6215083

Dispute ID: 6215083. DND: 2023-02-03 via Chatbot. CH is disputing 1 Debit Unauthorized Transaction from Apple for $43.36. Disputed transaction is Moto 7 Entry Mode 10 Online. Reg E. No merchant credit found relating to the disputes. No claim cancellation. As per comms in ZD Ticket #62068139, card is in possession at the time of transaction & Pin memorized. Disputed card ending 1855 is closed. CASE DECISION: DENY VROL CASE NUMBER: 5232379889 Overall Investigation: Disputed amount is abnormal. however, with history from Apple. Spending pattern observed. Merchant is normal. 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.
Balance exhausted. As per Galileo, RTA, & Penny, no deny code/ no response code was captured with the disputed merchant. As per RTA: AVS RESULT Z As per VISA: AVS Result: Z ZIP matches, address does not. No PII changes. No signs of ATO. Freezing, unfreezing of the disputed card was captured within the UT timeline which suggests that member has full control of the account. Based on the thorough investigations performed, there is enough evidence to deny the claim. Final resolution, no error found. Sent final letter with ZD Ticket Number 62165149. CASE CLOSED.

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