5211788/5211788-1

Dispute ID: 5211788/5211788-1. REG E claim. CH is disputing 2 UT from Apple amounting to Apple. As per Penny, card status not specified. PIN stated as "I dont". No merchant credit found as of this time. No claim cancellation. Card ending in 9201 is closed. Trxn Type: Moto 7 Entry Mode 10 Card-Absent with CB rights. UT timeline: 2022-09-30/2022-10-06 INVESTIGATION FOUND: There is freezing, unfreezing of the disputed card within UT timeline. No PII changes. No signs of ATO. No fraud alerts. However,there is: No funding event observed on before the authorization of the disputed transaction from Apple.com/Bill on 2022-10-02 14:09:28. Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file with response code 85 captured prior to the authorization of the disputed transaction. AVS RESULT Y RTA response code with card ending 9201 but not related with the disputed merchant: 43,85,59 RTA response code not related with the disputed card: 85, As per Galileo, deny code 43,59 was captured within UT timeline but not related with the disputed merchant. No merchant call out made. Merchant is on the approved DNC List. High ending balance after the authorization of the last disputed transaction. Therefore, error found. Proceed to chargeback. Sent ZD #55283422. VROL Case #5219060404. Case ongoing.