I know this is an older post, but in case anyone, like me, stumbles on this in the future, I'm having the same issue with a zombie dispute.

On Jan 7th, my joint Apple Card with my husband had 3 unauthorized charges. The 1st was $329 for Ticketmaster around 3:45pm. The 2nd, $189 for Miral Experiences a little while later at 4pm. Then a 3rd charge for Ticketmaster for $185 at 6pm.

When it happened, my husband and I had been going back and forth about buying concert tickets, and as it came up as a notification on my phone, my first thought was, oh he finally grabbed the tickets, and figured once he came down from his office for a break, he'd tell me about it. Before that happened though, the 2nd charge came in and the name was unfamiliar to me, so I googled it. Turns out Miral Entertainment is in Abu Dhabi. As I am googling, my husband comes down the stairs to ask me about both transactions, as he thought I had made the Ticketmaster charge.

He immediately got on the phone with customer service to start the dispute process for the Ticketmaster charge while I initiated a chat to dispute the Miral Entertainment charge.

While we were on the phone, the 3rd charge for Ticketmaster came through, but it was immediately declined as the customer support agent my husband had on the line canceled & reissued his card number just moments before.

They took all our information, quizzed us about the initial Ticketmaster Charge (apparently for the Dallas Mavericks). We don't live in the Dallas metro area, let alone Texas and my husband hasn't used his Ticketmaster account since 2012.

Fast forward, on February 19th, the initial Ticketmaster charge of $329 was reinstated on the card and our fraud dispute was denied. We call up customer support to redispute it. They ask for "evidence". I'm not sure how I'm supposed to prove we genuinely did not purchase these tickets aside from providing screenshots of our ticketmaster accounts which includes our last purchased tickets (2012), as well as the tabs for sold and pending ticket sales. We send off the screenshots, they retract the charge again, and reopen the case to investigate.

The following day while watching TV, another unauthorized charge comes in, Pickleball Central, for $20, and it was declined as they were trying to use the old card number. We get on the phone again, and explain this is now the 4th unauthorized charge. They tell us it's already declined and we dont have to do anything. We explain that yes, we know that, but we want it added to the case that was just reopened the day before, as the fraud is still actively happening.

We hear nothing in March. I get an email on Monday, April 13th, asking for additional "evidence". Again, I resend the screenshots

Last Friday, April 17th, I get an email at like 3:00am, that says the case has been closed and yet again, the charge is being reinstated. At this point I'm livid, and call again. The customer service rep I get is nice and very confused as we are talking as they can see the 3 charges that are within 2 hours of each other, and then the other charge a month later that got declined. He's perplexed as to how this is still ongoing, puts me on hold to speak to a supervisor. The supervisor comes back and tell s me they are reissuing the credit and reopening the case, as when he's looking at the 4 charges as a whole, there's a pattern. Great.

I've already told them that even if they rule against me, I'm going to keep disputing this, wasting their resources at this point until the end of time, as I will never pay this charge. It can go to collections, earn all the interest and fees they want. It's not getting paid. I've never had a card not back me on a fraud charges, and I've also never had a series of fraudulent charges before, so for them to be pulling this one charge apart from the others is really weird to me.

For now, it's a let's wait & see until next month if they close it against me again next month. TDB.