Dispute ID: 5424099. CH disputing 8 Debit Unauthorized Transaction from Apple for $82.42. Dispute Notification Date: 2022-10-31. Reg E. Old account. No merchant credit found related to the disputes. No claim cancellation. As per Penny card is not in possession at time of purchase. PIN memorized. Disputed card ending 9557 and 2677 are closed. Case Decision: Denied. VROL Case #:2274222291,2274222289,2274227010,2274222713,2274222290,2274224605,2274222715,2274224606. Case ongoing. 
Overall Investigation: 
UT TIMELINE: 2022-09-18 to 2022-11-01
TRXN TYPE: Moto 2 Entry Mode 10
With funding event observed from Visa Money Transfer amounting to 	$75.00 on 2022-10-19 19:20:05 before the authorization of the disputed transaction from  APPLE.COM/BILL, 866-712-7753, CAUS on 2022-10-20 21:27:09.
With history from APPLE.COM/BILL, 866-712-7753, CAUS . 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.                                                                                                                  
With presence of CNB Enid Deposit via  KATY ULTRA WHITE, QUICKBOOKS amounting to $1010.89 on 2022-09-19 20:53:29. Member has prior deposits from the same depositor since June 2022.
Balance exhausted after the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-10-29 03:59:21
Galileo deny code 46,54,51,41,55,05 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 9557 and 2677.
Galileo deny code 46,51, was captured with the disputed merchant.
No fraud alerts.
RTA response code 51, 43, 41 was captured with the disputed merchant.
VROL response code 46,51 was captured with the disputed merchant.
RTA response code 85,54,51,41,10,N7 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 2677 and 9557.
RTA: AVS RESULT Y for all disputed transactions.
VISA: AVS Result:	Y	Exact: Address and ZIP match for all disputed transactions.
Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it.
No PII changes captured within UT timeline. No signs of ATO.
There is freezing of the disputed card ending 2677 within the UT timeline.
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #56842825. Case closed.
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