Hello John, Thank you for contacting us. Based on the details provided, we can start a dispute investigation for the Apple Store transaction. Here’s what will happen next: 1) We will place the transaction under review and attempt to validate authorization signals (device, location, merchant verification). 2) If we detect indicators consistent with unauthorized activity, we will proceed with fraud remediation steps and may temporarily block the card to prevent further misuse. 3) If the transaction is determined to be authorized, we will share the supporting evidence and close the dispute. To help us proceed, please reply with: - Whether you still have your card in your possession - Whether anyone else has access to your card/account - Any recent travel or unusual account activity We appreciate your prompt response so we can resolve this quickly. Sincerely, Accenture Bank Disputes Team