Dispute ID: 4833789. DND:2022-08-07. Intake type: Mobile. Reg E. CH is disputing 3 UT from multiple merchants amounting to $286.00. No merchant credit. No claim cancellation. Card ending with 5366 is closed. Transaction type: Star and Moto blank 7 Entry Mode 01 Card-Absent with CB rights. INVESTIGATION As per VCF, card is in possession. PIN memorized. No manual anticipatory funding event seen prior to UT. However, payroll direct deposit within the day of UT would help fund subsequent activity. Low ending balance after the authorization of the last disputed transaction. With previous transactions from the same merchant. No PII changes. No ATO hallmarks. No fraud alerts. No third party access. There is enough evidence to deny the claim. Final resolution, no error found. Sent final letter ZD #52432366, 52432432. Sent manual letter for DND correction ZD ‭#52432473‬. Filed ROL Case #2250420458, 2250433553. Case closed.