6232494

Dispute ID: 6232494. DND 2023-02-06 via PHONE. CH is disputing 1 Debit Unauthorized Transaction from Apple for $59.35. The disputed transaction is Moto 2 Entry Mode 10 Card Not Present. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per Penny, card in possession at the time of transaction. Pin is secured. Disputed card ending 2231 is closed. CASE DECISION: DENY VROL CASE #: 5233107355 Overall Investigation: With history from Apple. Disputed transaction has entry mode 10 credential on file without response code 85 captured during the authorization of the disputed transaction. No signs of phone or device lost for the online account to be compromised.
Disputed merchant transaction recurring flag shows as yes, which means Ch got/received the services/subscription with this merchant and it's Ch responsibility to cancel it. Chime is not liable.
Merchant is normal. Spending pattern observed. Disputed amount is normal. Balance exhausted. As per Galileo, RTA, & Penny no deny/ no response codes was captured with the disputed merchant. No fraud alerts. As per RTA:AVS RESULT Y As per VISA: AVS Result: Y Exact: Address and ZIP match No PII changes, no signs of ATO. Based on the thorough investigations performed, there are enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 62242002. CASE CLOSED.

🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎UT TIMELINE: 2023-02-04 to 2023-02-05