Dispute ID: 5395582-1. CH disputing 3 Debit Unauthorized Transaction from Apple for $30.95. Dispute Notification Date: 2022-10-28. Reg E. Case Decision: Denied. VROL Case #: 2275319432, 2275319433,  2275319434  . 
Overall Investigation: As per Penny, card in possession at time of transaction. PIN memorized. With merchant credit found from Apple amounting to $4.99 that settled on 2022-10-30. No claim cancellation. Disputed card ending 8536 is closed.
With two funding event observed from  Card to Card on 2022-10-23 05:33:16	amounting to $100.00 and on 2022-10-23 05:34:11	$100.00 before the authorization of the disputed transaction from APPLE.COM/BILL, 866-712-7753, CAUS on 2022-10-24 09:27:55.
With presence of Direct Deposit via VA PLUS OPTIMA, PAYROLLJNL amounting to $1204.91 on 2022-10-26 21:59:20. Member has prior deposits from the same depositor.
With history from Apple . 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.          
VROL response code 43 and 46 was captured with the disputed merchant.                                                                                                        
No fraud alert/indication.
No PII changes captured within UT timeline. No signs of ATO.
Galileo deny code 43 was captured with the disputed merchant.
Galileo deny code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8536.
RTA response code 43 was captured related to to the disputed merchant.
RTA response code 51 was captured within the UT timeline but not related with the disputed merchant, however, they are on the disputed card ending 8536.
VISA:
AVS Result:		Address verification not applicable
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	N	No: Neither address nor ZIP matches
AVS Result:	N	No: Neither address nor ZIP matches
rta:
AVS RESULT N
AVS RESULT N
AVS RESULT N
AVS RESULT N
There is enough evidence to deny the claim. Final resolution, no error found.
Sent ZD #56965750, 2275334606, 2275325973.PVC scheduled for reversal on 2022-11-10. Case closed