Dispute ID: 5285349. DND: 2022-10-12. REG E claim. CH is disputing 4 UT from Apple amounting to $93.96. As per Penny, card in possession at the time of transactions. PIN stated as "Password manager". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 8389 is closed.
INVESTIGATION FOUND: 
Moto 7 Entry Mode 10 Card-absent with CB rights
Moto 2 Entry Mode 10 Card-Absent with CB rights.
UT timeline: 2022-09-26 to 2022-10-02
✔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 fraud alerts.
✔No PII changes within UT timeline. No signs of ATO.
However;
✔No funding event before the authorization of the disputed transaction.
✔No previous transactions with the disputed merchant.
✔In Galileo, deny code 59 was captured with the disputed merchant.
✔No freezing, unfreezing of the disputed card within UT timeline.
✔In RTA, response code 59 was captured within UT timeline with the disputed merchant.
✔In RTA, response code 85 was captured within UT timeline but not related with the disputed merchant, however they are on the same disputed card ending 8389.
✔RTA: AVS RESULT N
✔RTA: AVS RESULT N
✔RTA: AVS RESULT N
✔RTA: AVS RESULT N
✔VISA: AVS Result:	N	No: Neither address nor ZIP matches
✔VISA: AVS Result:	N	No: Neither address nor ZIP matches
✔VISA: AVS Result:	N	No: Neither address nor ZIP matches
✔VISA: AVS Result:	N	No: Neither address nor ZIP matches
✔MCO not initiated. Merchant is on the DNC list.
Therefore, error found. Proceed to chargeback.
Sent ZD #55756178. VROL Case #5223489786 .
Case ongoing.