Dispute ID: 4851816. DND:2022-08-09. 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 9665 is closed. Transaction type: Star and Moto blank 7 Entry Mode 10 card-absent with CB rights. ***INVESTIGATION*** As per VCF, card is in possession. PIN is stated as "My phone". Member has previous transaction with the disputed merchant where it has entry mode 10, credential on file and no response code 85 was captured prior the authorization of the disputed transaction. No suspicious declined codes within the disputed timeline. Balance almost exhausted after the authorization of the disputed transaction. 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 #52429291. Unable to file FR for STAR transaction, no STAR access. Filed FR ROL Case #2250356657 and 2250356658. Case closed.