Dispute ID: 4748720. DND: ****. Intake type: ****.  Reg E. Old account. CH is disputing 11 UT from 	multiple merchants amounting to $459.49. With merchant credit from 1 merchant. No claim cancellation. Card ending with 6767 is ***. Transaction type is Moto/ ECI 7 Entry Mode 01 card absent. **INVESTIGATION* As per Penny, card is in possession and PIN is stated as "on his phone".  Funding event prior to the authorization of the disputed transaction from Visa Money Transfer - Falgout Tim - Other Debit on 2022-07-22 17:50:56 amounting to $1475.00. Deny code 55 is observed within the UT timeline. Continuous funding event is observed within the UT timeline. Low ending balance after the authorization of the last disputed transaction. No ATO hallmarks. No third party access.  Therefore, there is enough evidence to deny the claim. Final resolution, NO ERROR FOUND. Filed FR VROL Case ***. Sent final letter ZD #***. CASE CLOSED.