6230160

Dispute ID: 6230160. PTF CLAIM/ DND 2023-02-06 via PHONE. CH is disputing 69 Debit Unauthorized Transaction from Apple for $297.46. The disputed transactions are: Moto 7 Entry Mode 10 Card Not Present. 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 3603 is closed. CASE DECISION: DENY VROL CASE #: 5233075884,5233075885,5233075886,5233075887,5233075888,5233075889,5233075891,5233075892,5233075893,5233075894,5233076329,5233076330,5233076331,5233076332,5233076333,5233076336,5233076337,5233076338,5233076339,5233076342,5233076940,5233076941,5233076942,5233076943,5233076944,5233076946,5233077347,5233077348,5233077349,5233077350,5233077351,5233077352,5233077353,5233077354,5233077355,5233077917,5233082073,5233082072,5233082070,5233082069,5233082068,5233082067,5233082065,5233082064,5233082063,5233081630,5233081628,5233081627,5233081626,5233081624,5233081623,5233081621,5233081619,5233078369,5233078367,5233078366,5233078364,5233078363,5233078362,5233078361,5233077929,5233077928,5233077926,5233077925,5233077924,5233077923,5233077922,5233077921,5233077918. Overall Investigation: Pattern of funding event observed, one of which is on 2022-10-05 14:02:06 before the authorization of the disputed transaction from APPLE.COM/BILL, www.apple.com, CAUS on 2022-10-05 14:23:21. Low ending balance after the authorization of the last disputed transaction. With history from Apple. Disputed merchant is normal to the member. Disputed amount is normal. 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. As per Galileo, RTA, & Penny deny/ response code 51,78 was captured with the disputed merchant. RTA response code 85 was captured with the disputed merchant. As per RTA: AVS RESULT N As per VISA: AVS Result: N No: Neither address nor ZIP matches No fraud alerts. No PII changes, no signs of ATO. Multiple freezing, unfreezing of the disputed card within the UT timeline suggests that CH is in control of the account. Based on the thorough investigation performed, there is enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 62238034. CASE CLOSED.

🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎🍎 UT TIMELINE: 2022-09-30 to 2023-01-31

With funding event observed on 2022-11-19 12:04:27 before the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-11-19 14:29:45. With funding event observed on 2022-12-28 03:10:05 before the authorization of the disputed transaction from APPLE.COM/BILL, www.apple.com, CAUS on 2022-12-28 08:54:52. With funding event observed on 2022-12-29 11:13:15 before the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-12-29 11:18:31.

1.06-35 0.99-4 21.34-3 7.46-19 5.33-6 10.66-1 8.0-1