5228547 missing atm fee

Dispute ID: 5228547. DND 2022-10-04. Reg E. Old account. CH is disputing 4 UT from multiple merchants amounting to $273.18. As per Penny, card in possession at the time of transactions. PIN stated as "memorized and put note as well". No merchant credit found as of this time. No claim cancellation. Card ending 0481 is closed. TRXN Type: Moto Blank Entry Mode 5 Card-present with No CB Rights . UT timeline: 2022-09-27 to 2022-10-02 INVESTIGATION FOUND: