Unable to Stop Autoapplication of Credit Memo when Invoice is fully paid

Summary:

We want to create a referenced Credit Memo to the Original Fully paid Invoice from FBDI without unapply the receipt based on Receipt Handling for Credit Option setup at Transaction Source. We want to keep the Credit Memo created as On Account Credit Memo at the same time.

Content (please ensure you mask any confidential information):

Business wants a credit memo created as on-account when created against a referenced invoice, without the receipt getting unapplied and Credit memo being applied to invoice.

Invoices get paid, but Credit memos get created on invoices for various reasons. A new Credit memo coming in will be used at a later time to pay off the same customer, they do not intend to unapply existing receipt.