Dispute ID: 5964010. CH disputing 4 Online Debit Unauthorized Transactions from Apple for $43.96. Reg E. No merchant credit found related to the disputes. No claim cancellation. As per Penny card in possession at the time of purchase. PIN memorized. Disputed card ending 2637 is closed. 
Case Decision: DENY
VROL Case #:2306453030, 2306453027,2306446347,2306446345 
Overall Investigation:
With history from APPLE.COM/BILL. 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 is normal to the CH has it has previous transactions with themerchant. Spending 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.                                                                                                          
With funding event observed on 2022-12-24 05:36:37 prior to the first disputed auth happened on the account. Funding activity was also observed within UT.
Balance exhausted after the authorization of the last disputed transaction.
Galileo, RTA, and Penny deny/ response code 51 was captured within the UT timeline on the disputed card.
No fraud alerts.
As per RTA: AVS RESULT N
As per VISA: AVS Result:	N	No: Neither address nor ZIP matches
No PII changes captured within UT timeline. No signs of ATO.
There is enough evidence to deny the claim. Final resolution, no error found.
Final letter sent ZD Ticket Number 60424105. CASE CLOSED.
                                                                                                                       
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UT TIMELINE: 2022-12-22 to 2023-01-05
TRXN TYPE:
Moto 2 Entry Mode 10
Moto 7 Entry Mode 10
51-28