5431212

Dispute ID: 5431212. Reg E claim. CH disputing 1 Debit Unauthorized Transaction from Apple for $55.99. No merchant credit found related to the disputes. No claim cancellation. As per Penny card is in possession at time of purchase. PIN stated as "Password manager". Disputed card ending 7522 is closed. Case Decision: CB Won - Acquirer Accepted Liability. VROL Case #:2274202256. Case closed. Overall Investigation: Member has transaction history with the disputed merchant, hence this is normal to the CH. No fraud alerts. With presence of Direct Deposit via IVC, IVCNETPAY on 2022-10-27 02:29:01 amounting to $631.11. Member has prior deposits with the same depositor since July 2022. However, no manual funding event prior to the authorization of the disputed transaction and member's balance is high ending after the authorization of the disputed transaction. Galileo deny code 43 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7522. Galileo deny 05,51 was captured with the disputed merchant. RTA response code 85, N7, 51 was captured with the disputed merchant. RTA response code 43,85 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7522. Penny response code 43 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 7522. Penny response code N7,51 was captured with the disputed merchant. RTA: AVS RESULT A VISA: AVS Result: A Address matches, but ZIP code does not match No PII changes captured within UT timeline. No signs of ATO. There is no freezing, unfreezing of the disputed card within the UT timeline. MCO not initiated. Merchant is on the DNC list. Therefore, error found. CB Won - Acquirer Accepted Liability. Sent ZD #56841658 for PVC issued. Sent final letter ZD Ticket Number 58051196. Case closed.

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