24:03Z",
          "LAROSAS PIZZERIA #12 CINCINNATI OH",
          "5812",
          36.76,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-08-27T08:01:12Z",
          "AMAZON PRIME*84VZ423G4 AMZN.COM/BILL WA",
          "5968",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-27T18:44:12Z",
          "SPEEDWAY 07721 CINCINNATI OH",
          "5542",
          33.82,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-08-29T00:14:55Z",
          "KOHLS.COM MENOMONEE FLS WI",
          "5311",
          63.07,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-08-30T11:05:34Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-08-30T21:28:53Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          9.27,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-08-31T20:28:25Z",
          "SHELL OIL 57442190 CINCINNATI OH",
          "5542",
          46.75,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-09-01T15:30:52Z",
          "MARIEMONT GARDEN CENTER CINCINNATI OH",
          "5261",
          38.89,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-02T15:53:33Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          66.06,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-03T14:32:43Z",
          "SALON ROUGE CINCINNATI OH",
          "7230",
          58,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-06T11:05:49Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-06T18:44:59Z",
          "SPEEDWAY 07721 CINCINNATI OH",
          "5542",
          39.41,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-09-07T17:56:04Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          92.03,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-07T21:06:41Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          51.91,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-09T15:08:48Z",
          "SKYLINE CHILI #31 CINCINNATI OH",
          "5814",
          15.74,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-09T18:18:22Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          22.77,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-10T14:50:44Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          58.43,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-12T10:00:03Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          7.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-13T11:05:45Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-14T19:18:38Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          5.3,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-20T11:05:56Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-21T14:54:34Z",
          "MARIEMONT GARDEN CENTER CINCINNATI OH",
          "5261",
          93.7,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-21T17:15:38Z",
          "LAROSAS PIZZERIA #12 CINCINNATI OH",
          "5812",
          35.63,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-22T07:19:16Z",
          "VERIZON WRLS*AUTOPAY ALPHARETTA GA",
          "4814",
          72.4,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-23T16:02:11Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          14.93,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-23T16:08:25Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          21.79,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-24T17:59:04Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          17.33,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-25T13:12:16Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          114.86,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-25T14:02:56Z",
          "AMAZON MKTPL*JR8L5Y86V AMZN.COM/BILL WA",
          "5999",
          31.08,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-25T15:28:11Z",
          "SPEEDWAY 07721 CINCINNATI OH",
          "5542",
          48.75,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-09-26T17:37:21Z",
          "VERIZON WRLS P1847-01 CINCINNATI OH",
          "4812",
          214.99,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-27T10:36:25Z",
          "AMAZON PRIME*2T94LXUMJ AMZN.COM/BILL WA",
          "5968",
          14.99,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-27T11:05:55Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-09-27T12:56:25Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          16.55,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-09-28T00:20:18Z",
          "KOHLS.COM MENOMONEE FLS WI",
          "5311",
          50.49,
          "e-commerce",
          "3DS frictionless",
          "approved"
        ],
        [
          "2026-09-29T14:41:34Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          61.6,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-09-30T14:45:53Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          41.96,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-10-01T14:45:32Z",
          "SALON ROUGE CINCINNATI OH",
          "7230",
          58,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-10-01T20:27:45Z",
          "SPEEDWAY 07721 CINCINNATI OH",
          "5542",
          33.81,
          "chip",
          "ZIP code",
          "approved"
        ],
        [
          "2026-10-02T14:01:04Z",
          "CVS/PHARMACY #06123 CINCINNATI OH",
          "5912",
          34.42,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-10-02T16:44:17Z",
          "PANERA BREAD #600123 CINCINNATI OH",
          "5814",
          55.48,
          "chip",
          "no CVM",
          "approved"
        ],
        [
          "2026-10-03T15:40:12Z",
          "MEIJER #187 CINCINNATI OH",
          "5411",
          86.73,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-10-03T23:48:51Z",
          "AMAZON MKTPL*NGXXPF5A1 AMZN.COM/BILL WA",
          "5999",
          48.82,
          "card on file",
          "stored credential",
          "approved"
        ],
        [
          "2026-10-04T11:05:36Z",
          "ST BRIGID PARISH GIVING CINCINNATI OH",
          "8661",
          25,
          "recurring",
          "stored credential",
          "approved"
        ],
        [
          "2026-10-04T19:38:06Z",
          "WALGREENS #10942 CINCINNATI OH",
          "5912",
          14.61,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-10-05T16:29:02Z",
          "FIRST WATCH 0412 CINCINNATI OH",
          "5812",
          26.06,
          "contactless",
          "no CVM",
          "approved"
        ],
        [
          "2026-10-05T21:42:18Z",
          "KROGER #0391 CINCINNATI OH",
          "5411",
          63.08,
          "chip",
          "PIN",
          "approved"
        ],
        [
          "2026-10-06T06:52:10Z",
          "LUMENFIELD RELIEF FUND",
          "8398",
          1,
          "e-commerce",
          "CVV2 no match, no 3DS",
          "declined: CVV2 mismatch"
        ],
        [
          "2026-10-06T06:53:41Z",
          "LUMENFIELD RELIEF FUND",
          "8398",
          1,
          "e-commerce",
          "CVV2 match, no 3DS",
          "approved"
        ],
        [
          "2026-10-06T07:31:12Z",
          "VANTRELL DIGITAL",
          "5732",
          786.43,
          "e-commerce",
          "CVV2 match, no 3DS",
          "approved"
        ],
        [
          "2026-10-06T07:38:55Z",
          "ORVENTA GIFTS",
          "5947",
          1129,
          "e-commerce",
          "CVV2 match, no 3DS",
          "declined: fraud rule (score 913)"
        ],
        [
          "2026-10-06T07:44:02Z",
          "QUILLAMOR AUDIO",
          "5732",
          498.2,
          "e-commerce",
          "CVV2 match, no 3DS",
          "declined: card on hold pending member reply"
        ]
      ]
    },
    "other_account_activity": {
      "period": "2026-04-09 to 2026-10-06, checking x0419, excluding card transactions",
      "columns": [
        "posted",
        "description",
        "type",
        "amount_usd"
      ],
      "rows": [
        [
          "2026-04-10",
          "STATE FARM RO 27 SFPP",
          "ACH debit",
          -162.4
        ],
        [
          "2026-04-15",
          "DUKE ENERGY OH WEB PMT",
          "ACH debit",
          -88.73
        ],
        [
          "2026-04-21",
          "CHECK 1438",
          "check",
          -120
        ],
        [
          "2026-05-01",
          "MIDWEST EDUCATORS ANNUITY PMT",
          "ACH credit",
          3108.44
        ],
        [
          "2026-05-01",
          "HEARTLAND MUTUAL MEDSUPP PREM",
          "ACH debit",
          -187.5
        ],
        [
          "2026-05-03",
          "TRANSFER TO SAVINGS x0427",
          "transfer",
          -500
        ],
        [
          "2026-05-04",
          "CHECK 1439",
          "check",
          -120
        ],
        [
          "2026-05-05",
          "ALTAFIBER AUTOPAY",
          "ACH debit",
          -64.99
        ],
        [
          "2026-05-08",
          "CITY OF CINCINNATI WATER WEB PMT",
          "ACH debit",
          -118.62
        ],
        [
          "2026-05-11",
          "STATE FARM RO 27 SFPP",
          "ACH debit",
          -162.4
        ],
        [
          "2026-05-13",
          "SSA TREAS 310 XXSOC SEC",
          "ACH credit",
          2214
        ],
        [
          "2026-05-15",
          "DUKE ENERGY OH WEB PMT",
          "ACH debit",
          -102.18
        ],
        [
          "2026-05-18",
          "CHECK 1440",
          "check",
          -120
        ],
        [
          "2026-06-01",
          "MIDWEST EDUCATORS ANNUITY PMT",
          "ACH credit",
          3108.44
        ],
        [
          "2026-06-01",
          "HEARTLAND MUTUAL MEDSUPP PREM",
          "ACH debit",
          -187.5
        ],
        [
          "2026-06-01",
          "CHECK 1441",
          "check",
          -120
        ],
        [
          "2026-06-03",
          "TRANSFER TO SAVINGS x0427",
          "transfer",
          -500
        ],
        [
          "2026-06-05",
          "ALTAFIBER AUTOPAY",
          "ACH debit",
          -64.99
        ],
        [
          "2026-06-10",
          "SSA TREAS 310 XXSOC SEC",
          "ACH credit",
          2214
        ],
        [
          "2026-06-10",
          "STATE FARM RO 27 SFPP",
          "ACH debit",
          -162.4
        ],
        [
          "2026-06-15",
          "DUKE ENERGY OH WEB PMT",
          "ACH debit",
          -168.2
        ],
        [
          "2026-06-15",
          "CHECK 1442",
          "check",
          -120
        ],
        [
          "2026-06-19",
          "ZELLE TO KAREN WHITFIELD",
          "Zelle out",
          -100
        ],
        [
          "2026-06-22",
          "COUNTY TREASURER RE TAX WEB PMT",
          "ACH debit",
          -2140.33
        ],
        [
          "2026-06-29",
          "CHECK 1443",
          "check",
          -120
        ],
        [
          "2026-07-01",
          "MIDWEST EDUCATORS ANNUITY PMT",
          "ACH credit",
          3108.44
        ],
        [
          "2026-07-01",
          "HEARTLAND MUTUAL MEDSUPP PREM",
          "ACH debit",
          -187.5
        ],
        [
          "2026-07-03",
          "TRANSFER TO SAVINGS x0427",
          "transfer",
          -500
        ],
        [
          "2026-07-06",
          "ALTAFIBER AUTOPAY",
          "ACH debit",
          -64.99
        ],
        [
          "2026-07-08",
          "SSA TREAS 310 XXSOC SEC",
          "ACH credit",
          2214
        ],
        [
          "2026-07-10",
          "STATE FARM RO 27 SFPP",
          "ACH debit",
          -162.4
        ],
        [
          "2026-07-13",
          "CHECK 1444",
          "check",
          -120
        ],
        [
          "2026-07-15",
          "DUKE ENERGY OH WEB PMT",
          "ACH debit",
          -177.29
        ],
        [
          "2026-07-27",
          "CHECK 1445",
          "check",
          -120
        ],
        [
          "2026-08-03",
          "MIDWEST EDUCATORS ANNUITY PMT",
          "ACH credit",
          3108.44
        ],
        [
          "2026-08-03",
          "HEARTLAND MUTUAL MEDSUPP PREM",
          "ACH debit",
          -187.5
        ],
        [
          "2026-08-03",
          "TRANSFER TO SAVINGS x0427",
          "transfer",
          -500
        ],
        [
          "2026-08-05",
          "ALTAFIBER AUTOPAY",
          "ACH debit",
          -64.99
        ],
        [
          "2026-08-07",
          "CITY OF CINCINNATI WATER WEB PMT",
          "ACH debit",
          -131.08
        ],
        [
          "2026-08-10",
          "STATE FARM RO 27 SFPP",
          "ACH debit",
          -162.4
        ],
        [
          "2026-08-11",
          "CHECK 1446",
          "check",
          -120
        ],
        [
          "2026-08-12",
          "SSA TREAS 310 XXSOC SEC",
          "ACH credit",
          2214
        ],
        [
          "2026-08-12",
          "ZELLE FROM JANET MORROW",
          "Zelle in",
          573.11
        ],
        [
          "2026-08-17",
          "DUKE ENERGY OH WEB PMT",
          "ACH debit",
          -172.45
        ],
        [
          "2026-08-24",
          "CHECK 1447",
          "check",
          -120
        ],
        [
          "2026-08-24",
          "CD x0435 RENEWED 12 MO 3.85% (NO CASH MOVEMENT)",
          "memo",
          0
        ],
        [
          "2026-09-01",
          "MIDWEST EDUCATORS ANNUITY PMT",
          "ACH credit",
          3108.44
        ],
        [
          "2026-09-01",
          "HEARTLAND MUTUAL MEDSUPP PREM",
          "ACH debit",
          -187.5
        ],
        [
          "2026-09-03",
          "TRANSFER TO SAVINGS x0427",
          "transfer",
          -500
        ],
        [
          "2026-09-07",
          "ALTAFIBER AUTOPAY",
          "ACH debit",
          -64.99
        ],
        [
          "2026-09-08",
          "CHECK 1448",
          "check",
          -120
        ],
        [
          "2026-09-09",
          "SSA TREAS 310 XXSOC SEC",
          "ACH credit",
          2214
        ],
        [
          "2026-09-10",
          "STATE FARM RO 27 SFPP",
          "ACH debit",
          -162.4
        ],
        [
          "2026-09-15",
          "DUKE ENERGY OH WEB PMT",
          "ACH debit",
          -133.62
        ],
        [
          "2026-09-17",
          "ZELLE TO KAREN WHITFIELD",
          "Zelle out",
          -60
        ],
        [
          "2026-09-22",
          "CHECK 1449",
          "check",
          -120
        ],
        [
          "2026-10-01",
          "MIDWEST EDUCATORS ANNUITY PMT",
          "ACH credit",
          3108.44
        ],
        [
          "2026-10-01",
          "HEARTLAND MUTUAL MEDSUPP PREM",
          "ACH debit",
          -187.5
        ],
        [
          "2026-10-03",
          "TRANSFER TO SAVINGS x0427",
          "transfer",
          -500
        ],
        [
          "2026-10-05",
          "ALTAFIBER AUTOPAY",
          "ACH debit",
          -64.99
        ]
      ]
    },
    "three_d_secure_log": {
      "period": "2026-04-09 to 2026-10-06, every 3-D Secure authentication on card x2045 (our access control server)",
      "devices": {
        "T1": "iPad, Safari, iPadOS 18; same device fingerprint as online banking device B1"
      },
      "columns": [
        "time_utc",
        "merchant",
        "amount_usd",
        "flow",
        "result",
        "device",
        "ip"
      ],
      "rows": [
        [
          "2026-08-29T00:14:55Z",
          "KOHLS.COM MENOMONEE FLS WI",
          63.07,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.140"
        ],
        [
          "2026-09-28T00:20:18Z",
          "KOHLS.COM MENOMONEE FLS WI",
          50.49,
          "frictionless",
          "authenticated",
          "T1",
          "198.51.100.140"
        ]
      ],
      "note": "None of the 10/6 transactions used 3-D Secure; the merchants did not request it."
    },
    "card_alerts_sent": [
      {
        "sent": "2026-08-16T18:02:14Z",
        "type": "SMS fraud alert",
        "text": "Did you attempt $612.00 at COASTAL HOME DECOR MYRTLE BEACH SC? Reply YES or NO.",
        "reply": "YES at 2026-08-16T18:03:40Z; card cleared, purchase retried and approved at 18:05:47Z"
      },
      {
        "sent": "2026-10-06T07:31:14Z",
        "type": "SMS fraud alert",
        "text": "Did you attempt $786.43 at VANTRELL DIGITAL? Reply YES or NO.",
        "reply": "NO at 2026-10-06T11:06:40Z"
      },
      {
        "sent": "2026-10-06T07:39:30Z",
        "type": "SMS fraud alert",
        "text": "Did you attempt $1,129.00 at ORVENTA GIFTS? Reply YES or NO. Your card is on hold until you reply.",
        "reply": "NO at 2026-10-06T11:06:58Z"
      }
    ],
    "digital_banking": {
      "devices": {
        "B1": "iPad (9th gen), mobile app, first seen 2021-03-14, last seen 2026-10-01",
        "B2": "iPhone 12, mobile app, first seen 2022-11-26, last seen 2026-09-26",
        "B3": "iPhone 16, mobile app, first seen 2026-09-26 (enrolled with a one-time code to the phone on file, from the home IP)"
      },
      "ip_addresses": {
        "198.51.100.140": "Residential fiber ISP, Cincinnati, OH; 171 of the member's 186 sessions in the last 12 months",
        "203.0.113.0/24": "Mobile carrier, Ohio and South Carolina",
        "192.0.2.88": "Hotel network, Myrtle Beach, SC (2026-08-15 to 2026-08-20)"
      },
      "profile_changes_12_months": [
        {
          "date": "2026-07-09",
          "change": "Password reset after a lockout (one-time code to the phone on file); see the 7/9 call",
          "device": "B1",
          "ip": "198.51.100.140"
        },
        {
          "date": "2026-09-26",
          "change": "New device B3 enrolled",
          "device": "B3",
          "ip": "198.51.100.140"
        }
      ],
      "sessions_90_days": {
        "columns": [
          "time_utc",
          "device",
          "ip",
          "activity"
        ],
        "rows": [
          [
            "2026-07-09T14:48:02Z",
            "B1",
            "198.51.100.140",
            "password reset: one-time code to (513) 555-0163, then login"
          ],
          [
            "2026-07-09T18:22:34Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-07-10T00:04:39Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; bill pay"
          ],
          [
            "2026-07-11T13:22:04Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account summary"
          ],
          [
            "2026-07-13T23:33:49Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account activity"
          ],
          [
            "2026-07-14T13:39:23Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-07-15T00:52:34Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account activity"
          ],
          [
            "2026-07-15T00:54:39Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account summary"
          ],
          [
            "2026-07-20T23:43:28Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; transfer between own accounts"
          ],
          [
            "2026-07-23T13:48:24Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account activity"
          ],
          [
            "2026-07-27T23:57:07Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; transfer between own accounts"
          ],
          [
            "2026-08-01T12:26:53Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-04T18:09:49Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-09T18:14:02Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; transfer between own accounts"
          ],
          [
            "2026-08-11T00:09:56Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-11T14:01:48Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-16T01:12:40Z",
            "B2",
            "192.0.2.88",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-16T18:06:31Z",
            "B2",
            "203.0.113.90",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-08-19T12:40:15Z",
            "B2",
            "192.0.2.88",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-08-24T23:22:59Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account summary"
          ],
          [
            "2026-08-25T00:03:01Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; bill pay"
          ],
          [
            "2026-09-01T23:42:22Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-02T13:45:16Z",
            "B2",
            "203.0.113.90",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-03T23:58:10Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account activity"
          ],
          [
            "2026-09-04T00:54:49Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account activity"
          ],
          [
            "2026-09-07T13:10:08Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account summary"
          ],
          [
            "2026-09-07T14:23:30Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-08T13:17:35Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account activity"
          ],
          [
            "2026-09-13T13:17:39Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-09-24T00:33:09Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account summary"
          ],
          [
            "2026-09-24T00:53:16Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account summary"
          ],
          [
            "2026-09-26T16:02:44Z",
            "B2",
            "198.51.100.140",
            "mobile app, Face ID; account summary (last session on this device)"
          ],
          [
            "2026-09-26T20:41:09Z",
            "B3",
            "198.51.100.140",
            "new device enrolled: one-time code to (513) 555-0163 entered; login"
          ],
          [
            "2026-09-29T13:15:33Z",
            "B3",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-10-01T23:30:12Z",
            "B1",
            "198.51.100.140",
            "mobile app, passcode; account summary"
          ],
          [
            "2026-10-03T12:55:47Z",
            "B3",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-10-06T11:08:20Z",
            "B3",
            "198.51.100.140",
            "mobile app, Face ID; account activity"
          ],
          [
            "2026-10-06T11:10:02Z",
            "B3",
            "198.51.100.140",
            "mobile app, Face ID; transaction detail: VANTRELL DIGITAL $786.43 (pending)"
          ]
        ]
      }
    },
    "contact_history_12_months": [
      {
        "time": "2026-07-09T14:31:00Z",
        "channel": "Phone",
        "summary": "Locked out of online banking after too many password attempts. Agent verified her and walked her through a reset on her iPad."
      },
      {
        "time": "2026-08-24T15:20:00Z",
        "channel": "Phone",
        "summary": "Asked about renewal rates for her CD; renewed x0435 for 12 months at 3.85%."
      },
      {
        "time": "2026-09-26T20:33:00Z",
        "channel": "Phone",
        "summary": "Daughter on the line with the member's permission; asked how to move the banking app to a new iPhone. Agent explained device enrollment; member received and read back the one-time code herself."
      }
    ],
    "prior_disputes": [
      {
        "filed": "2024-03-19",
        "merchant": "Online garden supplier",
        "amount_usd": 64.5,
        "reason": "Merchandise not received",
        "outcome": "Withdrawn 2024-04-02 after the merchant refunded the member"
      }
    ],
    "disputed_merchants": [
      {
        "merchant": "LUMENFIELD RELIEF FUND",
        "mcc": "8398 Charitable organizations",
        "location": "e-commerce, acquirer in US",
        "our_portfolio": "First seen 2026-10-01. $1.00 authorizations on 63 of our cards in 5 days, 59 of them cards that had never used this merchant; 21 declined for CVV2 mismatch. On our card-testing watchlist since 2026-10-03.",
        "member_history": "None before 2026-10-06"
      },
      {
        "merchant": "VANTRELL DIGITAL",
        "mcc": "5732 Electronics stores",
        "location": "Wilmington, DE (e-commerce)",
        "our_portfolio": "First seen 2026-09-29. 9 of our cards, 5 of them already in fraud claims, all after a $1.00 authorization at LUMENFIELD RELIEF FUND.",
        "member_history": "None before 2026-10-06",
        "merchant_order_details": {
          "source": "Visa Order Insight, merchant response retrieved during the claim call at 2026-10-06T11:39:02Z",
          "customer_account": {
            "name": "Linda Sorensen",
            "created": "2026-10-06T07:24:51Z",
            "email": "lindasorensen.1961@example.org (not our email on file)",
            "phone": "(305) 555-0129 (not our phone on file)",
            "orders": 1
          },
          "orders": [
            {
              "order": "VD-0091442",
              "date": "2026-10-06",
              "amount_usd": 786.43,
              "items": "Wireless earbuds (2), smartwatch (1); overnight shipping",
              "bill_to": "Member's address on file",
              "ship_to": "Package-forwarding address in Doral, FL (a commercial reshipping service; suite number assigned to a reshipping customer)",
              "delivery": "Not shipped; merchant placed the order on hold after our inquiry"
            }
          ],
          "device_and_ip": "Windows 10 desktop, Chrome; browser time zone UTC+03:00; IP 203.0.113.58 (hosting provider data center, Frankfurt, DE)",
          "compelling_evidence_3_0": "Does not qualify: no earlier orders from this card"
        }
      },
      {
        "merchant": "ORVENTA GIFTS and QUILLAMOR AUDIO",
        "note": "Declined attempts, not disputed. Neither merchant had seen this card before."
      }
    ],
    "common_point_of_purchase": "Fraud analytics run 2026-10-02: 14 of our cards bought at HEARTHWILLOW QUILTS (first seen in our portfolio 2026-07-06) and 6 of them have since had card-not-present fraud. This card bought there on 2026-08-03 ($89.95).",
    "disputed_transactions": [
      {
        "authorized": "2026-10-06T06:53:41Z",
        "posted": "pending",
        "auth_id": "Q7D20B",
        "merchant": "LUMENFIELD RELIEF FUND",
        "mcc": "8398 Charitable organizations",
        "amount_usd": 1,
        "channel": "E-commerce, card number keyed (POS entry 01, condition 59)",
        "eci": "07 (no 3-D Secure)",
        "avs_result": "Z (ZIP matches, street does not)",
        "cvv2_result": "M (match); the attempt 91 seconds earlier failed CVV2",
        "issuer_fraud_score": 288,
        "rules_fired": [
          "Merchant on card-testing watchlist (score raised, below decline threshold)"
        ]
      },
      {
        "authorized": "2026-10-06T07:31:12Z",
        "posted": "pending",
        "auth_id": "Q7F64H",
        "merchant": "VANTRELL DIGITAL",
        "mcc": "5732 Electronics stores",
        "merchant_location": "Wilmington, DE, US (e-commerce)",
        "amount_usd": 786.43,
        "channel": "E-commerce, card number keyed (POS entry 01, condition 59)",
        "eci": "07 (no 3-D Secure)",
        "avs_result": "Z (ZIP matches, street does not)",
        "cvv2_result": "M (match)",
        "issuer_fraud_score": 640,
        "rules_fired": [
          "Card-not-present purchase within 2 hours of a $1 authorization at a watchlisted merchant: approve and send SMS alert"
        ]
      }
    ],
    "claim": {
      "filed": "2026-10-06T11:31:00Z",
      "channel": "Phone",
      "reason_selected": "Unauthorized transaction, card in possession",
      "transactions": 2,
      "amount_usd": 787.43,
      "card_reported_lost_or_stolen": false,
      "cardholder_statement": "I got a text in the middle of the night asking if I tried to spend over a thousand dollars at a gift shop. I was asleep and only saw it when I got up, so I answered NO. Then I looked in the app and there's another one for almost eight hundred dollars at a place I've never heard of, and a dollar to some charity. My card is right here in my wallet. I haven't given my card number to anybody.",
      "intake_questions": [
        {
          "question": "Is the card in your possession?",
          "answer": "Yes, it's in my wallet."
        },
        {
          "question": "When did you last use the card yourself?",
          "answer": "Kroger, yesterday around 5:30 in the evening."
        },
        {
          "question": "Has anyone else used the card or card number, or had access to your phone or online banking?",
          "answer": "No. I got a new iPhone at the Verizon store on the 26th and my daughter helped me put the bank app on it, but she doesn't have my card or my password."
        },
        {
          "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 calls or texts like that. I haven't given my card number to anyone."
        },
        {
          "question": "Do you recognize the merchant? Have you contacted the merchant?",
          "answer": "No, I don't know any of them. I haven't contacted them."
        },
        {
          "question": "Did you receive any goods or services from these transactions?",
          "answer": "No."
        },
        {
          "question": "Did you receive any verification codes or alerts you didn't expect?",
          "answer": "Only the fraud texts this morning."
        },
        {
          "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 called the police."
        }
      ],
      "documents": {
        "written_statement": "E-signed during the call, 2026-10-06T11:52Z",
        "police_report": "None",
        "merchant_evidence": "Order details retrieved for VANTRELL DIGITAL; none available for LUMENFIELD RELIEF FUND"
      },
      "agent_notes": "Member calm and specific. Confirmed her last purchases (Kroger 10/5, Verizon store 9/26). When asked about recent online shopping she named Amazon, Kohl's and a quilt website she found on Facebook in August. Card closed and reissued; member told about the common-point-of-purchase alert only in general terms."
    }
  },
  "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"
      }
    }
  }
}