Dispute ID: 4822380. DND: 2022-08-05. Intake type: Phone. Reg E. Old account. CH is disputing 2 UT from multiple merchants amounting to $38.63. No merchant credit. No claim cancellation. Card ending with 4721 is already replaced. Transaction type there are Moto 7 Entry Mode 01 card-absent with CB rights. INVESTIGATION As per Penny, card is in possession. PIN memorized. Funding event prior the authorization of the disputed transaction. No suspicious declined codes within the disputed timeline. No PII changes. No ATO hallmarks. No fraud alerts. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD #52280468. Filed FR ROL Case #2249050728. Case closed