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This correspondence is regarding the dispute you filed with us on 07/01/2024.

We have completed our investigation into your claim that the above-referenced account was opened fraudulently.

Based on our investigation, it appears that the account was opened legitimately. Therefore, we have closed the case. You are responsible for repayment, and the account will be reported to the credit reporting agencies. To obtain more information regarding the exact information that lead to our conclusion, please contact us.

Adjustments based on this conclusion will be made to your account. These will be reflected on your statement and included in the calculation of your minimum monthly payment.

Deny Justifications

This correspondence is regarding the dispute you filed with us on 07/01/2024.

We have completed our investigation into your claim that the above-referenced account was opened fraudulently.

Based on our investigation, it appears that the account was opened legitimately. Therefore, we have closed the case. You are responsible for repayment, and the account will be reported to the credit reporting agencies. To obtain more information regarding the exact information that lead to our conclusion, please contact us.

Adjustments based on this conclusion will be made to your account. These will be reflected on your statement and included in the calculation of your minimum monthly payment.

We have come to this conclusion because:

• We have found conflicting information with your claim from our review of your card information and recent banking activity.

• We have determined the disputed transactions were authorized.

• Our investigation of your claim included a review of images from cameras at our ATM or branch locations, as applicable, as
  well as current images from your disputed transactions. The images showed that you or another authorized individual
  conducted the transactions. As a result, we have concluded that the transactions in question were authorized.