5337896

Dispute ID: 5337896. DND: 2022-10-19. REG E claim. Old account. CH is disputing 1 UT from Apple amounting to $87.14. As per Penny, card in possession at the time of the transactions. PIN memorized. No merchant credit found as of this time. No claim cancellation. Disputed card ending in 2740 is closed. INVESTIGATION FOUND: TRNX TYPE: Moto 2 Entry Mode 10 Card-Absent with CB rights UT TIMELINE: 2022-10-12 to 2022-10-17 Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction. With two funding event observed from Card to Card on 2022-10-13 09:21:41 amounting to $15.00 and 2022-10-13 09:22:07 amounting to $200.00 before the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-10-14 09:36:08. Deny code 43 and 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 2740. No fraud alerts. RTA: AVS RESULT N VISA: AVS Result: N No: Neither address nor ZIP matches Disputed merchant recurring flag shows as YES which means cardholder got the subscription with merchant and it is cardholder's responsibility to cancel it. RTA response code 43 and 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 2740. No RTA response code with the disputed merchant. PII change of address was captured within the UT timeline. No third party access to the disputed card. There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #56125764. VROL Case #2268028524. Case closed.