Zappy charge back approved
Sharing in case it helps someone. Capital One after 3 months closed the case in my favor. All I did was share the info shared here early on, it was back in November. They didn't ask for any additional info so I assume the vendor didn't fight it. I wasn't sure how it would go, so it's a relief to see it finalized.
Edited to add: I also had communication from zappy apologizing and vaguely promising to refund (very early days so not sure if they continued to say they would after)and then had emails that were never answered which I provided. Figured I'd add this if that helps.